Credit cards are great tools to save money and manage finances. But when one has to apply for the right credit card it can often get confusing. For such reasons, AU Small Finance Bank amongst others started coming out with customizable credit cards. With these cards one could pick and choose the features they wanted and even pay for them accordingly if required. AU Bank came out with the LIT Credit Card, with which you can choose the features you want and basically build your own unique card for a period of 90 days after that you can choose to keep the same features or select different ones. From complimentary memberships to accelerated reward points this card has it all.

HDFC Pixel Play Vs AU LIT Credit Card

Now following in the footsteps of others the credit card giant, HDFC Bank has also introduced its own version of a customizable credit card the Pixel Play Card. This card offers a fast, convenient, and completely digital application process. One can select their own cashback category along with partner brands and be in charge of their spending with the Pixel Play Credit Card.

About Digital Pixel Play Credit Card

Digital Pixel Play Credit Card

Joining/Renewal Fee – Rs. 500 + GST

Joining Fee Waiver – On Spends of Rs. 20,000 Within 90 Days of Card Issuance

Renewal Fee Waiver – On Spends of Rs. 1 Lakh in a Year

The Pixel Play Credit Card has an easy onboarding process. One can easily avail of the digital version of this card through the PayZapp mobile application. A physical Visa variant credit card is also offered along with a completely virtual card. The membership fee for this card is affordable, and it offers the chance to earn 5% cashback on two selected categories. These categories include popular brands in sectors such as dining, entertainment, travel, groceries, electronics, and fashion. This makes the card a great fit for young shoppers who love to shop at Croma, Myntra, Reliance, Nykaa, and more. Foodies can also flock to this card as it offers 5% cashback on Zomato and Blinkit under its many cashback categories.

What is the Reward Structure?

With the Pixel Play Credit Card, you can select any of the two packs where you shall earn 5% cashback.

  • Dining & Entertainment Category – BookMyShow & Zomato
  • Travel Category – MakeMyTrip & Uber
  • Grocery Category – Blinkit & Reliance Smart Bazaar
  • Electronics Category – Croma & Reliance Digital
  • Fashion Category – Nykaa & Myntra

Apart from the high cashback of 5% on select categories and brands, this card offers 3% cashback on the choice of any one E-commerce merchant – PayZapp, Amazon, or Flipkart. 1% unlimited cashback is earned across all other spends.

What Should You Be Aware Of?

Although this card offers a decent reward rate of 5% cashback on select categories. This cashback shall be given out as PIXEL Cashpoints which can be only redeemed through PayZapp. You can buy vouchers for your favorite brand from it. These PIXEL Cashpoints shall be valid for a period of two years from the date of accumulation.

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About Customizable AU LIT Credit Card

AU LIT Credit Card

Joining/Renewal Fee – Lifetime Free 

AU LIT Credit Card is one of the most popular cards in India. A pioneer in the customizable credit card category this exclusive and rewarding card by AU Bank is already a very familiar name in the Indian market. It is a lifetime free offering where an individual can opt for the features they require and pay for the same. These features shall be applicable for a period of 90 days after which one can again change them or keep them the same. This customizable model of the AU LIT Credit Card allows users to opt for the features of their choice at a very cheap price this includes free airport lounge access, fuel surcharge waiver, milestone benefits, and complimentary memberships.

Which Features Can I Avail With AU LIT?

The table below shall shed more light on all the features one can pay and receive with the AU Bank LIT Credit Card.

Feature Charges
1 Free Domestic Airport Lounge Access ₹199
2 Free Domestic Airport Lounge Access ₹299
1% Fuel Surcharge Waiver ₹49
Zee5 – 3 Months ₹99
Amazon Prime – 3 Months ₹199
Cult.fit – 3 Months ₹499
5% Cashback on Grocery ₹299
5% Cashback on Travel ₹299
5% Cashback on Dining ₹299
5% Cashback on Electronics ₹299
5% Cashback on Apparel Spends ₹199

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Comparison of Both the Cards

Features Pixel Play Credit Card AU LIT Credit Card
Joining/Renewal Fee Rs. 500 + GST Lifetime Free
Reward Rate 5% Cashback on Any Two Selected Categories, 3 Cashback on a Chosen E-Commerce Merchant, and 1% Cashback on All Other Eligible Spends 5% Cashback on Chosen Categories.  10X/5X Reward Points on Online and Offline Spends
Complimentary Memberships N/A Zee5, Amazon Prime, and Cult.fit
Airport Lounge Access N/A One Free Visit at Rs. 199 and Two at Rs. 200
Milestone Benefits N/A 5% and 2% Additional Cashback Can Be Opted for
Reward Redemption On the PayZapp Portal RPs Can Be Redeemed for Airmiles, Various Bookings, Vouchers and More

Bottom Line

In conclusion, both the HDFC Pixel Play and AU LIT Credit Card offer unique features and benefits for different preferences and spending habits. The Pixel Play Credit Card provides customizable cashback options and a digital-first experience, while the AU LIT Credit Card offers lifetime free membership with a range of rewards and benefits including complimentary memberships, airport lounge access, and milestone benefits. Its best to mention that most of the features with the AU LIT Credit Card have to be subscribed for.

The ultimate choice remains with each individual. If you are looking for free airport lounge access, then the AU LIT Credit Card is the most suitable option. However, if you are seeking a simple credit card that offers cashback and you regularly use PayZapp, then the Pixel Play Credit Card is the obvious choice.

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