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HDFC Millennia vs HDFC Pixel Play
Which credit card is better for you? Fees, rewards & charges side by side.
| HDFC Bank
Pixel Play
Visa
| |
|---|---|---|
| Apply Now → | Apply Now → | |
| Annual fee | ₹1,000 | ₹500 |
| Joining fee | ₹1,000 | ₹500 |
| Our rating | ★ 4.2 | ★ 4.3 |
| Rewards | 1% – 5% cashback | 1% – 5% cashback |
| Best for | Young professionals using popular shopping & food apps | Online shoppers who want to choose where they earn the most |
| Top benefits | 💸 5% cashback 🛒 1% cashback 🎁 ₹1,000 voucher | 🎯 5% on 2 packs 🛍️ 3% on 1 site ♾️ 1% on rest |
| Lounge access | 1 domestic/quarter via milestone | None |
| Fee waiver | Renewal fee waived on ₹1 lakh yearly spend | Annual fee waived on ₹1 lakh yearly spend |
| Min. income | ₹4 lakh/year | ₹25,000/month |
| Credit score | 720+ | 720+ |
| Forex markup | 3.5% | 3.5% |
| Interest | 3.75%/month (45% p.a.) | 3.75%/month (45% p.a.) |
| Cash withdrawal | 2.5% (min ₹500) | 2.5% (min ₹500) |
| Late fee | ₹0 – ₹1,300 by bill amount | ₹0 – ₹1,300 by bill amount |
| Apply Now → | Apply Now → |
Quick verdict
The HDFC Millennia Credit Card is ₹1,000 a year and gives 1% – 5% cashback. The HDFC Pixel Play Credit Card is ₹500 a year and gives 1% – 5% cashback. The HDFC Pixel Play is cheaper to keep. Our rating: HDFC Millennia ★ 4.2, HDFC Pixel Play ★ 4.3.
Choose…
- HDFC Millennia if you are: young professionals using popular shopping & food apps. 5% cashback on 10 popular brands · 1% cashback on all other spends · ₹1,000 voucher every ₹1L quarter.
- HDFC Pixel Play if you are: online shoppers who want to choose where they earn the most. 5% on 2 packs you choose: dining, travel, grocery… · 3% on 1 site Amazon, Flipkart or PayZapp · 1% on rest all other eligible spends.
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