# PayZapp UPI, Pixel Credit Card — user reviews > 52 indexed App Store user reviews of PayZapp UPI, Pixel Credit Card by HDFC Bank Ltd., rated 4.80/5 from 1,364 ratings. - Source: https://appshunter.io/ios/app/payzapp-upi-pixel-credit-card/id6443480917/reviews - App overview in markdown: https://appshunter.io/ios/app/payzapp-upi-pixel-credit-card/id6443480917.md - Rating breakdown: 5★ 1,208 · 4★ 73 · 3★ 29 · 2★ 15 · 1★ 39 ## What do users think of PayZapp UPI, Pixel Credit Card? Overall sentiment: negative **Cons** - 🚫 Unable to login with US phone number - 🚫 App not working for international customers - 🚫 No option to change country code from default +91 - 🐛 App freezes and crashes - 🚫 Useless for US-based NRI customers **Commonly reported bugs** - App freezes when trying to book international flights - Detecting extra charges on Pixel credit card bills **Most requested features** - Allow login with US phone number for NRE/NRO accounts - Support for international customers and phone numbers ## Newest reviews (13 of 52) ### 3/5 — Two things to rectify *2026-08-05* I have been using PayZapp for a long time, and overall, it is a very useful and convenient app. The widgets, user interface, and reward system make it great to use. However, there are two minor issues that prevent it from being top-notch: 1. Intrusive Pop-up Ads: Every time I open the app to make a quick payment, pop-up ads for loans and credit cards appear. Having to dismiss these ads during urgent transactions is quite frustrating. 2. Transaction Speed & Weak Internet Performance: Compared to Google Pay, PayZapp takes a few seconds longer to process payments. Additionally, when the internet connection is weak, PayZapp struggles significantly to complete transactions, whereas Google Pay handles low-connectivity situations much better. If the team can optimize payment speeds in low-network conditions and minimize intrusive pop-up ads, PayZapp would easily be the best payment app available. **Developer response:** Hi Deepak, can you tell us more about your issue? Please open the PayZapp app and follow: Menu > Help Center > Raise a Ticket, mentioning the reference ID PZ11082600027 to share your feedback. Our team will get back to you shortly! ### 3/5 — Not all countries visible *2026-07-05* Why only a handful of countries are listed and not all the countries where NRI live and work? For example Australia is not included in the list while verifying the phone number **Developer response:** Hi, can you tell us more about your issue? Please open the PayZapp app and follow: Menu > Help Center > Raise a Ticket, mentioning the reference ID PZ06072600012 to share your feedback. Our team will get back to you shortly! ### 1/5 — Not able to login with US number *2025-11-11* What is the point of this app if we are unable to login with USA mobile number for NRE / NRO account **Developer response:** Hi Manoj, let us look into it for you. Could you please share more details about the issue you're facing? We request you to raise a ticket at https://hdfcbk.io/HDFCBK/K/DUvfEXHSZsR and mention your reference ID PZ14112500023. Our team will connect with you at the earliest! ### 1/5 — Buggy App *2025-11-10* Want to share my experience to make the other customers vigilant too. For the past few months, at times when I attempt the payment, it fails with error wrong pin. But when I attempt the 2nd time, the payment goes through. Recently when I was checking the passbook, I find there are duplicate spends in the account, where it happened it transactions where it failed in first attempt. Going through the transactions , I was shocked to see that there are numerous instances this had happened, where by I lost a significant amount of money like this. So please be cautious, when you make payment using PayZapp, because the money that you spend will be at places where you may not be able to go back and claim. For eg: I spent 400 in an airport bus and 350 on taxi. Such scenarios, difficult to find the person and claim it back. **Developer response:** Hi, this is not the experience we want you to have. Could you please share more details about the issue you're facing? We request you to raise a ticket at https://hdfcbk.io/HDFCBK/K/DUvfEXHSZsR and mention your reference ID PZ12112500019. Our team will connect with you at the earliest! ### 1/5 — Too many marketing ads *2025-10-19* This app sends hundreds of marketing messages. I don’t know if that’s illegal but it definitely is very very annoying. They have no business to send back customers marketing messages. **Developer response:** Hi Akash, let us look into it for you. Could you please share more details about the issue you're facing? We request you to raise a ticket at https://hdfcbk.io/HDFCBK/K/DUvfEXHSZsR and mention your reference ID PZ21102500034. Our team will connect with you shortly! ### 3/5 — Nice App but Wallet Lacks Credit Transaction Visibility *2025-10-08* PayZapp is a good app, and it works fast. Earlier, it used to give great cashback offers which made it even better, though now those have stopped. The PayZapp wallet itself is amazing in terms of usability and speed. But here comes the big problem that there is no way to check if any money is credited to the wallet. You can only see debits, not credits. When I contacted customer care, their solution was simply to “keep checking your account balance,” which is ridiculous. No one keeps checking their balance every time, and no one remembers their wallet balance so accurately that they can cross-check it every single time. It is a basic feature that whenever money is credited to the wallet, it should be shown, just like debits are shown. On top of that, when money is debited, the app doesn’t clearly show if it was deducted from the wallet or directly from the main account, everything just gets dumped into the past section with no clarity. This is highly inconvenient and confusing. And the worst part? Customer care just brushed it off saying they are “working on it.” Honestly, I don’t think they are, because this is the most basic functionality that every UPI app already has. It’s frustrating, it’s careless, and it makes the wallet experience pathetic despite how good the app could be. **Developer response:** Hi Mujtaba, we sincerely appreciate you taking the time to share your detailed feedback. Your inputs have been shared with the concerned team for their review and understanding, as they help us identify areas that may need closer attention and ensure we continue improving our services in line with customer expectations. ### 2/5 — Lack of basic info *2025-09-26* I really like using PayZapp for UPI and even bank transfer transactions being my bank’s native app. It provides option for checking month’s itemised expenditures-one of the main reason I switched from Gpay. However, it lacks basic information like for instance if I want to pay a known or unknown contact for the subsequent instances, there’s no history which every known upi app in the market shows which is pathetic as I need to go back to bank statement to prove even the last transaction. Secondly, you’re pushing aggressively to use your PayZapp wallet - my money’s anyways with your bank. So what’s the point in asking to load your wallet by extortion. There are banners everywhere, even it’s selected as default option for each transaction and it’s increasingly difficult to make any transaction in a hurry **Developer response:** Hi Arun, we understand your concern and regret the inconvenience caused to you. Could you please share more details about the issue you're facing? We request you to raise a ticket at https://hdfcbk.io/HDFCBK/K/DUvfEXHSZsR and mention your reference ID PZ30092500036. Our team will connect with you shortly! ### 1/5 — Not working for international users *2025-08-17* App is not moving for international customers…we can’t change the country code …it is +91 by default **Developer response:** Hi Arjun, this is not the experience we want you to have. Can you tell us more about the issue you are facing? Please open the PayZapp app and follow: Menu > Help Center > Raise a Ticket, mentioning the reference ID PZ19082500027. Our team will get back to you shortly! ### 1/5 — Not working for international customer *2025-08-09* The app does not allow the international mobile code by default it allows only India code +91 so international HDFC customers unable to set the code or app configuration on mobile. **Developer response:** Hi, this is not the experience we want you to have. Can you tell us more about the issue you are facing? Please open the PayZapp app and follow: Menu > Help Center > Raise a Ticket, mentioning the reference ID PZ11082500011. Our team will get back to you shortly! ### 1/5 — US Phone number *2025-08-03* How to login if I have Nre account? It launches with default +91 Indian code with no option to change to US code. **Developer response:** Hi, this certainly isn’t the experience we intend for you. Could you please share more details about the issue you're facing? We request you to raise a ticket at https://hdfcbk.io/HDFCBK/K/DUvfEXHSZsR and mention your reference ID PZ07082500005. Our team will connect with you shortly! ### 2/5 — Advertising and Notification App Rather being a Payments App *2025-05-15* PayZapp by HDFC Bank is a colossal disappointment, plagued by an onslaught of intrusive notifications and in-app advertisements that relentlessly bombard users. The barrage of cards and banners feels like a cheap marketing ploy, utterly disregarding user experience. Despite its potential as a convenient payment platform, the app’s aggressive promotional tactics make navigation a frustrating ordeal. Essential features are buried under a clutter of irrelevant offers, rendering the interface clunky and user-unfriendly. HDFC Bank’s insistence on prioritizing revenue over usability is a blatant betrayal of customer trust. This app could be great, but its current state is an annoying, ad-riddled mess. Fix the notification spam and focus on functionality, or risk alienating users entirely. Highly disappointing from a reputed bank. Uninstalling until improvements are made. **Developer response:** Hi, apologies for the inconvenience caused. Our team works relentlessly, to give all our users a seamless experience. We take this as an opportunity to improvise & give you a better experience next time. ### 1/5 — Worst credit card don’t buy *2025-05-15* I have purchased this credit card from HDFC executive when I try purchase a product from Meesho through PayZapp the amount is debited but it’s not credited to merchant and it’s not refunded to me either regarding this I have raised a ticket in this app after 15days they have checked on may 5 and mentioned in the ticket as the hold amount will be reversed but till date the amount is still in due status and after that I have raised another ticket and still it’s in progress more than 2 weeks no one connected regarding this issue for this I have connected to HDFC customer care they are also told me we don’t know about it so pls people don’t purchase this credit card because of their marketing skills you will definitely regret later **Developer response:** Hi Shreeja, we regret the inconvenience caused. Kindly help us with the ticket ID which you may have received for us to look into the matter. ### 1/5 — Pixel Credit Card *2025-05-11* Detecting extra amount in Credit bill, don’t take any HDFC card **Developer response:** Hi, we are here to assist you. Can you tell us more? Please open the PayZapp app and follow: Menu > Help Center > Raise a Ticket, mentioning the reference ID PZ21052500017. Our team will address your concern promptly! ## Most critical reviews (10 lowest-rated) ### 1/5 — App gets crash on launch in the iPhone 13 Pro *2026-09-02* App gets crash on launch in the iPhone 13 Pro. App version is 2.59.3. ### 1/5 — Poor execution *2026-08-03* Shoving it down your customers' throats by making it impossible to make card payments through other methods is an incredibly cheap and an untrustworthy practice. **Developer response:** Hi, can you tell us more about your issue? Please open the PayZapp app and follow: Menu > Help Center > Raise a Ticket, mentioning the reference ID PZ11082600017 to share your feedback. Our team will get back to you shortly! ### 1/5 — App Created without common sense *2026-07-27* Requires data to be turned on. How the hell are people on international trip supposed to activate given sky high data roaming costs? **Developer response:** Hi, can you tell us more about your issue? Please open the PayZapp app and follow: Menu > Help Center > Raise a Ticket, mentioning the reference ID PZ31072600001 to share your feedback. Our team will get back to you shortly! ### 1/5 — Pixel credit card and Payzapp *2026-06-05* I can confidently say that the Pixel Credit Card has been one of the most frustrating banking experiences I’ve ever had. It has been more than a week since I received and activated the card, yet I am still unable to add it to the app, set a PIN, manage transaction controls, or access basic card features. A credit card is supposed to be ready for use after activation, but this card remains practically unusable. What makes the experience even worse is the PayZapp app. The app is unresponsive, fails to recognize the card, and offers little to no assistance in resolving the issue. I have raised multiple support tickets, spent considerable time following up, and repeatedly explained the same problem, but no effective solution has been provided. To make matters worse, I even visited a bank branch seeking assistance, only to find that they were unable to help or provide any meaningful resolution. Being redirected between customer support, the app, and the branch without anyone taking ownership of the issue has been incredibly frustrating. The lack of coordination between the card services, app functionality, customer support, and branch staff is extremely disappointing. Customers should not have to spend weeks chasing support just to perform basic tasks such as setting a PIN or managing their card. I expected a seamless digital banking experience, but instead encountered technical issues, poor support, and endless frustration. My dissatisfaction is beyond measure, and based on my experience so far, I would not recommend this card to anyone until these issues are properly addressed. **Developer response:** Hi, we regret the inconvenience caused. Kindly help us with the ticket ID which you may have received for us to look into the matter. ### 1/5 — Shopping not functional for the last several months! *2026-05-22* Although I have used the Shopping function in the app in the past, it appears to be non-functional for the last several months. I visited the local bank branch and showed the banking officer the issue. She tried it on her phone and was also unable to use Shopping! **Developer response:** Hi Vikram, this is not the experience we want you to have. Please raise a ticket at https://cs.payzapp.hdfcbank.com/plutus/helpcenter/ and quote reference ID PZ25052600027. Our team will look into this right away and get back to you with an update. ### 1/5 — Total useless for NRIs *2026-04-28* What the hell have you restricted to try only 3 attempts? If login is not successful then you ask to wait for 24 hr? Really?? This is extremely frustrating.. what kind of security it is?? You are still using these old school security techniques in AI era? **Developer response:** Hi Priyanjan, this is not the experience we want you to have. Can you tell us more about your issue? Please open the PayZapp app and follow: Menu > Help Center > Raise a Ticket, mentioning the reference ID PZ01052600003 to share your feedback. Our team will get back to you shortly! ### 1/5 — Australian customers *2026-04-10* This app doesn’t have option for Australian customers to add their phone number. **Developer response:** Hi, apologies for the inconvenience caused. Our team works relentlessly, to give all our users a seamless experience. We take this opportunity to forward your feedback to the relevant team. ### 1/5 — Problems not resolved *2026-04-08* My Hdfc pixel play card is block because off I try one my transaction and bank calling me but that time I am receiving call so bank block my card this ok but I try to unblock my card I can’t find solution from bank and call multiple times to customer support they are also not able to help me I am not understanding this problem only for pixal play card but if you give the card you have to provide Solution on card even I go to the branch they are not able to help me so I want say you Hdfc banks. If you are not able to provide problems solutions then stop to given this card I am totally frustrate From your service I am not find any solution and off the day and west my whole day with this problem let’s seen how to figure out this problem and resolve also **Developer response:** Hi, this is not the experience we want you to have. Can you tell us more about your issue? Please open the PayZapp app and follow: Menu > Help Center > Raise a Ticket, mentioning the reference ID PZ10042600006 to share your feedback. Our team will get back to you shortly! ### 1/5 — Bank *2026-03-10* Just one star due to the bankers annoying me to download it every-time i visit the bank for their commission. **Developer response:** Hi, apologies for the inconvenience caused. Our team works relentlessly, to give all our users a seamless experience. We take this opportunity to forward your feedback to the relevant team. ### 1/5 — Useless app for US based NRI *2026-01-05* App does not even allow to login using US phone number. I am not sure what’s the point of publishing the app in US App Store when it’s practically useless. **Developer response:** Hi, this is not the experience we want you to have. Could you please share more details about the issue you're facing? We request you to raise a ticket at https://cs.payzapp.hdfcbank.com/plutus/helpcenter/ and mention your reference ID PZ16012600003. Our team will connect with you at the earliest! ## Most praised reviews (10 highest-rated) ### 5/5 — Good *2026-07-12* Good **Developer response:** Hi, we only achieve greatness with the help of customers like you. Thank you for using PayZapp! ### 5/5 — Easy Great app *2026-07-08* Great **Developer response:** Hi, we only achieve greatness with the help of customers like you. Thank you for using PayZapp! ### 5/5 — Great App. *2026-06-16* Great app. But it has a biggest security issue in my cards tab. The Find My HDFC Card option loads all the cards linked with the mobile number. Upon loading the cards the card details like card number and expiry date is not encrypted. Should have some added security to view the card details . Also the set/reset pin option should have some added security. In current scenario if the user mobile is lost and if someone has unauthorised access to PayZapp that person can easily view the card details and change pin. Either remove this option and always ask user to enter card details and add card or please add some added security. **Developer response:** Hi, thank you for sharing your valuable feedback with us. We have noted your suggestions and will thoroughly review them as part of our enhancement process. Your input plays a crucial role in driving meaningful improvements. ### 5/5 — PayZapp *2026-05-05* I use PayZapp for Quite some time and found user friendly **Developer response:** Hi, we only achieve greatness with the help of customers like you. Thank you for using PayZapp! ### 5/5 — Food *2026-04-06* Good **Developer response:** Hi Mccarryn, we only achieve greatness with the help of customers like you. Thank you for using PayZapp! ### 5/5 — Super money *2025-11-21* Faster than any other app **Developer response:** Hi Srinivaas, we only achieve greatness with the help of customers like you. Thank you for using PayZapp! ### 5/5 — Unable to book flight ticket *2025-06-01* Trying to book international flight ticket while I am in the US using the app. It gets frozen while trying to enter the passenger info. **Developer response:** Hi Parag, this is not the experience we want you to have. Can you tell us more regarding your issue? Kindly raise a ticket by visiting the link https://cs.payzapp.hdfcbank.com/plutus/helpcenter/ and include your reference ID PZ04062500004. Our team will get back to you at the earliest! ### 5/5 — Payment *2025-05-11* Excellent! Keep it up. **Developer response:** Hi Asandhya, we are glad PayZapp provides you a convenient and a complete payment solution. Thank you for your valuable feedback! ### 5/5 — Hdfc Jogeshwari banker Shruti *2025-03-13* I recently had the pleasure of working with an HDFC banker, and I must say that the experience exceeded my expectations. The banker was exceptionally professional, knowledgeable, and attentive to my needs. Right from the initial consultation, they took the time to explain the products and services in detail, ensuring I understood all the available options. What stood out the most was their promptness in responding to my queries. Whether it was through email, phone calls, or in-person meetings, they were always available and provided clear and concise information. They helped me with everything from account management to understanding loan options and investment strategies, always offering practical solutions tailored to my financial goals. Additionally, the banker displayed a high level of patience and understanding, especially when I had multiple questions or concerns. They made sure I felt comfortable and informed throughout the process, and there was no rush to make decisions. Overall, my experience with HDFC’s banking services has been positive, thanks in large part to the excellent service provided by the banker. I would highly recommend them to anyone looking for reliable and customer-centric banking services. **Developer response:** Hi, thanks a lot for showing trust in us. We assure you to render our best services to you always. ### 5/5 — Bank make sure on 1st try transaction must be done *2024-10-23* I tried to pay my credit card bill through PayZapp app. Even my all limits r set perfectly but still app declined me 3 times and I have to call 2 times to customer care for solve . Even they could not understand that where is the difficult. They told some officer will contact me. And then I tried again and suddenly payment done . I made sure that my Internet is okay and all things from my side are cleared . So why we have to feel stuck . Bank must make smooth . **Developer response:** Hi Suman, we understand your concern. For assistance, please share the issue details along with your registered number by going to this link hdfcbk.io/k/DUvOdz2tXgH Kindly add in your ref ID PZ25102400005 in the comment box so we can get back to you on your registered email ID with a resolution. --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-14.*