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| Feature | AU Small Finance Bank AU Bank Altura Credit Card | HDFC Bank HDFC Bank PIXEL Go Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | AU Small Finance Bank | HDFC Bank |
| Network | Visa | Visa + RuPay |
| Annual fee | ₹199 + GST per year | ₹250 + GST per year |
| Annual fee waiver | At ₹40,000 annual spending | At ₹50,000 annual spending |
| Base reward rate | 1% | 1% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Bills & utilities | 2% · Utility cashback | 1% · RuPay merchant-UPI cashback |
| Groceries & essentials | 2% · Grocery cashback | 1% · RuPay merchant-UPI cashback |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | No general cap recorded | SmartBuy CashPoints: ₹500/month · RuPay UPI CashPoints: ₹500/month · Ordinary CashPoints: ₹15,000/month |
| RuPay credit card on UPI | Not eligible | Eligible for merchant UPI payments |
| Airport lounge access | No complimentary airport lounge access recorded | No complimentary airport lounge access recorded |
| Forex markup | 3.5% | 3.5% |
| Monthly income requirement | Not listed | Approx. ₹12,000/month salaried · ₹50,000/month self-employed |
| Terms verified | 24 Sept 2026 | 23 Sept 2026 |
| Best suited to | Budget-conscious users with grocery, utility and department-store spending. | Digital-first users seeking a low-fee HDFC card with optional RuPay UPI support. |
| Main trade-off | Department-store cashback requires the issuer merchant classification. The lounge benefit is for railway lounges, not airports, and AU fair-use charges may apply to high fuel, utility, rent, education or transport spend. | SmartBuy and UPI each have separate ₹500 monthly caps; ordinary cashback has a ₹15,000 monthly ceiling. Transactions below ₹100 and multiple regulated categories earn nothing. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
