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
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 | IDFC FIRST EA₹N Credit Card | HDFC Bank PIXEL Go Credit Card |
|---|---|---|
| Issuer | IDFC FIRST Bank | HDFC Bank |
| Network | RuPay | Visa, RuPay |
| Joining fee | Rs 0 | Rs 250 |
| Annual fee | Rs 499 | Rs 250 |
| Fee waiver spend | Rs 1,00,000 | Rs 50,000 |
| Reward type | cashback | PIXEL CashPoints |
| Best for | secured card, upi, cashback, credit builder, virtual card | digital first, upi, smartbuy, payzapp, cashback |
| Top reward categories | 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 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 | Statement credit: upto Rs 1 per point | Statement credit: upto Rs 1 per point |
| Key exclusions | EMI transactions, Cash withdrawal / cash advance transactions | Fuel transactions, Wallet loading transactions, Rent payments, Government related transactions, EMI transactions (including post-facto EMI conversions), Cash advances / cash withdrawals |