HDFC Bank PIXEL Go Credit Card
Rs 250Annual fee
Rs 50,000Fee waiver spend
0Domestic lounge
3.5%Forex markup
Best for
digital first, upi, smartbuy, payzapp, cashback
Top rewards
SmartBuy transactions: 5% Cashback; UPI transactions (RuPay variant): 1% Cashback; Online spends: 1% Cashback
HSBC RuPay Cashback Credit Card
Rs 499Annual fee
Rs 2,00,000Fee waiver spend
8Domestic lounge
Domestic lounge conditions
- 8 complimentary domestic lounge visits per year (max 2 per calendar quarter).
- 2 complimentary international lounge visits per calendar year.
3.5%Forex markup
Best for
rupay, upi, cashback, dining, grocery
Top rewards
Dining, Food Delivery, and Grocery spends: 10% Cashback; Other spends: 1% Cashback
| Feature | HDFC Bank PIXEL Go Credit Card | HSBC RuPay Cashback Credit Card |
|---|---|---|
| Issuer | HDFC Bank | HSBC Bank |
| Network | Visa, RuPay | RuPay |
| Joining fee | Rs 250 | Rs 499 |
| Annual fee | Rs 250 | Rs 499 |
| Fee waiver spend | Rs 50,000 | Rs 2,00,000 |
| Reward type | PIXEL CashPoints | cashback |
| Best for | digital first, upi, smartbuy, payzapp, cashback | rupay, upi, cashback, dining, grocery |
| Top reward categories | SmartBuy transactions: 5% Cashback; UPI transactions (RuPay variant): 1% Cashback; Online spends: 1% Cashback | Dining, Food Delivery, and Grocery spends: 10% Cashback; Other spends: 1% Cashback |
| SmartBuy / accelerated caps | smartbuy: monthly 500 PIXEL CashPoints | Not listed |
| Domestic lounge | 0 | 8 |
| International lounge | 0 | 2 |
| Forex markup | 3.5% | 3.5% |
| Milestone benefits | Joining fee waiver on spending Rs 10,000 within 90 days of issuance | Not listed |
| Redemption | Statement credit: upto Rs 1 per point | Statement credit: upto Rs 1 per point |
| Key exclusions | Fuel transactions, Wallet loading transactions, Rent payments, Government related transactions, EMI transactions (including post-facto EMI conversions), Cash advances / cash withdrawals | Utility bill payments, Fuel-related transactions, Rental payments and commissions, Insurance premium payments, EMI transactions, Government-related payments |