Head-to-head · 🇮🇳 India
HDFC Pixel vs AU Bank LIT
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
HDFC Bank
HDFC Pixel
VISA
Wins 3 of 10
IN
AU Small Finance Bank
AU Bank LIT
VISA
Wins 2 of 10
Verdict
HDFC Pixel wins 3-2. Gen Z first card — fully digital, instant approval, customizable art. AU Bank LIT is still the right call if india's first customizable card — choose your perks each month..
Side-by-side
| Criterion | HDFC Pixel | AU Bank LIT |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 3% (shopping) | · 1% (general) |
| Base reward rate | = 1% | = 1% |
| Forex markup | · 3.5% | 1.99% |
| Welcome bonus | = Customizable card design + ₹250 voucher | = Customizable card features (toggle benefits on/off) |
| Fee waiver threshold | = N/A (no fee) | = N/A (no fee) |
| Min income | ₹200,000 | · ₹300,000 |
| Min credit score | 700 | · 730 |
| Editorial rating | · 4.2/5 | 4.3/5 |
Benefits compared
HDFC Pixel
- 3% cashback on 2 chosen merchants (Swiggy/Zomato/Uber/Amazon/etc.)
- 1% on other spends
- Lifetime free
- Mobile-first app experience
- Dynamic CVV for security
AU Bank LIT
- Toggle between 4 benefit packs each month (cashback / travel / shopping / dining)
- 5x rewards on chosen category
- Lifetime free
- 4 domestic lounge visits/quarter
- 1% fuel surcharge waiver
FAQ
›HDFC Pixel vs AU Bank LIT: which is better?
HDFC Pixel wins on more dimensions (3 vs 2). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use HDFC Pixel for its best categories, AU Bank LIT for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
HDFC Pixel: Customizable card design + ₹250 voucher. AU Bank LIT: Customizable card features (toggle benefits on/off).