Why Apply for PIXEL Credit Card?

10 September, 2024

Synopsis

• The PIXEL Credit Card is a truly virtual Credit Card you can apply for on PayZapp.

• You can completely manage the PIXEL Credit Card through PayZapp.

• You can customise the card and stand to earn cashback.
  
  

HDFC Bank brings to you two new cards, the PIXEL PLAY Credit Card by HDFC Bank and the PIXEL GO Credit Card by HDFC Bank. You can apply for the cards through HDFC Bank’s PayZapp. These cards are completely virtual cards, that are also customisable. You can apply for the card whether or not you hold an account with the bank. The card comes with exclusive rewards on a wide range of payments, including shopping and dining. If you’re still not sure whether you should get the card, here are reasons why to apply for a PIXEL Credit Card.

Why Apply for PIXEL Credit Cards

Consider the following features and benefits of the PIXEL Credit Card:

• Virtual Card Benefit 
  PIXEL Credit Cards are truly virtual Credit Cards. You apply for the card and manage it through PayZapp. Virtual cards can be convenient as they allow for relatively faster issuance and easy management. They can minimise the risk of fraud and unauthorised transactions. Also, since the card does not take a physical form, you get instant access to the card after its issuance.
  
  

• Ability to Build Your Own Credit Card
  The PIXEL Credit Cards provide you with the ability to the card on your own. You can choose the colour of the card. You can also choose a preferred billing date. This way, you can align the date with your cash flow and avoid interest charges or late payments. Plus, you can select preferred merchant payments to earn cashback.
  
  

• Easy Management
  Everything from card application, management and spends controls can be done through one application, i.e., PayZapp. You can also check account statements and manage CashPoint redemption.
  
  

• Quick Application Process 
  To apply for the card, you simply need to download and register for PayZapp, apply for the PIXEL Credit Card and complete the verification process. If you’re an existing HDFC Bank Accountholder, the app will retrieve your details automatically, reducing the application process time.
  
  

• Instant Issuance 
  Once you’re approved for the PIXEL Credit Card, the card is instantly issued. You can start making online and offline payments immediately, without any waiting period.
  
  

• Customisable Offers 
  With the PIXEL PLAY Credit Card by HDFC Bank, you can select any two packs of merchants to earn 5% cashback. You can choose categories like dining & entertainment, electronics, fashion, grocery or travel. You can also select any one e-commerce merchant to earn 3% cashback. You can change the merchant choice once every three months.
  
  

• Card Control
  You can set limits for your card from the app. You can enable and disable various transaction limits including online spends, in-store spends, international transactions, etc.
  
  

• Convenient Online/In-Store Payments
  You can use your PIXEL Credit Card details, viz., card number, expiry and CVV to pay online, whether it’s shopping or paying bills. Plus, you can pay with a single swipe without waiting for OTPs. The Tap and Pay feature of the card allows you to pay in stores. All you have to do is tap your phone on a near-field communication (NFC)-enabled device. You make contactless payments of up to ₹5,000 per transaction.
  
  

• Flexible EMI Conversion 
  You can easily convert your Credit Card spends into flexible low-cost EMIs. This allows you to break down high-value spends or the outstanding balances into smaller, manageable payments over a fixed period. This makes it a cost-effective way to finance significant expenses without having to pay the full amount upfront.
  
  

• Monitor & Analyse Spends
  PayZapp allows you to monitor your spends via card statements. The Spend Analyzer can help you track your spends anytime, anywhere.
  
  

• Easy CashPoint Tracking and Redemption
  You can view and redeem your PIXEL Credit Card rewards points via PayZapp. You can redeem the points from the Rewards Page on the PIXEL Credit Card homepage. The redeemed CashPoints are transferred to the PayZapp CashPoint account.
  
  

• Dining Offers
  You can save up to 25% (up to ₹300) on the PIXEL Credit Cards via the Swiggy Dineout app. Note that this offer is valid till 31st December 2024.
  
  

• In-App Help Centre
  Any query you have pertaining to your transactions or other issues can be raised from the app itself. Tap on ‘?’ in the top right corner and raise your query.
  
  

Final Note

Now that you know why you should apply for a PIXEL Card, you can start your application process via PayZapp. Launch PayZapp > Tap on ‘Apply for PIXEL Credit Card’ > Fill in the application form as instructed > Verify the details and wait for approval.

Apply now

*Disclaimer: Terms and conditions apply. The information provided in this article is generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. Credit Card approvals at the sole discretion of HDFC Bank Limited. Credit Card approvals is subject to documentation and verification as per Bank's requirement. Interest rates are subject to change. Please check with your RM or closest bank branch for current interest rates.