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
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 | EA₹N Credit Card | 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 | Cashback And 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 Transactions: Monthly 500 Cashback And 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 ₹10,000 within 90 days of issuance |
| Redemption | Statement credit: upto ₹ 1 per point | Statement credit: upto ₹ 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 |