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  • HDFC Bank Easy EMI Card

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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 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

    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:

    • Waiver of first year membership fee if transactions worth Rs.30,000+ is made in the first 3 months
    • Waiver of renewal membership fee if Rs.1 lakh+ worth is spent in the first year
    • In the first year, Rs.1 lakh+ spends in each calendar quarter wins Rs.1,000 worth gift vouchers (launch offer)
    • On payment of membership fee, get 1000 CashPoints as welcome or renewal benefit
    • Fuel surcharge waiver of 1% for minimum Rs.400 transactions, maximum Rs.250 cashback per statement cycle
    • 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 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.1,000 plus taxes (waived if Rs.30,000 is spent in first 3 months)
    Annual renewal fee Rs.1,000 plus taxes (waived if Rs.1 lakh 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 Less than Rs.100: Nil
    Between Rs.100 to Rs.500: Rs.100
    Between Rs.501 to Rs.5,000: Rs.500
    Between Rs.5001 to Rs.10,000: Rs.600
    Between Rs.10,001 to Rs.25,000: Rs.800
    Above Rs.25,000: Rs.950

    Eligibility Criteria for the HDFC Bank Easy EMI Card

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

    Criteria Requirement
    Age Minimum – 25 years and maximum 65 years (for self-employed)
    Minimum 25 years and maximum 60 years (for salaried individuals)
    Gross Monthly Income Rs.2.4 lakh per annum in ITR
    Rs.20,000 for salaried individuals

    Documents Required to Apply for the 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 license, PAN card, passport, voter’s ID card, Aadhar card
    • Photograph: Recent passport-sized photograph of the applicant
    • Proof of address: Electricity bill, driving license, 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.

    HDFC Bank Easy EMI Card FAQs

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

      A: 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.

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

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

    3. What is the interest-free credit period?

      A: 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?

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

    5. How is the interest calculated?

      A: 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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    HDFC Bank EasyEMI Credit Card Reviews

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