All cards / HDFC Bank
HDFC Pixel Go
HDFC Pixel Go is a straightforward, low-income-bar digital cashback card offering an uncapped 1% on every spend, with extra value available through SmartBuy bookings and dining discounts. Its accessible eligibility and available FD-backed variant make it a practical first card for applicants who lack traditional income proof, though the reward structure itself stays modest outside SmartBuy.
Annual fee
₹250
Joining fee
₹250
Reward type
cashback
Base reward rate
1%
Card network
RuPay
Card tier
Entry
Who this card fits
Best suited to applicants who clear the standard eligibility bar whose spend is concentrated in online shopping, utilities. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Movie & dining: 10% off restaurant bills and Swiggy Dineout orders, capped at ₹200
- Rewards rate: 1% base rate
Benefits by category
- 🍽️ Dining & food delivery
Up to 5% cashback on bookings made through HDFC SmartBuy, plus 10% off (capped at ₹200) on restaurant bills and Swiggy Dineout orders
- ⛽ Fuel
1% fuel surcharge waiver on fuel transactions between ₹400 and ₹5,000
Eligibility
- Minimum monthly income: ₹12,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹50,000
- Rewards redemption fee: Cashback is auto-credited as statement credit at no charge
- Fuel surcharge waiver: 1% fuel surcharge waived on transactions between ₹400 and ₹5,000, capped at ₹250 per statement cycle
- Cash advance charges: 2.5% of the withdrawn amount or ₹500, whichever is higher; interest accrues from the date of withdrawal with no interest-free period
Benefits
- Joining fee waived on spending ₹10,000 within 90 days of card issuance
- Up to 5% cashback on bookings made through HDFC SmartBuy, plus 10% off (capped at ₹200) on restaurant bills and Swiggy Dineout orders
- 1% fuel surcharge waiver on fuel transactions between ₹400 and ₹5,000
Pros
- + Uncapped 1% cashback on all spends, with no category restrictions to track
- + Up to 5% cashback available on HDFC SmartBuy bookings for those who use the portal
- + 10% off restaurant bills and Swiggy Dineout orders adds everyday dining value
- + Very low income bar and an easy fee waiver on ₹50,000 of annual spend
- + FD-backed variant available for applicants without formal income proof or credit history
Cons
- − Base reward rate is unremarkable for spend outside SmartBuy and dining
- − No lounge access, travel insurance or other premium benefits
- − Empty reward-category list means there are no accelerated multipliers on everyday categories like groceries or fuel
Related guides