HDFC Pixel Go credit card

HDFC Pixel Go

HDFC Bank · Visa

HDFC Pixel Go is a lifetime-free entry-level card with cashback on online spends, designed for first-time credit card users.

Annual Fee

Free

Joining Fee

Free

Base Reward Rate

2X

₹1/pt

Min CIBIL

680

₹3L+ income

Key Features

Lifetime free — zero annual fee, zero joining fee, ever
5% cashback on Zomato, Swiggy, Myntra, BookMyShow & Cult.fit
2% cashback on all UPI transactions
1% cashback on all other spends
Digital-first card — instant virtual card issued immediately
Supports UPI credit card payments on RuPay network
No minimum spend required for cashback
Cashback auto-credited to statement every month

Welcome Benefits

✓

Zero Fee Forever

No joining fee and no annual fee — ever. Start earning cashback from day one at no cost

✓

Instant Virtual Card

Get an instant virtual card number on approval, usable for online shopping before the physical card arrives

Reward Rates by Category

Dining

3X

Travel

2X

Online

4X

Shopping

2X

Grocery

2X

Fuel

1X

Utilities

1X

Other

2X

Partner Earn Rates

PartnerCategoryEarn Rate
ZomatoFood Delivery5X
SwiggyFood Delivery5X
MyntraFashion5X
BookMyShowEntertainment5X
Cult.fitFitness5X

Airport Lounge Access

Domestic

0 visits/year

International

0 visits/year

Insurance & Protection

Zero Liability on Lost Card

Report card loss immediately — zero liability on all fraudulent transactions post-reporting

100% of unauthorised charges

Pros

  • Lifetime free — zero annual fee
  • Cashback on online spends
  • No minimum spend required
  • HDFC app management
  • Quick digital approval

Cons

  • No lounge access
  • Low cashback rate
  • No travel or dining perks

Frequently Asked Questions

Is HDFC Pixel Go really free forever?+
Yes — zero joining fee and zero annual fee, forever. No spend conditions, no waiver thresholds. Completely lifetime free.
Which partners give 5% cashback?+
Zomato, Swiggy, Myntra, BookMyShow and Cult.fit give 5% cashback. There is a monthly cap across all 5% category partners combined.
Does it support UPI payments?+
Yes — HDFC Pixel Go (RuPay variant) supports UPI credit card payments, letting you pay via any UPI app and earn 2% cashback on those transactions.
Is cashback auto-credited or manual?+
Cashback is automatically credited to your statement each month — no redemption process needed.
What do I earn on regular online shopping?+
1% cashback on all spends not covered by the 5% or 2% categories. It all adds up — there's no category where you earn zero.

Ready to apply?

Apply on the HDFC Bank website. Usually takes 10 minutes.

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HDFC Pixel Go

Free · 2X rewards