HDFC Bank Introduces Pixel: A New Generation of Digital Credit Cards


Bank’s first comprehensive digital credit card range with customizable and fully app-based offering, built on a start-to-finish DIY platform

Mumbai: HDFC Bank, India’s leading private sector bank, announced the launch of ‘PIXEL’ – its first end-to-end mobile app-based customizable, DIY digital card range designed for Digital Natives. PIXEL is tailored for a generation characterized by digital fluency, unique preferences, and distinct financial behaviors. PIXEL is a first-of-its-kind range of digital credit card series that offers seamless app-based issuance, complete digital lifecycle management, user engagement, and digital servicing.

Furthermore, through PIXEL, the Bank gives the power of customization and choice to customers, by enabling them to select their preferred categories and favorite merchants/platforms such as Zomato, Myntra, BookMyShow, MakeMyTrip, Amazon, and Flipkart, among others. By doing so, customers can earn attractive accelerated cashback on their spending from these merchants/platforms. Both current and new customers can apply for PIXEL credit cards through the PayZapp mobile application of the Bank.

Key features:

1. Customization for Maximum Value:

  • Choice of merchants to earn 5% cash back on Dining & Entertainment, Travel, Fashion, Electronics and Grocery
  • Choice of online platforms to earn 3% cash back – Amazon / Flipkart / PayZapp and Unlimited 1% cash back on other spends
  • Choice of vibrant card colors and billing dates to choose from
  • Choice of re-payments from making full or Pay-in-Parts with low-cost EMIs

2. Convenience and Easy Accessibility: 

  • Seamless digital onboarding with instant digital card issuance, allowing instant online and offline shopping with Tap & Pay
  • PIXEL offers the power of complete control from PayZapp, including card control settings, customizations, real-time tracking on spends, rewards, EMI’s, statements, and re-payments
  • Completely digital customer service support, available 24×7

PIXEL will be offered in 2 variants – PIXEL Play and PIXEL Go. Both the card variants offer up to 50 days 50-day credit-free period. PIXEL Play is a ‘Build Your Own Card’ variant of the PIXEL range of credit cards. It offers customizable benefits, giving customers the power to select merchants to earn accelerated cashback, card color, as well as billing date. The card is aimed at users who are looking to enter the world of digital customization while experiencing the benefits of a credit card.

PIXEL Go is a card for beginners looking to enter the world of credit cards and build their credit scores with the flexibility of payments through Pay-in-Parts. The HDFC Bank PIXEL credit card range is being launched on the Visa payment network. The PIXEL card range will soon be accessible on additional card networks too. Zeta, a next-gen banking tech company, has partnered with the Bank to become the technology provider for PIXEL.

Speaking at the launch ceremony, Mr. Parag Rao, Country Head – Payments, Liability Products, Consumer Finance & Marketing said, “PIXEL represents a pivotal shift in our approach to banking solutions, crafted to resonate with Digital Natives. At HDFC Bank, we are excited to introduce this digital-first credit card that offers flexibility and customisation. With PIXEL, we are not just launching a product, we are shaping the future of digital banking, ensuring our offerings are as dynamic and innovative as the customers we serve.”

Mr. Sandeep Ghosh, Group Country Manager, India and South Asia said, “We are excited to deepen our partnership with HDFC Bank with the PIXEL credit cards initiative, a testament to our digital-first, customer-centric approach to payment innovation. Backed by the trust consumers place in both HDFC Bank and Visa, this range of cards enhances the banking experience and empowers today’s digital consumer with unparalleled flexibility and seamless personalization.”

Mr. Ramki Gaddipati, CEO of APAC and Global CTO, Zeta added, “Zeta is privileged to deliver on HDFC Bank’s vision to power the next generation of credit cards in India. From the completely digital application-to-issuance journey to real-time card controls, PIXEL leverages Zeta’s modern core banking and payments processing platform – Tachyon – to power many unique credit card experiences. It leapfrogs card products built using legacy technology and raises the bar for digital-native credit cards globally.”

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