Head-to-head · 🇮🇳 India
HDFC Pixel vs Axis MyZone
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
HDFC Bank
HDFC Pixel
VISA
Wins 6 of 10
IN
Axis Bank
Axis MyZone
VISA
Wins 1 of 10
Verdict
HDFC Pixel wins 6-1. Gen Z first card — fully digital, instant approval, customizable art. Axis MyZone is still the right call if entry-tier with strong entertainment partnerships..
Side-by-side
| Criterion | HDFC Pixel | Axis MyZone |
|---|---|---|
| Annual fee | No annual fee | · ₹500 |
| Joining fee | None | · ₹500 |
| Top reward rate | 3% (shopping) | · 1% (general) |
| Base reward rate | = 1% | = 1% |
| Forex markup | = 3.5% | = 3.5% |
| Welcome bonus | = Customizable card design + ₹250 voucher | = ₹500 SonyLIV / Eros Now subscription |
| Fee waiver threshold | · N/A (no fee) | ₹100,000 / yr |
| Min income | ₹200,000 | · ₹240,000 |
| Min credit score | 700 | · 720 |
| Editorial rating | 4.2/5 | · 4/5 |
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
Axis MyZone
- Buy-1-get-1 BookMyShow tickets up to ₹500/transaction
- 40% off on Swiggy (capped ₹120)
- Sony LIV / Eros Now annual subscription
- 4 reward points per ₹200
- 1% fuel surcharge waiver
FAQ
›HDFC Pixel vs Axis MyZone: which is better?
HDFC Pixel wins on more dimensions (6 vs 1). 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, Axis MyZone 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. Axis MyZone: ₹500 SonyLIV / Eros Now subscription.