Home/Compare/HDFC Millennia Credit Card vs HDFC Pixel Play Credit Card

HDFC Millennia Credit Card vs HDFC Pixel Play Credit Card

Detailed side-by-side comparison to help you pick the right card for your needs.

Our Recommendation

HDFC Pixel Play Credit Card wins 3 out of 4 comparison categories.

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⭐ Recommended

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Side-by-Side Comparison

Annual Fee
₹1,000
Lifetime Free Winner
Joining Fee
₹1,000
Free Winner
Fee Waiver
Waived on 1L spend
Cashback Rate
Up to 5%
Up to 5%
Reward Rate
5% on Amazon, Flipkart, Swiggy
5% on 2 merchants of your choice
Lounge Access
8 lounge visits
No
Welcome Bonus
1000 CashPoints
Min. Income
₹35,000/mo
₹25,000/mo Winner
Credit Score
720+
700+ Winner
Best For
Online shoppers
Gen-Z & App users

HDFC Millennia Credit Card

What we love

  • 5% on top brands
  • Cashback as statement credit
  • Lounge access

Keep in mind

  • Upper cap on rewards

HDFC Pixel Play Credit Card

What we love

  • Customizable 5% merchants
  • Digital first
  • Lifetime Free

Keep in mind

  • App only management

Frequently Asked Questions

Which is better: HDFC Millennia Credit Card or HDFC Pixel Play Credit Card?

Based on our analysis, HDFC Pixel Play Credit Card is the better choice with advantages in 3 out of 4 comparison categories including fees and rewards. However, HDFC Millennia Credit Card may be better if your spending aligns with its specific benefits like online shoppers.

What is the annual fee difference?

HDFC Millennia Credit Card has an annual fee of ₹1,000 (Waived on 1L spend), while HDFC Pixel Play Credit Card costs zero (Lifetime Free) per year.

Can I apply for both cards?

Yes! There's no restriction on holding multiple credit cards from different banks. Many savvy users hold both types to maximize rewards across different spending categories.