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
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 | PIXEL Go Credit Card | 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 | Cashback And 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 Transactions: Monthly 500 Cashback And 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 ₹10,000 within 90 days of issuance | Not Listed |
| Redemption | Statement credit: upto ₹ 1 per point | Statement credit: upto ₹ 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 |