1 pt / ₹100 · Up to 3 pts / ₹100 on Indigo
Strong data Pairwise comparison
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Axis Bank IndiGo vs HDFC Bank PIXEL Play Credit Cards – Fees, Lounge, Forex
Side-by-side comparison of the Axis Bank IndiGo and the HDFC Bank PIXEL Play. Verify fees, lounge access, forex markup, and base rewards before you apply.
The short answer
VerdictPick IndiGo for lounge access.
Head-to-head
Three core metrics- Annual fee PIXEL Play saves ₹299/yrIndiGo ₹799 Annual-fee waiver not offeredPIXEL Play ₹500 Waivable at ₹1,00,000 spend
- Forex markup IndiGo 3.5%PIXEL Play 3.5%
- Domestic lounge IndiGo: +4 lounge visits/yrIndiGo 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹50,000 spend in the previous 3 calendar monthsPIXEL Play No complimentary lounge access
Reward earning explained
Per card1% · Up to 5% on Selected categories
Strong dataPick based on what matters
3 dimensionsStart with the constraint you care about most: annual fee (Axis Bank IndiGo: ₹799 vs HDFC Bank PIXEL Play: ₹500), forex markup (3.5% vs 3.5%), or lounge access (4/year (1 per quarter) vs No complimentary lounge access).
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Forex markup Tie Both cards are similar for forex
Forex markup is 3.5%.
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Lounge access Axis Bank IndiGo wins Axis Bank IndiGo is better for lounge access
Axis Bank IndiGo is stronger here. Domestic lounge access is 1 per quarter.
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Rewards Insufficient data Insufficient data to compare rewards
Available evidence is incomplete: Axis Bank IndiGo is not safely INR-comparable (no usable point value). HDFC Bank PIXEL Play conservative base value ~1% per ₹100.
All fields
Example usage at this monthly spend
At ₹50k/month spend:
- PIXEL Play: ~₹500/month at base rate
- IndiGo Axis Bank: Base earn not clearly specified
Illustrative only, using current base rates before caps.
| Field | IndiGo Axis Bank | PIXEL Play HDFC Bank |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits spend-gated on some cards — see caveats 4/year (1 per quarter) vs No complimentary lounge access | 4/year (1 per quarter) | No complimentary lounge access |
| Forex / International Use | ||
| Forex markup | 3.5% | 3.5% |
| Fees | ||
| Recurring annual fee ₹799 vs ₹500 | ₹799 | ₹500 |
| Annual-fee waiver Not offered vs ₹1,00,000 | Not offered | ₹1,00,000 |
| Monthly interest rate | 3.75% / month | 3.75% / month |
| Late-payment charge Only available for PIXEL Play | Not specified | ₹100–₹1,300 depending on outstanding balance |
| Fuel benefit 1% surcharge waiver · ₹400–₹4,000 transactions · ₹400/month waiver cap vs 1% surcharge waiver · ₹400–₹5,000 transactions · ₹250/month waiver cap · Fuel rewards excluded | 1% surcharge waiver · ₹400–₹4,000 transactions · ₹400/month waiver cap | 1% surcharge waiver · ₹400–₹5,000 transactions · ₹250/month waiver cap · Fuel rewards excluded |
| Rewards | ||
| Base earn 1 pt / ₹100 vs 1% | 1 pt / ₹100 | 1% |
| Conservative base value Not safely INR-comparable vs ~1% | Not safely INR-comparable | ~1% |
| Earn ceiling 750 points per statement cycle; at 2 pts / ₹100, this lane reaches the cap at ₹37,500 of eligible spend vs ₹15,000 per month | 750 points per statement cycle; at 2 pts / ₹100, this lane reaches the cap at ₹37,500 of eligible spend | ₹15,000 per month |
| Point validity Only available for PIXEL Play | Not specified | 2 years |
Notes
- IndiGo Axis Bank Credit Card: Condition: ₹50,000 spend in the previous 3 calendar months
- Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.
Axis Bank IndiGo
Verify with issuer , opens external siteHDFC Bank PIXEL Play
Verify with issuer , opens external site