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HDFC Bank Pixel Go Credit Card VS RBL Bank QuickPay 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: 21 July 2026

Both are explicitly beginner-oriented, low-fee cards. HDFC Bank Pixel Go charges ₹250 + GST (waivable on ₹10,000 spend in 90 days) for unlimited 1% cashback, rising to 5% on SmartBuy. RBL Bank QuickPay charges a lower ₹99 + GST with a simpler points system and a 20% cashback welcome offer on first UPI transactions. QuickPay's lower entry fee and UPI-first welcome offer suit someone building credit from absolute zero; Pixel Go's straightforward unlimited cashback and PayZapp integration offer more everyday value once the fee is waived.

HDFC Bank Pixel Go Credit Card
HDFC Bank Pixel Go Credit Card
RBL Bank QuickPay Credit Card
RBL Bank QuickPay 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 WaiverNot applicable.
Foreign Transaction Fees3.5%
Foreign Transaction Fees3.5%
Interest Rate (APR)3.60% Monthly, 43.20% Yearly
Interest Rate (APR)Up to 3.99% per Month (47.88% per Annum)

Rewards & Benefits

Welcome BonusGet a joining fee waiver by spending ₹10,000 within 90 days of card issuance.
Welcome BonusEnjoy 20% cashback on your first two UPI transactions, capped at ₹50, within 15 days of card issuance.
Rewards Rate1% unlimited cashback on eligible transactions, 5% on Smartbuy, 1% on UPI Spends.
Rewards RateEarn 1 Reward Point for every ₹200 spent on eligible transactions.
Reward TypeCashback
Reward TypeReward Points
Reward Redemption FeeNil
Reward Redemption Fee

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge Access
International Lounge Access
International Lounge Access
Travel Benefits
Travel Benefits
Movie Benefits
Movie Benefits
Dining BenefitsFlat 10% Savings via Swiggy Dineout. 25% Dining Discount via Swiggy Dineout, up to Rs. 300.
Dining Benefits
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% fuel surcharge waiver (min ₹400, max ₹5,000 txns, max waiver ₹250/cycle).
Fuel Surcharge Waiver1% waiver on fuel surcharge

Security & Other

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

HDFC Bank Pixel Go Credit Card

RBL Bank QuickPay 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 RBL Bank QuickPay Credit Card is an entry-level credit card from RBL Bank, ideal for beginners establishing credit history. It features an affordable ₹99 + GST fee and focuses on basic reward points, including a 20% cashback on initial UPI transactions. This card serves as a digital-first companion for online and UPI-based transactions, offering a simple stepping stone into credit without extensive lifestyle perks.

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.

The RBL Bank QuickPay Credit Card features a very low joining fee of just ₹99 + GST.

New users receive an attractive 20% cashback welcome offer on their initial UPI transactions.

It offers a straightforward rewards structure, earning 1 Reward Point for every ₹200 spent.

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.

The RBL Bank QuickPay Credit Card lacks premium benefits like lounge access, dining, or travel perks.

Reward point accrual is excluded for many common categories such as fuel, utilities, and insurance.

The card has a relatively low reward rate, offering limited value on general spending.

Eligibility for the QuickPay Credit Card is restricted to existing RBL Bank cardholders.

A separate fee of ₹250 + GST is charged for the issuance of a physical card.

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 RBL Bank QuickPay Credit Card(opens in new tab)