AU Bank LIT Credit Card VS HDFC Bank Pixel Play Credit Card
Both HDFC Bank Pixel Play Credit Card and AU Bank LIT Credit Card suit shopping-focused spenders, but they earn and cost differently. HDFC Bank Pixel Play Credit Card costs ₹500 + GST and earns up to 5% cashback on chosen categories, 3% on select e-commerce, 1% unlimited on others. AU Bank LIT Credit Card is lifetime-free and earns 1 Reward Point for every ₹100 spent on retail transactions. Paid features offer 5x/10x points. HDFC Bank Pixel Play Credit Card also brings joining fee waived by spending ₹20,000 within 90 days of card issuance, while AU Bank LIT Credit Card counters with 1 complimentary airport lounge access every quarter (paid feature, ₹399 for 90 days). If dining spending matters more, go with HDFC Bank Pixel Play Credit Card; if travel is the priority, AU Bank LIT Credit Card fits better.
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
AU Bank LIT Credit Card
HDFC Bank Pixel Play Credit Card
Who is it for?
Who is it for?
Pros
Key benefits and features.
Highly customizable, allowing users to select and pay for desired features.
Lifetime Free status eliminates annual fees, saving costs on unused benefits.
Offers diverse paid features like accelerated rewards, cashback, and memberships.
Flexibility to activate/deactivate benefits via the AU 0101 App as per need.
Pros
Key benefits and features.
Offers high cashback of up to 5% on popular categories and brands like Zomato and Myntra.
Customizable cashback packs allow tailoring rewards to individual spending preferences.
Enjoy a consistent 1% unlimited cashback on all other eligible spends, maximizing savings.
Experience seamless digital onboarding and comprehensive in-app card management via PayZapp.
Benefit from a substantial interest-free credit period of up to 50 days on purchases.
Cons
Key drawbacks and limitations.
Users must pay for most premium benefits, increasing overall cost if many are chosen.
Requires active management via app to select/deactivate features and avoid auto-renewal.
Penalty fees apply for not meeting spend targets for certain paid memberships.
Unused lounge access and other paid features expire, cannot be carried forward.
Cons
Key drawbacks and limitations.
The card has a joining fee which, while waivable, means no substantial upfront welcome benefits.
Cashback is not applicable on certain categories like Fuel, Wallet, Rent, and EMI transactions.
Cashback on specific categories like chosen packs, Smartbuy, and 3% e-commerce merchants are capped monthly.