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HDFC Bank Pixel Go Credit Card
HDFC • Visa

HDFC Bank Pixel Go Credit Card

HDFC Bank Pixel Go Credit Card is a digital card that offers cashback benefits worth up to 5% on card spends at a low annual fee of just Rs. 250.

Reviewed by CardWise Editorial Team
Last Verified: 2/12/2026
Editorial Independence: Our recommendations are driven by mathematical value, not issuer payouts. We may earn a commission if you apply through our links, but this does not affect our scoring or the cards we feature.
Annual FeeFreeLifetime Free
Base Reward0.5%On all spends
Lounge AccessNoNo lounge access listed
Est. Annual Savings₹2,400Based on ₹4.8L annual spend

No Complimentary Lounge Access

This card currently does not show complimentary airport lounge access in our issuer-aligned dataset.

Fee waiver & value estimator

Adjust your spend to see fee waiver eligibility and capped rewards.

Lifetime free
₹30,000 / mo
₹3,60,000 / year
Estimated rewards₹1,800

Assumes base reward rate only.

Annual feeWaived

Lifetime Free

Net value₹1,800

Estimated savings per year.

Reward Rate Breakdown

Category-wise reward rates for this card

Basedefault
0.5%

Key Takeaways

Verified card-level notes, best use-cases, and watchouts.

Pros & Insights

  • PIXEL Go is a digital-first cashback card managed inside PayZapp, with core value from simple baseline cashback plus SmartBuy acceleration.
  • The card includes separate economics for RuPay-linked UPI usage versus regular card rails, useful for users who do heavy UPI merchant spend.
  • Low fee with spend-based waiver keeps break-even approachable, but real value depends on whether SmartBuy and partner routes are actively used.

Best Utilization

  • Use as a daily digital card for baseline cashback, and route planned travel/portal purchases through SmartBuy for higher returns.
  • If you get the RuPay companion path, use it selectively for eligible UPI spends where it still earns.
  • Track yearly spend against renewal-waiver threshold and keep this as a lightweight cashback utility card if spend is moderate.

Watchouts

  • Statement-level exclusions and partner-channel conditions can materially change effective cashback.
  • Cashback posts as PIXEL CashPoints and redemption mechanics are app-driven, not instant statement reduction per transaction.
  • Over-relying on headline percentages without checking eligible rails (SmartBuy/UPI/general spends) leads to return leakage.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

Expand

Offer Truth

  • Joining fee₹0
  • Annual fee₹0
  • Waiver thresholdNot listed
  • Cap typenone
  • Cap resetnone
  • Last verified2026-02-12

Redemption Truth

  • Cash value/point₹1
  • Travel value/pointNot listed
  • Transfer partners0
  • Min redemptionNot listed
  • Expiry policyNot listed
  • Last verified2026-02-12

Lounge Truth

  • NetworkVisa
  • Domestic count0
  • International count0
  • Quarterly limitNot listed
  • Airport-terminal rows0
  • Policy check2026-02-10

Reliability + Outcomes

  • Verification statusverified
  • Freshness days1
  • Source conflicts0
  • Applied reports16
  • Approval reports9

Upgrade Path

These are objective same-bank step-up options from the current rewards and lounge model.

No clear same-bank upgrade path is currently detected for this card.

Lounge match needs verification

Lounge access data for this card could not be confidently matched. Please verify lounge eligibility directly with the issuer before relying on access.

Lounge Eligibility Checklist

Derived from card policy signals

Lounge Spend Tracker

Eligibility target met: No

Track lounge eligibility for HDFC Bank Pixel Go Credit Card using your current period spend.

₹0 spentAdd threshold to start tracking

No spend threshold was detected from current lounge policy text. You can still track manually.

Spend threshold

No spend-based lounge policy is listed in current card data.

Quarter / cycle rule

No quarter or billing-cycle lounge rule is explicitly listed.

Guest access

Guest access policy is not explicitly listed in current data.

Priority Pass

Priority Pass benefit is not listed for this card.

Lounge Locations

No airport-wise rows currently available

Airport-level lounge rows are not currently available for this card. We still show policy checklist details above.

Redemption Optimizer Unavailable

Redemption optimization is unavailable for this card right now; this card is better evaluated via direct cashback and feature value.

Decision Data Enrichment

Reused from validated provider snapshots with freshness gates and quality filters.

Enriched decision data not available

This card does not have publishable enrichment records in the current high-confidence snapshot.

Key Benefits

  • Pre Approved Personal Loans
  • Personal Loan Interest Rates
  • Instant Personal Loan
  • Personal Loan Low CIBIL Score

Things to Consider

  • Reward caps and exclusions apply
  • Issuer terms may change

About HDFC Bank Pixel Go Credit Card

HDFC Bank Pixel Go Credit Card is a cashback card from HDFC, best for travel & lounge access. It is tagged under lifetime free categories in our database.

Lifetime Free

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Frequently asked questions

Is HDFC Bank Pixel Go Credit Card lifetime free?

HDFC Bank Pixel Go Credit Card is lifetime free with no annual fee.

What rewards does HDFC Bank Pixel Go Credit Card offer?

HDFC Bank Pixel Go Credit Card is a digital card that offers cashback benefits worth up to 5% on card spends at a low annual fee of just Rs. 250.

Does HDFC Bank Pixel Go Credit Card include lounge access?

No complimentary lounge access is currently listed for this card.

Who should consider HDFC Bank Pixel Go Credit Card?

Travel & lounge access

Where can I apply for HDFC Bank Pixel Go Credit Card?

Check the issuer website for application availability.

Sources & Verification

  • Official Issuer Page:Direct Link
  • Last Verified: 2026-02-12
  • Data Method: Automated scraper + Manual audit

Key Terms

APR (Annual Percentage Rate)

The interest rate charged on unpaid dues if you don't pay your full bill by the due date.

Forex Markup

An additional fee charged for transactions made in foreign currency.

Lounge Access

Complimentary entry to airport lounges, often subject to spend milestones.

Milestone Benefits

Bonus rewards unlocked when you cross specific spending thresholds within a period.