Pixel Credit Card (PayZapp) Review 2026 — Fees, Rewards & Eligibility
By Credit Card Hunt Editorial Team
Issuer: HDFC Bank
Network: Visa | Tier: Entry
The Pixel Credit Card (PayZapp) is an Entry Visa credit card issued by HDFC Bank, best suited for digital users. It carries a joining fee of NIL, with an interest rate of 3.49% per month. Key benefits include App-based customizable rewards and Custom cashback. On fees — No airport lounge access; Foreign transaction markup: 0%. Applicants typically need ₹2,50,000/year to qualify. It falls under the Digital and Shopping category on CreditCardHunt.
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Why Choose the Pixel Credit Card (PayZapp)?
The Pixel Credit Card (PayZapp) is a Entry-tier Visa credit card issued by HDFC Bank, rated 4.4/5 by the Credit Card Hunt editorial team. It is best suited for Digital users. With a reward rate of Custom cashback and an annual fee of NIL, it ranks among the popular Digital cards in India in 2026.
New cardholders are welcomed with None, which adds immediate value in the first year.
Pixel Credit Card (PayZapp) Fees & Charges
| Annual Fee | NIL |
|---|---|
| Joining Fee | NIL |
| Interest Rate | 3.49% per month |
| Foreign Markup | 0% |
| Fuel Surcharge Waiver | None |
Pixel Credit Card (PayZapp) Rewards & Benefits
| Reward Rate | Custom cashback |
|---|---|
| Welcome Bonus | None |
| Lounge Access | None |
| Best For | Digital users |
Key Highlights of the Pixel Credit Card (PayZapp)
- App-based customizable rewards
- Custom cashback
Pixel Credit Card (PayZapp) Eligibility Criteria
- Age: 18-60 years
- CIBIL score: 700+
- Minimum income: ₹2,50,000/year
Minimum Income Required: ₹2,50,000/year
Advantages of the Pixel Credit Card (PayZapp)
- No annual fee — a built-in advantage for cardholders.
Drawbacks of the Pixel Credit Card (PayZapp)
- Before applying, factor in limited features.
Pixel Credit Card (PayZapp) — Frequently Asked Questions
What is the annual fee of the Pixel Credit Card (PayZapp)?
The Pixel Credit Card (PayZapp) has an annual fee of NIL and a joining fee of NIL. New cardholders receive None as a welcome benefit, which helps offset the joining cost.
Does the Pixel Credit Card (PayZapp) offer airport lounge access?
No, the Pixel Credit Card (PayZapp) does not include complimentary airport lounge access. If lounge access matters to you, compare travel cards on CreditCardHunt.in.
Who is eligible for the Pixel Credit Card (PayZapp)?
The minimum income requirement is ₹2,50,000/year. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the Pixel Credit Card (PayZapp)?
The Pixel Credit Card (PayZapp) earns Custom cashback. It is best suited for Digital users.
Official sources for this review
Fees, rules and limits described above are governed by the primary sources below.
- RBI Master Direction — Credit Card and Debit Card Issuance and Conduct Directions, 2022 — Reserve Bank of India
- Department of Financial Services — Banking Division — Ministry of Finance, Government of India
- Consumer Financial Decision-Making research — Wharton School, University of Pennsylvania
- Tax Collected at Source on Liberalised Remittance Scheme transactions — Income Tax Department, Government of India
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- Read our credit card guides & FAQ.
Expert Rating: 4.4/5