Card Details
Pixel Go Credit Card
Monzy Score
8/ 10
Very good for lounge-hungry travellers.
Strong ~5% back in its core category; high 3.5% forex markup.
Card Issuer
HDFC Bank
Joining Fee
₹250
Annual Fee
₹250
Reward Type
Reward Points
Card Access
Standard
Changes to this card
Earn Points
5%
CashPoints on SmartBuy spends (flights, hotels, bus/rail, vouchers, IGP, Apple Imagine, Tresor)
1%
CashPoints on UPI payments with the RuPay variant (₹500 monthly cap)
1%
CashPoints on other eligible purchases (ex. fuel, wallet reloads, rent, govt. dues, EMIs, cash advances, fees)
1%
Fuel surcharge waiver (₹400–₹5,000 txn band)
Benefits
5% SmartBuy cashback
- Accelerated rewards on SmartBuy
- 5% cashback on SmartBuy transactions
- Capped at 500 Pixel CashPoints (₹500) per month
- Cashback not awarded on fuel, wallet reloads, rent, government payments, EMI transactions, cash advances or card fees
₹250 fee with achievable waivers
- Low annual fee with spend waivers
- ₹250 joining and renewal fee
- Joining fee waiver on ₹10,000 spends in 90 days
- Renewal fee waiver on ₹50,000 annual spends
1% fuel surcharge waiver
Up to 10% savings via Swiggy Dineout
Reward Calculator
NOTE: Enter your monthly spends to see
projected returns.
Excluded: fuel, rent, emi, wallet, government
Estimated Returns
SmartBuy spends
cap 500
₹500
UPI spends (RuPay)
cap 500
₹200
All other retail spends
unlimited 1%
₹0
Total Annual Return
₹8,400
2.33% Effective ROIWhat Users Are Saying
Community Feed
Mar 2026
“Why no one mentions Pixel Play card in LTF Beginner”
by r/CreditCardsIndia, Mar 2026
“HDFC PIXEL PLAY CREDIT CARD QUERY”
by r/CreditCardsIndia, Jul 2025
“Pixel card is the worst of them all and hdfc is using tactics”
by r/CreditCardsIndia, Jul 2025
“My HDFC Journey After Pixel Card”
by r/CreditCardsIndia, Jan 2026
“HDFC Pixel Card Lifetime Free with Conditions.”
by r/CreditCardsIndia, Jul 2025
Frequently Asked Questions
You pay ₹500 plus GST once as a joining fee, and there is no renewal fee after that. So the card costs you nothing to keep from year two onward, and the only real question is whether the rewards are still worth the swipe. Watch the caps and the excluded categories instead of the fee.
Things to Keep in Mind
SmartBuy cashback capped at 500 Pixel CashPoints (₹500) per month.
UPI cashback available only on the RuPay variant and capped at 500 Pixel CashPoints per month.
Cashback not earned on fuel, wallet reloads, rent, government payments, EMI transactions, cash advances or card fees.
Pixel CashPoints require a minimum of 500 points to redeem and expire in 2 years.
Rewards are given as CashPoints which you can redeem on PayzApp portal (f 1 CashPoint = ₹1 PayZapp Cash points)
This is a virtual card (no physical card delivered).
