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HDFC Bank
HDFC Pixel Go
RuPay
HDFC Pixel Go
HDFC's low-income-bar digital cashback card, offering an uncapped 1% on all spends plus SmartBuy and dining boosts — a straightforward, low-fee first credit card with an FD-backed variant for thin-file applicants.
Rates and fees last verified 14 September 2026.
Annual fee
₹250
Joining fee
₹250
Reward type
cashback
Base reward rate
1%
Card network
RuPay
Card tier
Entry
Eligibility
- Minimum monthly income: ₹12,000
- Employment: salaried, self-employed
- Age: 21–60
Benefits
- ₹500 instant credit for spending ₹10,000 within the first 90 days of issuance
- Up to 5% cashback via HDFC SmartBuy, plus 10% off (up to ₹200) on restaurant bills and Swiggy Dineout
- 1% fuel surcharge waiver on transactions between ₹400–₹5,000
Pros
- + Uncapped 1% cashback on all spends
- + Very low income bar and easy fee waiver
- + FD-backed option available for those without income proof
Cons
- − Base reward rate is unremarkable outside SmartBuy
- − No lounge access or premium travel benefits
Applying takes you to HDFC Bank's site. We may earn a commission if you're approved — see our disclaimer. Final terms and approval are solely at the issuer's discretion.