It’s no longer just plastic money; credit cards are more personalized experiences. In a day and age where personalization is key, two standout credit cards—HDFC Pixel Play and AU LIT Credit Card—are changing the game and allowing users to customize the way rewards work. But which credit card fits your lifestyle better? Let’s review.
What are These cards all about?
HDFC Pixel Play: Launched under HDFC’s “Pixel” branding for a more modern touch, the Pixel Play focuses on flexibility. You can set your preferred reward categories and use an elegant digital interface for active control.
AU LIT Credit Card: The AU LIT (Live-It-Tailored) credit card is from AU Small Finance Bank and is India’s first “truly customizable” credit card. The AU LIT lets you choose benefits across the categories of rewards, lifestyle and travel—paying for things when you use them—truly customizable!
Key Features Comparison
| Feature | HDFC Pixel Play | AU LIT Credit Card |
| Customization Model | Select 2 categories from 5 options | Choose modules (e.g., lounge, OTT, fuel) |
| Reward Rate | Up to 5% on selected spends | Up to 10% based on modules selected |
| Annual Fee | ₹500 + GST (waived on ₹2L spend) | ₹0 base fee (pay for features a la carte) |
| Card Type | Digital-first, entry-level Pixel offering | Modular card with flexible pricing |
| App Experience | Managed via HDFC app | Fully app-controlled, real-time tweaks |
| Welcome Benefits | Offers on Swiggy, Zomato, OTT | Free trial modules, offers vary |
Also read: Is HDFC Millennia the Perfect Cashback Card for Millennials? Find Out Now!
Customizing your Credit Card Experience
HDFC Pixel Play credit card: You select any two of the following five categories:
- Dining, Travel, Entertainment, Shopping, Groceries
- Each category gives you expedited reward points (5x reward are typical), while all other spend more-or-less earn at base level.
AU LIT: You customize your card by turning on benefits such as:
- Airport Lounge access
- Fuel surcharge wave-off
- OTT subscriptions, Netflix, Prime Video
- Accelerated perks for groceries, travel etc.
- You pay for each module, typically ₹49 to ₹299 per month depending on the module.
Who should use it?
HDFC Pixel Play:
- Users that are new to credit cards.
- Users have repeatable spending patterns (dining + entertainment).
- Low-maintenance users wanting to customize.
AU LIT:
- Users interested in lifestyle benefits and fully customizing their card.
- Frequent travelers or those looking for rotating benefits (airport lounge access one month, OTT the next).
- Digital users who actively manage their rewards.
Which is going to save you more money?
- If you have on-going spending of ₹15,000-30,000/month and just want set rewards, Pixel Play is going to be less expensive and much easier.
- If your spending varies from month to month, or you want maximum flexibility (i.e. you only want lounge access when you are traveling), AU LIT can deliver more value, if you actively manage the individual modules.
Final Words
If you want a card with preset rewards, minimal management, and a low annual fee, follow the simple example and get HDFC Pixel Play card. Good option for users with consistent spends in select categories. If you want complete control, enjoy changing benefits according to your lifestyle, and are okay to pay for high-value benefits as needed, choose AU LIT.
Written by Pranjal Data
