HDFC Credit Cards Why I Strongly Recommend Avoiding the HDFC Pixel Credit Card

I want to share my real experience with the HDFC Pixel Credit Card, hoping it helps others make an informed choice. I’ve been using HDFC credit cards for a long time and never expected this kind of service and confusion.


🔻 1.


Low Cashback Value

• Though Pixel claims to give 5% cashback, the real benefit is limited.
  • Cashback is capped at ₹500 per category/month.
  • Even on SmartBuy, the cap is ₹500, while other HDFC cards give ₹1,000–₹2,000 per month.
• 
  
• Worst part: cashback is not credited to your card. You get Pixel Coins, which:
  • Can’t be redeemed until you reach 1,000 coins
  • Don’t have real cashback value
  • Are harder to track and use

🔻 2.


Very Poor Customer Support

• You can’t raise complaints with HDFC Bank directly for Pixel.
• You are forced to use the PayZapp app support, which:
  • Takes 20–30 days to respond
  • Often closes complaints without resolution
  • Has no proper escalation path

Even when I tried contacting HDFC Grievance/Nodal Officers, they just told me to go back to PayZapp support.

🔻 3.


Limit Transfer Problem (Big Issue)

1. While applying for Pixel, I transferred my limit from my MoneyBack card.
2. But it also reduced the limit on my Swiggy and RuPay Biz cards, which wasn’t explained.
3. It took me almost 3 months of back-and-forth to get my limit restored after closing Pixel.
4. This process is tiring — and not everyone will be able to go through it.​

🔻 4.
Confusion in Lifetime Free Offer

• The app said the card was Lifetime Free, but the welcome email showed ₹500 joining + ₹500 annual fee.
• After follow-up, the fee was removed — but this confused many users. Not everyone got the LTF benefit easily.

❌ Final Words – Not Worth It

• Cashback is too limited and hard to redeem
• Support is one of the worst I’ve seen
• Limit transfer is risky and poorly explained
• There are better HDFC cards like Regalia, Millennia, or even basic MoneyBack with more value

💬 My Suggestion:


Avoid this card, especially if you’re applying based on influencer videos or offers. Please read and understand the full terms and think twice before going for Pixel.

 

[RAMESH BABU N]

The true face of HDFC.

Worst product, thru worst channel.

AVOID IT.

 

[rajcasio]

Blinkit & Reliance smart users - 5% rp
Uber & Makemytrip users - 5% rp
Another option (can choose any 2 categories) to the above categories - Zomato & Bookmyshow, Croma & Reliance Digital, Myntra & Nykaa gets 5% rp
Amazon/Flipkart/Payzapp users - 3% rp - for those who don't have APAY
Rupay upi users - 1% rp - for those who don't have other Rupay that gives 1%
A low end card that gives RP for GOVT & Education spends
If you have got it as LTF...you got nothing to lose

If the card doesn't suits you that's OK..but you can't say to avoid it for other peoples

P.S. YES....the customer care is pathetic

 

[RajS]

I closed the card within a month due to cashbacks were not credited properly. Had to fight for restore limit on other cards after closing

 

[purushotham]

I closed my LTF pixel card no use

To accumulate 1000 points it takes many months that to we should use this card everywhere.

Avoid this card

 

[purushotham]

If you are not getting any other HDFC cards then you can give it a try for few months

 

[rajcasio]

I closed my LTF pixel card no use

To accumulate 1000 points it takes many months that to we should use this card everywhere.

Avoid this card

These RP's can be converted and transferred to bank for CASH.
Most of the STUPID cards gives RP's to buy USELESS vouchers that we don't even wanted it in FIRST place.