Equitas Tiga Credit Card
Rs 500Annual fee
Rs 1,20,000Fee waiver spend
0Domestic lounge
3.5%Forex markup
Best for
upi, cashback, fuel
Top rewards
UPI, contactless, and Pay-by-3 merchant spends: 3 Reward Points / Rs 100 spent; Other retail spends: 1 Reward Point / Rs 100 spent
HDFC Bank PIXEL Go Credit Card
Rs 250Annual fee
Rs 50,000Fee waiver spend
0Domestic lounge
3.5%Forex markup
Best for
digital first, upi, smartbuy, payzapp, cashback
Top rewards
SmartBuy transactions: 5% Cashback; UPI transactions (RuPay variant): 1% Cashback; Online spends: 1% Cashback
| Feature | Equitas Tiga Credit Card | HDFC Bank PIXEL Go Credit Card |
|---|---|---|
| Issuer | Equitas Small Finance Bank | HDFC Bank |
| Network | Visa, RuPay | Visa, RuPay |
| Joining fee | Rs 500 | Rs 250 |
| Annual fee | Rs 500 | Rs 250 |
| Fee waiver spend | Rs 1,20,000 | Rs 50,000 |
| Reward type | reward points | PIXEL CashPoints |
| Best for | upi, cashback, fuel | digital first, upi, smartbuy, payzapp, cashback |
| Top reward categories | UPI, contactless, and Pay-by-3 merchant spends: 3 Reward Points / Rs 100 spent; Other retail spends: 1 Reward Point / Rs 100 spent | SmartBuy transactions: 5% Cashback; UPI transactions (RuPay variant): 1% Cashback; Online spends: 1% Cashback |
| SmartBuy / accelerated caps | Not listed | smartbuy: monthly 500 PIXEL CashPoints |
| Domestic lounge | 0 | 0 |
| International lounge | 0 | 0 |
| Forex markup | 3.5% | 3.5% |
| Milestone benefits | Not listed | Joining fee waiver on spending Rs 10,000 within 90 days of issuance |
| Redemption | Not listed | Statement credit: upto Rs 1 per point |
| Key exclusions | Fuel transactions (surcharge waiver only, no reward points), Cash advance transactions, EMI conversion transactions, Wallet loading transactions, Rent payments, Government spends & tax payments | Fuel transactions, Wallet loading transactions, Rent payments, Government related transactions, EMI transactions (including post-facto EMI conversions), Cash advances / cash withdrawals |