HDFC PIXEL Go Credit Card 2026: Lifetime Free (Online Only) with 1% Unlimited Cashback + 5% on SmartBuy
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Apply for the HDFC PIXEL Go Credit Card — 100% Lifetime Free when applied online, with 1% unlimited cashback on all eligible spends, 5% on SmartBuy travel bookings, and 1% on UPI (RuPay variant). Apply online now!
Key Highlights at a Glance
| Feature | Details |
|---|---|
| Joining & Annual Fee | ₹0 — Lifetime Free when applied online (standard fee ₹250+GST otherwise; confirm offer validity at application) |
| Issuer | HDFC Bank (managed via PayZapp app) |
| Networks | Visa/Mastercard, RuPay (UPI benefits on RuPay only) |
| Base Cashback | 1% unlimited on all eligible spends |
| SmartBuy Cashback | 5% (capped at 500 points/month) |
| UPI Cashback | 1% — RuPay variant only (capped at 500 points/month) |
| Redemption Value | 1 CashPoint = ₹1 (to PayZapp Cashpoints) |
| Fuel Surcharge Waiver | 1% (min ₹400, max ₹5,000 txn; capped ₹250/cycle) |
| FD-Backed Option | Available for new-to-credit applicants (min. ₹15,000 FD) |
HDFC PIXEL Go: 100% Lifetime Free (Apply Online) + 1% Unlimited Cashback
🎁 Perks: 1% Unlimited Cashback on All Spends • 5% on SmartBuy (capped) • 1% on UPI (RuPay) • Fuel Surcharge Waiver • Zero Fee on Online Application
Apply Now →💳 PIXEL Go: Rewards & Benefits Fact Sheet
🎯 Cashback Rates
| Spend Type | Cashback | Approx. Value | Monthly Cap |
|---|---|---|---|
| 🛍️ All eligible spends | 1% unlimited | ₹1 per ₹100 | No cap |
| ✈️ SmartBuy (Flights, Hotels, Bus, Rail, IGP, Vouchers) | 5% | ₹5 per ₹100 | 500 points (₹500) |
| 📲 UPI spends (PIXEL RuPay only) | 1% | ₹1 per ₹100 | 500 points (₹500) |
CashPoints convert at 1 Point = ₹1, redeemed to your PayZapp Cashpoints wallet.
🧮 Real Examples
- 🛒 ₹10,000 monthly retail spend → 100 CashPoints → ₹100 cashback
- ✈️ ₹5,000 flight booking via SmartBuy → 250 CashPoints → ₹250 cashback
- 📲 ₹8,000/month via UPI (RuPay card) → 500 CashPoints (capped) → ₹500 cashback
🚫 No Rewards On
Fuel • Wallet/Gift Card loads • Rent • Government payments • EMI transactions (including post-facto EMI conversions) • Cash advances • Outstanding balance/card fee payments
⚠️ Fine Print
- 💯 Minimum ₹100 transaction to earn CashPoints
- 🔢 Points round down (₹140 spend = 1.4 → 1 point)
- 🔓 Minimum 500 CashPoints needed to redeem
- ⏳ Unredeemed points expire after 2 years
- ❌ SmartBuy cashback can’t be combined with other 1% merchant offers
⛽ Other Waivers
1% fuel surcharge waived (min ₹400, max ₹5,000 transaction; capped at ₹250/statement cycle)
Eligibility Criteria (verify at application)
- Age: 21 to 65 years
- Minimum Gross Monthly Income: ₹8,000 (per HDFC’s own learning portal; some listings show higher — confirm current criteria)
- FD-Backed Option: No income/credit history needed, min. ₹15,000 FD, up to 90% as credit limit
Required Documents
- ID Proof: PAN Card / Form 60
- Income Proof: Bank statements or salary slips (not required for FD-backed variant)
- Photograph: Recent passport-sized photo
How to Apply Online
- click the apply link
- Choose unsecured PIXEL Go or the FD-backed option
- Enter basic KYC details and complete verification
- Once approved, activate your card with a transaction of ₹100+
- Spends auto-earn CashPoints; redeem once you cross 500 points
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