Side-by-side · honest numbers
AU Zenith Credit Card vs HDFC Bank PIXEL Play Credit Card
Honest side-by-side comparison of AU Zenith Credit Card, HDFC Bank PIXEL Play Credit Card — annual fees, reward rates, income eligibility, and estimated net annual value on the same spend profile.
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Spend assumptions
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AU Zenith Credit Card
AU Small Finance Bank
HDFC Bank PIXEL Play Credit Card
HDFC Bank
Your adjusted comparison
| Feature | AU Zenith Credit Card AU Small Finance Bank | HDFC Bank PIXEL Play 4532 6175 2147 1644 Valid thru 12/28 Acc CREDIT Card holder HDFC BANK PIXEL PLAY C Customer service HDFC Bank · 1800-XXX-XXXX Authorized signature CVV••• HDFC Bank PIXEL Play Credit Card Top reward: 5% CashPoints Annual fee: ₹500 Min income: ₹25,000/mo Property of HDFC Bank. If found, return to nearest branch. Not valid unless signed. Tap to flip back HDFC Bank PIXEL Play Credit Card HDFC Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹7,999 | ₹500 |
| Fee waiver threshold | ₹5,00,000/yr | Waived at ₹1,00,000/yr spend |
| Min income | ₹75,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | -₹8,478/yr | ₹8,460/yr |
| Online shopping | — | ₹8,000 × 3% = ₹240/mo (₹2,880/yr) · issuer max ₹500/mo |
| Groceries (offline) | — | ₹5,000 × 5% = ₹250/mo (₹3,000/yr) · issuer max ₹500/mo |
| Dining & delivery | — | ₹3,500 × 5% = ₹175/mo (₹2,100/yr) · issuer max ₹500/mo |
| Travel | ₹3,000 → 60 pts/mo × ₹0.50/pt = ₹30/mo (₹360/yr) | — |
| Top reward rate | 3X points/₹150 | 5% CashPoints |
| Primary reward cap | No monthly cap published | ₹500 rewards/mo cap |
| Perks & restrictions | ||
| Lounge access | 8 domestic airport lounge visits per year (2/quarter) · Domestic lounge gated on ₹20,000 spend per calendar quarter | None |
| UPI rewards | Not supported (Visa/MC) | Earns: 1% CashPoints on UPI (RuPay variant) · cap 500 CashPoints/month |
| Key exclusions | EMI · Fuel · Rent | EMI · Rent · Wallet · Fuel (surcharge waiver only) |
| Bonuses | ||
| Signup bonus | — | — |
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https://cardhungry.com/in/en/compare/au-zenith-vs-hdfc-pixel-playReference summary
At a glance (moderate spend)
Quick verdict: On moderate spend, HDFC Bank PIXEL Play Credit Card leads AU Zenith Credit Card by about ₹16,938/yr in estimated net value.
Spend assumptions for this table
Moderate user spend profile · ₹31,000/mo
₹31,000/month total spend — typical India user
Online ₹8,000 · Groceries ₹5,000 · Other ₹4,000 · Dining ₹3,500 · Bills ₹3,500
| Feature | AU Zenith Credit Card AU Small Finance Bank | HDFC Bank PIXEL Play Credit Card HDFC Bank |
|---|---|---|
| Fees & eligibility | ||
| Annual fee | ₹7,999 | ₹500 |
| Fee waiver threshold | ₹5,00,000/yr | Waived at ₹1,00,000/yr spend |
| Min income | ₹75,000/mo | ₹25,000/mo |
| Secured / FD-backed | Standard | Standard |
| Rewards | ||
| Net annual value (moderate) | -₹8,478/yr | ₹8,460/yr |
| Online shopping | — | ₹8,000 × 3% = ₹240/mo (₹2,880/yr) · issuer max ₹500/mo |
| Groceries (offline) | — | ₹5,000 × 5% = ₹250/mo (₹3,000/yr) · issuer max ₹500/mo |
| Dining & delivery | — | ₹3,500 × 5% = ₹175/mo (₹2,100/yr) · issuer max ₹500/mo |
| Travel | ₹3,000 → 60 pts/mo × ₹0.50/pt = ₹30/mo (₹360/yr) | — |
| Top reward rate | 3X points/₹150 | 5% CashPoints |
| Primary reward cap | No monthly cap published | ₹500 rewards/mo cap |
| Perks & restrictions | ||
| Lounge access | 8 domestic airport lounge visits per year (2/quarter) · Domestic lounge gated on ₹20,000 spend per calendar quarter | None |
| UPI rewards | Not supported (Visa/MC) | Earns: 1% CashPoints on UPI (RuPay variant) · cap 500 CashPoints/month |
| Key exclusions | EMI · Fuel · Rent | EMI · Rent · Wallet · Fuel (surcharge waiver only) |
| Bonuses | ||
| Signup bonus | — | — |
Frequently asked questions
- Which card has the lower annual fee?
- HDFC Bank PIXEL Play Credit Card has the lowest annual fee at ₹500.
- Which card earns more on moderate spend?
- HDFC Bank PIXEL Play Credit Card leads with an estimated ₹8,460/yr net annual value on moderate spend.
- Which card has the lower income requirement?
- HDFC Bank PIXEL Play Credit Card lists a minimum monthly income of ₹25,000.
- Does this comparison pull my credit score?
- No. CardHungry estimates net value from public fee and reward rules only — no bureau check.
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