Head-to-head · 🇮🇳 India
HDFC Pixel vs SBI Aurum
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
HDFC Bank
HDFC Pixel
VISA
Wins 4 of 10
IN
Premium
SBI Card
SBI Aurum
Wins 5 of 10
Verdict
SBI Aurum wins 5-4. Invitation-only super-premium SBI metal card. HDFC Pixel is still the right call if gen z first card — fully digital, instant approval, customizable art..
Side-by-side
| Criterion | HDFC Pixel | SBI Aurum |
|---|---|---|
| Annual fee | No annual fee | · ₹9,999 |
| Joining fee | None | · ₹9,999 |
| Top reward rate | · 3% (shopping) | 4% (general) |
| Base reward rate | · 1% | 4% |
| Forex markup | · 3.5% | 1.99% |
| Welcome bonus | = Customizable card design + ₹250 voucher | = 10,000 reward points + ₹10,000 brand voucher |
| Fee waiver threshold | · N/A (no fee) | ₹1,500,000 / yr |
| Min income | ₹200,000 | · ₹3,500,000 |
| Min credit score | 700 | · 800 |
| Editorial rating | · 4.2/5 | 4.6/5 |
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
SBI Aurum
- 4 reward points per ₹100 (~4% value)
- Unlimited domestic + 6 international lounge visits/quarter
- Concierge 24x7
- Taj Inner Circle membership
- 2 free golf rounds/month
FAQ
›HDFC Pixel vs SBI Aurum: which is better?
SBI Aurum wins on more dimensions (5 vs 4). 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, SBI Aurum 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. SBI Aurum: 10,000 reward points + ₹10,000 brand voucher.