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| Feature | HDFC Bank HDFC Bank PIXEL Play Credit Card | AU Small Finance Bank AU Bank Spont Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | HDFC Bank | AU Small Finance Bank |
| Network | RuPay | RuPay |
| Annual fee | ₹500 + GST per year | ₹299 + GST per year |
| Annual fee waiver | At ₹1,00,000 annual spending | No waiver recorded |
| Base reward rate | 1% | 1% |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | Selected PIXEL packs: ₹500/month · SmartBuy CashPoints: ₹500/month · Ecommerce-choice CashPoints: ₹500/month · RuPay UPI CashPoints: ₹500/month | No general cap recorded |
| RuPay credit card on UPI | Eligible for merchant UPI payments | Eligible for merchant UPI payments |
| Airport lounge access | No complimentary airport lounge access recorded | 8 domestic airport lounge visits per year |
| Forex markup | 3.5% | 3.5% |
| Monthly income requirement | Approx. ₹25,000/month | Not listed |
| Terms verified | 21 Sept 2026 | 24 Sept 2026 |
| Best suited to | PayZapp users who want to actively tune their reward categories rather than accept a fixed list. | UPI-first users who can spend ₹20,000 per quarter and value occasional airport lounge visits. |
| Main trade-off | You have to actively select and update your merchant packs in the PayZapp app: the accelerated rate does nothing on categories you forget to pick. | Airport lounge access needs ₹50,000 in the previous calendar quarter, not ₹20,000. UPI cashback applies to merchant payments; AU0101 COINS have no stable cash value and are not ranked. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
