AU Bank LIT vs HDFC Pixel
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
HDFC Pixel wins 4-3. Gen Z first card, fully digital, instant approval, customizable art. AU Bank LIT is still the right call if pick-your-own-categories, toggle 5x on the categories you spend in..
Side-by-side
| Criterion | AU Bank LIT | HDFC Pixel |
|---|---|---|
| Annual fee | No annual fee | · ₹500 |
| Joining fee | None | · ₹500 |
| Top reward rate | · 1% (general) | 3% (shopping) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = Customizable category boosts at sign-up | = Customizable card design + ₹250 voucher |
| Fee waiver threshold | · N/A (no fee) | ₹1,00,000 / yr |
| Min income | · ₹3,60,000 | ₹2,00,000 |
| Min credit score | · 720 | 700 |
| Editorial rating | 4.4/5 | · 4.2/5 |
Benefits compared
AU Bank LIT
- Customize 1 of 8 spend categories at any time
- 5x reward points on chosen category
- 1% fuel surcharge waiver
- 4 free domestic lounge visits/year
- No annual fee, ever
HDFC Pixel
- 3% cashback on 2 chosen merchants (Swiggy/Zomato/Uber/Amazon/etc.)
- 1% on other spends
- Renewal fee waived on ₹1,00,000 spend in a year
- Mobile-first app experience
- Dynamic CVV for security
FAQ
›AU Bank LIT vs HDFC Pixel: which is better?
HDFC Pixel wins on more dimensions (4 vs 3). But the right answer depends on your specific spending pattern. Run your own monthly spend through the maximizer to see which one pays you more.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use AU Bank LIT for its best categories, HDFC Pixel for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
AU Bank LIT: Customizable category boosts at sign-up. HDFC Pixel: Customizable card design + ₹250 voucher.