HDFC Bank Easy EMI Card gives you easy and quick EMI conversions and cashbacks. The first-year membership fee is Rs.1000.
HDFC Bank Easy EMI credit card has a number of unique features such as:
Other HDFC Bank Credit Cards
The important features and benefits of HDFC Bank Easy EMI credit card are listed below:
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.
|Type of Charge||Amount|
|Joining fee||Rs. 500 plus taxes (waived if Rs. 20,000 is spent in first 3 months)|
|Annual renewal fee||Rs. 500 plus taxes (waived if Rs. 50,000 is spent in the first year)|
|Finance charges||Up to 20% per annum for transactions above Rs.10,000|
|Cash advance transaction fee||2.5% of the cash amount subject to a minimum of Rs.500|
|Over-limit penalty||2.5% of the cash amount subject to a minimum of Rs.500|
|Late payment charges||
The eligibility criteria for the HDFC Bank Easy EMI credit card is as follows:
Minimum – 25 years and maximum 65 years (for self-employed)
Minimum 25 years and maximum 60 years (for salaried individuals)
|Gross Monthly Income||
6.0 Lakh per annum in ITR
Rs. 10,000 for salaried individuals
The following documents will be required to be produced in order to apply for an HDFC Bank Easy EMI Card:
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.
You can apply for a HDFC Bank Easy EMI Card by following the steps mentioned below:
The representatives of the bank will get in touch with you shortly.
You can track the status of your credit card application 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.
It can be used for travel, movie tickets, shopping, apparels, and all other merchant categories.
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.
Only transactions above Rs.10,000 can be converted into the EasyEMI option.
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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