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  • HDFC Bank Easy EMI Card

  • We found 1 HDFC Bank EasyEMI Credit Card
    Card
    1st Year Fee
    Rewards
    Joining Perks
    PA PL OTP
    Reduced to 0 On completing 2 transactions in a month for first 3 consecutive months or spending 20,000 in 90 days 500
    What you'll love
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    Fee Details

    HDFC Bank Easy EMI Card gives you easy and quick EMI conversions and cashbacks. The first-year membership fee is Rs.1000.

    Key Highlights of the HDFC Bank Easy EMI Card

    HDFC Bank Easy EMI credit card has a number of unique features such as:

    • Auto conversion of transactions on and above Rs. 10,000 into 9-month easy EMIs
    • Numerous cashback benefits on online and offline spends as well as wallet reloads
    • CashPoints can be redeemed at the SmartBuy Rewards Portal against travel and hotel bookings
    • Contactless payment technology for fast, secure, and convenient payments (for transactions up to Rs.2000)
    • 1000+ merchants provide EasyEMI offers

    Other HDFC Bank Credit Cards

    Features and Benefits of the HDFC Bank Easy EMI Card

    The important features and benefits of HDFC Bank Easy EMI credit card are listed below:

    Welcome Benefits

    • Waiver of first year membership fee if transactions worth Rs. 20,000 is made in the first 3 months
    • Waiver of renewal membership fee if Rs. 50,000 worth is spent in the first year
    • On payment of membership fee, get 500 CashPoints as welcome or renewal benefit

    Milestone Benefits

    • Get Rs.1,000 worth gift vouchers on spends of Rs.1 lakh and above in each calendar quarter, for the first year only.

    Fuel Benefits

    • Fuel surcharge waiver of 1% for minimum Rs.400 transactions, maximum Rs.250 cashback per statement cycle.

    Cashback Benefits

    • 1% Cashback on offline spends, wallet reloads, POS spends, etc., up to Rs.750 per month
    • 2.5% Cashback on online spends (on apps other than SmartBuy and PayZapp) up to Rs.750 per month
    • 5% Cashback on spends via SmartBuy and PayZapp up to Rs.750 per month (for minimum Rs.2000 transactions)

    HDFC Bank Easy EMI Card Limit

    The credit card limit for HDFC Bank Easy EMI credit card will be decided by the bank. There are number of factors which are taken into consideration to decide the credit limit which will be offered to an individual. Some of these factors are credit score, credit history, and annual income of the applicant. The credit limit differs from customer to customer.

    HDFC Bank Easy EMI Card Fees and Charges

    Type of Charge Amount
    Joining fee Rs.500
    Renewal fee Rs.500
    Minimum repayment amount 5% or a maximum of Rs.200
    Cash withdrawal fee 2.5% of the withdrawn amount (Minimum Rs.500)
    Cash advance limit 40% of the credit limit
    Rewards redemption fee NIL
    Add-on cards charges NIL
    Foreign currency mark-up fee 1.99%
    Late payment charges
    • Less than Rs.100 - Nil
    • Rs.100 to Rs.500 - Rs.100
    • Rs.501 to Rs.5,000 - Rs.500
    • Rs.5,001 to Rs.10,000 - Rs.600
    • Rs.10,001 and 25,000 - Rs.800
    • Rs.25,000 to Rs.50,000 - Rs.1,100
    • Over Rs.50,000 - Rs.1,300
    Over limit charges 2.5% of the over the limit amount (Min. of Rs.550)
    Cash processing fee Rs.100 per transaction
    Payment return charges 2% of the payment amount (Minimum of Rs.450)
    Card re-issuance charges Rs.100 per instance
    Duplicate statement Rs.10

    Eligibility Criteria for HDFC Bank Easy EMI Card

    The eligibility criteria for the HDFC Bank Easy EMI credit card is as follows:

    Criteria Requirement
    Age

    Minimum - 21 years and maximum 65 years (for self-employed)

    Minimum 21 years and maximum 60 years (for salaried individuals)

    Income

    Rs.6 lakh per annum in ITR (for self-employed)

    More than Rs.10,000 per month for salaried individuals

    Documents Required to Apply for HDFC Bank Easy EMI Card

    The following documents will be required to be produced in order to apply for an HDFC Bank Easy EMI Card:

    • Proof of identity: Driving licence, PAN card, passport, voter’s ID card, Aadhar card
    • Photograph: Recent passport-sized photograph of the applicant
    • Proof of address: Electricity bill, driving licence, post-paid mobile phone bill, passport, PAN card, Aadhar card, telephone bill, voter’s ID card
    • Proof of income: Income tax returns (ITR), latest salary slips, Form 16
    • Proof of age: Birth certificate, voter’s ID card, passport, school certificate (10th standard)

    The list of documents is subject to the bank’s requirement. You might be required to provide additional documents as per the requirement of the bank.

    How to Apply for the HDFC Bank Easy EMI Card

    You can apply for a HDFC Bank Easy EMI Card by following the steps mentioned below:

    1. Visit the official website of HDFC Bank www.hdfcbank.com
    2. Click on the ‘Apply Now’ tab from the top menu.
    3. Click on the ‘Credit Card’ option from the drop-down menu.
    4. You will be required to fill up your personal details such as first name, last name, mobile number, and PAN number on the next page.
    5. Fill up the Captcha code and tick the box to authorise the bank and its representatives to get in touch with you.
    6. Click on the ‘Submit’ button.

    The representatives of the bank will get in touch with you shortly.

    FAQs on HDFC Bank Easy EMI Card

    1. After applying for the credit card, how do I know what the status of my application is?

      You can track HDFC credit card application status by giving your 16-digit application reference number and your mobile number or application form number or date of birth along with your registered mobile number at https://www.hdfcbank.com/personal/credit_card/cc_track.

    2. What merchant categories can the card be used in?

      It can be used for travel, movie tickets, shopping, apparels, and all other merchant categories.

    3. What is the interest-free credit period?

      The interest-free credit period can range between 20 to 50 days depending on other factors, providing the previous month’s balance has been paid in full.

    4. Can I convert transactions below Rs.10,000 to EasyEMI?

      Only transactions above Rs.10,000 can be converted into the EasyEMI option.

    5. How is the interest calculated?

      The interest is calculated using the following formula: Outstanding amount x 3.4% pm x 12 months x number of days/365

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