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HDFC Bank Pixel Go Credit Card VS HDFC Bank UPI RuPay Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 3 July 2026

Both are HDFC's digital-first entry cards with similar low fees. HDFC Bank Pixel Go charges ₹250 + GST and earns unlimited 1% cashback, 5% on SmartBuy, managed through PayZapp. HDFC Bank UPI RuPay charges a lower ₹99 + GST and is HDFC's dedicated UPI-linkable card, earning up to 3% on groceries, dining, and PayZapp specifically. If most of your spending happens via UPI apps day-to-day, the UPI RuPay card's lower fee and category-specific 3% rate is the better fit; Pixel Go's flat unlimited 1% (5% on SmartBuy) suits broader, non-UPI-specific spending.

HDFC Bank Pixel Go Credit Card
HDFC Bank Pixel Go Credit Card
HDFC Bank UPI RuPay Credit Card
HDFC Bank UPI RuPay Credit Card

Fees & Charges

Joining Fee₹250 + GST
Joining Fee₹99 + GST
Renewal Fee₹250 + GST
Renewal Fee₹99 + GST
Spend Based WaiverJoining fee waiver by spending ₹10,000 in 90 days. Renewal fee waiver by spending ₹50,000 annually.
Spend Based WaiverRenewal fee waived on spending ₹25,000+ in an annual year before renewal date.
Foreign Transaction Fees3.5%
Foreign Transaction Fees3.5% of the transaction amount.
Interest Rate (APR)3.60% Monthly, 43.20% Yearly
Interest Rate (APR)3.6% per month or 43.2% per annum on revolving credit.

Rewards & Benefits

Welcome BonusGet a joining fee waiver by spending ₹10,000 within 90 days of card issuance.
Welcome BonusNot Applicable
Rewards Rate1% unlimited cashback on eligible transactions, 5% on Smartbuy, 1% on UPI Spends.
Rewards RateEarn 3% on Groceries, Supermarket, Dining, PayZapp; 2% on Utilities; 1% on other spends.
Reward TypeCashback
Reward TypeReward Points
Reward Redemption FeeNil
Reward Redemption Fee₹99 + GST per redemption.

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge AccessNot Applicable
International Lounge Access
International Lounge AccessNot Applicable
Travel Benefits
Travel BenefitsNot Applicable
Movie Benefits
Movie BenefitsNot Applicable
Dining BenefitsFlat 10% Savings via Swiggy Dineout. 25% Dining Discount via Swiggy Dineout, up to Rs. 300.
Dining BenefitsEarn 3% Cashpoints on dining spends, capped at 500 Cashpoints monthly.
Golf Benefits
Golf BenefitsNot Applicable
Fuel Surcharge Waiver1% fuel surcharge waiver (min ₹400, max ₹5,000 txns, max waiver ₹250/cycle).
Fuel Surcharge WaiverNot Applicable.

Security & Other

Insurance BenefitsZero lost card liability for fraudulent transactions if reported immediately.
Insurance BenefitsNot Applicable
Cash Advance Charges2.5%
Cash Advance Charges2.5% of withdrawal amount or ₹500, whichever is higher.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

HDFC Bank Pixel Go Credit Card

HDFC Bank UPI RuPay Credit Card

Who is it for?

The HDFC Bank Pixel Go Credit Card is an excellent choice for individuals seeking their first credit card, especially those with a digital-first lifestyle. It offers a straightforward 1% unlimited cashback on most spends, with boosted rates for Smartbuy and UPI transactions, providing value across common spending categories. Its reasonable fee structure and easy waiver conditions make it highly accessible, while seamless digital management through PayZapp enhances the user experience.

Who is it for?

The HDFC Bank UPI RuPay Credit Card is the first credit card introduced by HDFC Bank that allows cardholders to link it with their UPI ID for seamless transactions on popular UPI applications. Designed for convenience and easy credit, this virtual card offers up to 3% Cashpoints on specific UPI and regular spend categories, with a low annual fee and spend-based waiver.

Pros

Key benefits and features.

Seamless digital onboarding and management through the PayZapp application.

Reasonable joining and renewal fees (₹250 + GST) with easy waiver conditions.

Enjoy unlimited 1% cashback on eligible transactions, with 5% on Smartbuy and 1% on UPI.

Benefit from attractive dining discounts via Swiggy Dineout, offering significant savings.

Flexibility to convert outstanding balance or select transactions into low-cost EMIs.

Pros

Key benefits and features.

Earn CashPoints on both regular credit card payments and UPI transactions.

Offers up to 3% Cashpoints on grocery, supermarket, dining, and PayZapp spends.

Issued as a virtual card, providing convenience by eliminating the need for a physical card.

Low annual fee of ₹99 + GST with a spend-based waiver option.

Cons

Key drawbacks and limitations.

Primary cashback rate of 1% is moderate, potentially lower than specialized cards.

Cashback is excluded for specific categories like fuel, wallet, rent, and government spends.

Lacks premium benefits such as airport lounge access, golf privileges, or comprehensive insurance.

Cons

Key drawbacks and limitations.

Benefits are primarily focused on UPI payments and cashback, with limited other perks.

Several spend categories are explicitly excluded from earning Cashpoints.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for HDFC Bank Pixel Go Credit Card(opens in new tab)Apply for HDFC Bank UPI RuPay Credit Card(opens in new tab)