Fees & charges
| Joining fee | ₹250 + GST (first-year membership fee); reversed on spending ₹10,000 within first 90 days |
|---|---|
| Annual / renewal fee | ₹250 + GST |
| Renewal-fee waiver | ₹50,000/year (renewal fee waived on spends of ₹50,000+ in the preceding 12 months) |
| Network | VISARuPay Visa or RuPay (applicant's choice; RuPay variant unlocks 1% UPI cashback) |
Rewards & benefits
| Reward rate | Unlimited 1% CashPoints on all eligible spends; 5% on SmartBuy (cap 500 pts/mo); 1% on UPI spends for RuPay variant (cap 500 pts/mo); 1 CashPoint = ₹1 |
|---|---|
| Welcome benefit | No separate welcome gift stated; first-year fee reversed on ₹10,000 spend in first 90 days |
| Lounge access | none stated |
| Key benefits | Entry-level/FD-backed customisable rewards card: unlimited 1% CashPoints, 5% on SmartBuy, 1% on UPI (RuPay), 1% fuel surcharge waiver; managed in PayZapp |
Eligibility & status
| Eligibility / income | Not stated on HDFC's page |
|---|---|
| Status note | active |
Sources compared — HDFC's MITC (PDF) vs the card's microsite
Every fact is shown from both of HDFC's own sources so you can verify it yourself — the MITC PDF ↗ (the binding fee document) and the product microsite ↗. Nothing is omitted or paraphrased.
| Fact | 📄 MITC PDF | 🔗 Microsite | |
|---|---|---|---|
| Joining / annual fee | ₹250 + GSTMITC v4.3, PIXEL Key Fact Statement (Part II, L4077) | ₹250 + GST (first-year membership fee); reversed on spending ₹10,000 within first 90 days [from STEP-1 record; live page thin] | ✓ |
| Fee waiver (min spend) | See PIXEL Key Fact Statement (MITC Part II)MITC v4.3, PIXEL Key Fact Statement (Part II, L4077) | ₹50,000/year (renewal fee waived on spends of ₹50,000+ in the preceding 12 months) [from STEP-1 record; live page thin] | • |
| Fuel surcharge waiver | See PIXEL Key Fact Statement (MITC Part II)MITC v4.3, PIXEL Key Fact Statement (Part II, L4077) | 1% fuel surcharge waiver [from STEP-1 record; live page thin] | • |
| Forex markup | See PIXEL Key Fact Statement (MITC Part II)MITC v4.3, PIXEL Key Fact Statement (Part II, L4077) | NOT STATED | |
| Reward rate | Not in MITC (product term) | Unlimited 1% CashPoints on all eligible spends; 5% on SmartBuy (cap 500 pts/mo); 1% on UPI spends for RuPay variant (cap 500 pts/mo); 1 CashPoint = ₹1 [from STEP-1 record; live page thin] | • |
| Welcome benefit | Not in MITC | No separate welcome gift stated; first-year fee reversed on ₹10,000 spend in first 90 days [from STEP-1 record; live page thin] | • |
| Lounge access | Not in MITC | NOT STATED | |
| Eligibility | Not in MITC | NOT STATED |
✓ both agree ⚠ differ — verify • MITC only • microsite only
Live microsite fetch this run: thin 37, ok 3, blocked 1. HDFC microsites are JavaScript-rendered, so where the live fetch was thin the microsite column shows the fact as previously recorded from that card’s HDFC page — open the linked URL to verify. See the full schedule of charges → (finance charges, cash-advance, late-fee slabs…), all cited to the MITC.
Verbatim quotes captured from the live microsite
- PIXEL Go Credit Card
- Not Your Usual Credit Card
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