HDFC Bank Easy EMI Card gives you easy and quick EMI conversions and cashbacks. The first-year membership fee is Rs.500 + Applicable Taxes.
Details
HDFC Bank Easy EMI credit card has a number of unique features such as:
The important features and benefits of HDFC Bank Easy EMI credit card are listed below:
Welcome Benefits
Milestone Benefits
Fuel Benefits
Cashback Benefits
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 |
| 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| Cash withdrawal fee | 2.5% of the withdrawn amount (Minimum Rs.500) |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 |
|
| 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 |
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 |
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 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.
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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