एचडीएफसी पिक्सेल प्ले क्रेडिट कार्ड
जारीकर्ता बैंक / संस्था: HDFC Bank Ltd.
Customizable digital credit card inside PayZapp letting users pick their favorite 2 merchants for 5% cashback with 1:1 cash redemption.
💳कार्ड विवरण एवं मुख्य लाभ (Card Overview & Benefits)
कार्ड का संक्षिप्त विवरण
HDFC Pixel Play is India's first digital-native customizable credit card engineered inside the PayZapp app. Targeted at Gen-Z digital spenders, it allows users to choose their favorite 2 merchants (such as Amazon, Zomato, or Swiggy) to earn 5% cashback with 1:1 statement redemption value.
500 Pixel CashPoints credited upon completing first transaction on PayZapp within 30 days of card issuance.
No complimentary airport lounge access is included on this digital-first card.
1% fuel surcharge waiver across all fuel stations in India on transaction amounts between ₹400 and ₹5,000 (maximum waiver of ₹250 per statement cycle).
Annual fee reversal on ₹1,00,000 annual spend. Custom merchant category re-selection every quarter via PayZapp app.
📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)
पात्रता की शर्तें
Indian nationals aged 21 to 40 years with minimum gross monthly income of ₹25,000 (Salaried) or annual ITR of ₹4,50,000 (Self-Employed).
न्यूनतम वार्षिक आय आवश्यकता
₹25,000/month (Salaried) / ₹4,50,000/year ITR (Self-Employed)
📂आवश्यक दस्तावेज (Required Documents)
1. PAN Card (statutory requirement) 2. Proof of Identity & Residence: Aadhaar Card (mandatory for instant e-KYC) 3. Proof of Income: Last 3 months' salary slips with bank statement OR Latest ITR with Computation Sheet 4. Digital selfie captured during in-app V-KYC.
⚠️क्या कमी है / महत्वपूर्ण शुल्क चेतावनियां (Honest MITC Disclosures & Hidden Costs)
Requires active usage of the PayZapp mobile app to manage reward categories. 5% cashback is capped at ₹500 per month per category. No airport lounge access. Forex markup of 3.50% applies on international spends.
🚀आवेदन के चरण (How to Apply)
Step 1: Download and open the HDFC PayZapp app on mobile. Step 2: Tap on 'Pixel Credit Cards' and enter PAN and mobile number. Step 3: Choose your preferred card design and select your 2 top 5% cashback merchants. Step 4: Enter employer details and monthly income. Step 5: Complete instant Aadhaar OTP e-KYC and digital video verification. Step 6: Digital card is issued instantly in PayZapp for UPI and e-commerce; physical card follows in 3 days.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
What happens if I miss the minimum payment due on HDFC Pixel Play Credit Card?
If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹500 for ₹501–₹1,000; ₹600 for ₹1,001–₹5,000; ₹800 for ₹5,001–₹10,000; ₹1,100 for ₹10,001–₹25,000; ₹1,300 for above ₹25,000 (+ GST).. In addition, revolving finance charges at 3.60% per month (43.20% per annum) on revolving balances. will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.
Can I convert transactions on HDFC Pixel Play Credit Card into EMI?
Yes, HDFC Bank Ltd. provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.
How do I track and redeem reward points or cashback on HDFC Pixel Play Credit Card?
You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into HDFC Bank Ltd.'s official mobile banking application or web portal. 1 CashPoint = ₹1.00 directly redeemable against PayZapp wallet or card statement balance. Please note: CashPoints expire 2 years (24 months) from the date of accrual.
What is the interest-free grace period on HDFC Pixel Play Credit Card and how does it work?
The interest-free period on HDFC Pixel Play Credit Card is Up to 50 days of interest-free credit from transaction date.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (3.60% per month (43.20% per annum) on revolving balances.) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.