Got Pixel Card LTF offer via PayZapp?Should I take It?

Payment Wallets
1

I just received an LTF offer for the Pixel Card via PayZapp. This would be my first credit card, and the no-fee angle is tempting.

Before I apply, I have a few doubts:

Is the Pixel Card a good “core” card for long-term use and credit building? Or more of a fintech gimmick?

Will holding the Pixel affect my chances of getting premium cards (like Millennia, Regalia, Infinia) from HDFC later?

Is it better to just wait, or grab this LTF card for now to start building my credit profile?

Any real-world experience with the Pixel/PayZapp combo would help. Thanks in advance!

2

Hello there @Shivam. Actually this depends a lot on thing like i want to tell you about my on incident
Like So I was recently looking to buy a laptop that had a ₹7.5K instant discount on using the Pixel Card with a 12-month EMI. I do have an HDFC credit card, but not having the Pixel meant I missed out on that deal—which honestly stung.
This is list of Pro’s and Con’s I Curated for Pixel card
Pros:

  1. LTF (Lifetime Free) is rare—worth grabbing if truly zero-fee.

  2. Instant digital usage via PayZapp (virtual card available immediately).

  3. Decent cashback at select merchants and spends.

  4. Helps build your credit history with CIBIL/Experian.

Cons:

  1. Not the best long-term rewards structure.

  2. Limited offline perks (e.g., no lounge access, fuel waiver, insurance etc.).

  3. Relies heavily on PayZapp ecosystem, which is still improving (many users complain it’s clunky, though improving fast).

If you’re considering the Pixel, just know that it’s great for offers like these, especially on electronics and big-ticket purchases.