HDFC Bank
Classic · Pixel Go
HDFC Bank Pixel Go Credit Card
HDFC Bank
Simple unlimited 1% cashback for beginners
Annual Fee
₹250
Joining Fee
₹250
Reward Rate
1.0%
Forex Markup
3.5%
Value Analysis
Annual Net Value
₹2,705
Total Annual Benefits
₹3,000
Total Annual Charges
₹295
ROI
917%
Fee Waiver Available
Annual fee waived on spending ₹25,000 in the preceding year — ₹25,000 annual spend
Card Analytics
Visual breakdown of value, benefits, and limits
Value Breakdown
Benefits Distribution
Benefit breakdown data not available
Transaction Limits
Card Scorecard
Charges Breakdown
Benefits & Perks
Cashback Benefits (2)
Unlimited 1% Cashback
Unlimited 1% cashback on all retail purchases — no categories, no caps
1% unlimited
Auto Statement Credit
Cashback automatically credited to statement every month
Auto credit
Reward Program
Program
HDFC Pixel Go Cashback
1% on all spends, unlimited
Effective cashback: 1.00%
Points expire: Cashback credited as statement credit monthly
Redemption Options
- → Statement credit (automatic)
Fees & Charges
| Charge | Amount |
|---|---|
| Joining Fee | ₹250 Excluding GST |
| Annual Fee | ₹250 Excluding GST |
| Add-on Card Fee | Free Free |
Transaction Charges
- Forex Markup
- 3.5%
- Interest Rate (Monthly)
- 3.75%
- Late Payment Fee
- ₹1,300
- Cash Advance Fee
- 2.5%
ATM Charges
- Own Bank Withdrawal
- ₹250
- Other Bank Withdrawal
- ₹250
- Intl. Withdrawal Fee
- 2.5% + ₹250
Eligibility
Requirements
- Min. Monthly Income
- ₹15,000
- Min. Annual Income
- ₹1,80,000
- Min. Credit Score
- 600
- Age Range
- 21 – 65 years
- Employment
- Salaried, Self-Employed
Notes
- • Salaried: Gross Monthly Income > ₹15,000
- • Self-Employed: ITR > ₹1.8 Lakh p.a.
- • First-time credit card users welcome
Transaction Limits
ATM Withdrawal / Day
₹20,000
POS & E-Commerce / Day
₹1,00,000
Contactless / Txn
₹5,000
Features
Unlimited cashback — no caps Contactless payments EMV chip security Add-on cards available EMI conversion facility Simple flat-rate cashback HDFC Pixel app integration Ideal for first-time cardholders
EMI Options
Min. Transaction
₹2,500
Interest / Month
1.5%
Tenure Options
3, 6, 9, 12 months
Processing Fee
1%
Ready to Apply?
The HDFC Pixel Go Credit Card is an entry-level credit card offering unlimited 1% cashback on all retail spends. With a minimal annual fee of just ₹25...
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