HDFC Pixel Play vs Myntra Kotak
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
Myntra Kotak Credit Card wins 4 of 8 dimensions with a CardTrail Score of 7.8/10 vs 6.9/10.
| Feature | HDFC Pixel Play | Myntra Kotak |
|---|---|---|
| CardTrail Score | 6.9/10 | 7.8/10 |
| Annual Fee | ₹500 | ₹500 |
| Base Reward Rate | 1% | 1.25% |
| Max Reward Rate | 5% | 7.5% |
| Forex Markup | 3.5% | 3.5% |
| Domestic Lounges | 0 | 1 |
| International Lounges | 0 | 0 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa | Visa |
When to Choose HDFC Pixel Play
- You can meet the fee waiver condition: Spend ₹1L/year
- Your primary spend is: shopping, general
When to Choose Myntra Kotak
- You can meet the fee waiver condition: Spending Rs. 2 lakh in a year
- You want higher rewards — up to 7.5% vs 5%
- Airport lounge access matters — 1 domestic visits
- Your primary spend is: shopping, cashback
Annual Fee Value Analysis
To break even on HDFC Pixel Play's ₹500 fee at 1% rewards, spend ₹4,167/month.
To break even on Myntra Kotak's ₹500 fee at 1.25% rewards, spend ₹3,333/month.