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HDFC Pixel query

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TF Select
I have two queries.
1. Do I have to go through physical/virtual verification for this card?
2. It listed that in PayZapp this card will give 3% as e-commerce category. Does it mean I will get 3% cashback in utility bill payments through PayZapp and 8% cashback in buying brand voucher using smart buy?
 

1. Depends on whether you already have HDFC card or any changes in address. May or maynot
2. 3% in utility bills - Yes, but limit is per month 500 (=16k), 8% brand voucher - No, do check above pdf about exclusions. Page #5 for TnCs.

Its better to apply Millennia, honestly.
I applied for Millennia and requested them to close my Tata Neu. But incase they aren't going to provide me the same, I will request for Pixel.
So for gift voucher using smart buy I can get 5%.
 
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