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
IDFC FIRST EA₹N Credit Card
Rs 499Annual fee
Rs 1,00,000Fee waiver spend
0Domestic lounge
3.5%Forex markup
Best for
secured card, upi, cashback, credit builder, virtual card
Top rewards
UPI spends via IDFC FIRST Bank Mobile App: 1% cashback; Other spends (including offline, online, utility, insurance, fuel, and third-party UPI): 0.5% cashback
| Feature | HDFC Bank PIXEL Go Credit Card | IDFC FIRST EA₹N Credit Card |
|---|---|---|
| Issuer | HDFC Bank | IDFC FIRST Bank |
| Network | Visa, RuPay | RuPay |
| Joining fee | Rs 250 | Rs 0 |
| Annual fee | Rs 250 | Rs 499 |
| Fee waiver spend | Rs 50,000 | Rs 1,00,000 |
| Reward type | PIXEL CashPoints | cashback |
| Best for | digital first, upi, smartbuy, payzapp, cashback | secured card, upi, cashback, credit builder, virtual card |
| Top reward categories | SmartBuy transactions: 5% Cashback; UPI transactions (RuPay variant): 1% Cashback; Online spends: 1% Cashback | UPI spends via IDFC FIRST Bank Mobile App: 1% cashback; Other spends (including offline, online, utility, insurance, fuel, and third-party UPI): 0.5% cashback |
| SmartBuy / accelerated caps | smartbuy: monthly 500 PIXEL CashPoints | Not listed |
| Domestic lounge | 0 | 0 |
| International lounge | 0 | 0 |
| Forex markup | 3.5% | 3.5% |
| Milestone benefits | Joining fee waiver on spending Rs 10,000 within 90 days of issuance | Not listed |
| Redemption | Statement credit: upto Rs 1 per point | Statement credit: upto Rs 1 per point |
| Key exclusions | Fuel transactions, Wallet loading transactions, Rent payments, Government related transactions, EMI transactions (including post-facto EMI conversions), Cash advances / cash withdrawals | EMI transactions, Cash withdrawal / cash advance transactions |