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Easy EMI Card

Product Details
Credit Card Name : 

Easy EMI Card

Bank Name :

HDFC Bank

Type :

Rewards Credit Card

Interest Rate : 

3.6% per month i.e. 43.2% annually

Eligibility :

For Salaried Indian National:
Age: Min 21 years to Max 60 Years,
Net Monthly Income> Rs 10,000

For Self Employed Indian National:
Age: Min 21 years & Max 65 Years
Annual Income: ITR > Rs 6 Lakhs per annum

Easy EMI Card
Pros

1. Customers can get 5% CashBack on Amazon, Flipkart, Flight, and hotel bookings on shopping via PayZapp and SmartBuy and 2.5% CashBack on all online spending. All transactions of ₹10,000 and above will be auto-converted to EasyEMI for 9 months. 

2. Zero Lost card liability  

3. Revolving Credit facility available. 

4. Fuel surcharge waiver available.  

5. ₹1000 worth of gift vouchers on spends of ₹1,00,000 and above (only for 1st year). 

6. Welcome benefit also available of 500 Cash points. 

7. Membership and renewal fee waiver options are also available. (Spend ₹20000 & above in the first 90 days and get first year memebership fee waived off. Spend ₹50,000 and above in the first year and get a waiver on the renewal membership fee)  

8. The HDFC Bank EasyEMI Card is enabled for contactless payments, facilitating fast, convenient and secure payments

Cons

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

2. Limited offers and benefits available.

Pros & Cons
Welcome Benefits

500 Cash Points  (applicable only on payment of membership fee)

Rewards System
  • The redemption against the statement balance will be at the rate of 1 CashPoint = ₹1 

  • The minimum CashPoint balance required for redemption against the statement balance is 2500 CashPoints. 

  • CashPoints can also be used for redemption against travel benefits like Flight & Hotel bookings and Rewards Catalogue at the SmartBuy Rewards Portal, at a value of 1 CashPoint = Upto ₹0.30. 

  • 1 Reward Point for every INR 100 Spent.

  • Effective Cashback Rate: 2.5%

International Forex Markup

IFM- 3.5% 

Welcome Benefits and Reward System
Special Features

None 

Eligibility Criteria

For Salaried Indian National:
Age: Min 21 years to Max 60 Years,
Net Monthly Income> Rs 10,000

For Self Employed Indian National:
Age: Min 21 years & Max 65 Years
Annual Income: ITR > Rs 6 Lakhs per annum

Benefits
  • Customers can get 5% CashBack on Amazon, Flipkart, Flight, and hotel bookings on shopping via PayZapp and SmartBuy and 2.5% CashBack on all online spending. All transactions of ₹10,000 and above will be auto-converted to EasyEMI for 9 months. 

  • Membership and renewal fee waiver options are also available. (Spend ₹20000 & above in the first 90 days and get first year memebership fee waived off. Spend ₹50,000 and above in the first year and get a waiver on the renewal membership fee)  

Speical Feature, Eligibility and Benefits
How to apply for Credit Card?
  • Go to the HDFC Bank website. Click on the "Loans" tab. 

  • Click on the "EasyEMI" link. 

  • Select the "EASYEMI on Debit Card" option. 

  • Enter your personal information, such as your name, address, and income. 

  • Enter your PAN number and credit score. 

  • Click on the "Submit" button. 

  • A HDFC Bank representative will contact you to verify your details and complete the application process.

Contact Details

1800 202 6161 or 1860 267 6161,
send an SMS to 730 8080 808,
or even use WhatsApp to send a message to 707 0022 222.

Account Opening and Procedure
HDFC Bank Easy EMI Card

The HDFC Bank Easy EMI credit card comes with unique features, such as Easy EMI conversions and exclusive cashback offers on online as well as offline shopping giving you a great chance to save on all your purchases. One more of its best parts is that it allows you to use your CashPoints for redemption against your Statement Balance on request, that too with a rate of 1 CashPoint = Re. 1, which is really good. Moreover, it has a nominal joining and renewal fee of Rs. 500, which can be waived off on the basis of your spending.

Abhijeet Saxena

Abhijeet Saxena

Abhijeet Saxena

Nalsar University of Law

Ex- Senior Associate, Shardul Amarchand Mangaldas, Delhi

Ex - Khaitan & Co. Bengaluru,

Ex - National Stock Exchange, Mumbai,

Ex - Argus Partners, Mumbai

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Fees & Charges
  • Joining/ Renewal Membership Fee – Rs. 500/- + Applicable Taxes 

  • Cash advance fee: 2.5% or ₹ 500 whichever is higher.  

  • Interest Rates: 3.60% p.m. 43.20% p.a.  

  • Late Payment Charges: Less than ₹100 = Nil ₹100 to ₹500 = ₹100/- ₹501 to ₹5,000 = ₹500/- ₹5,001 to ₹10,000 = ₹600/- ₹10,001 to ₹25,000 = ₹800/- ₹25,001 to ₹50,000 = ₹1100/- More than ₹50,000 = ₹1300/- 

  • Foreign Currency Transactions Fees: 3.5%.   

  • Reward Redemption Fees: Rs. 99/-  

  • EMI processing fees: ₹99 + GST

Fuel Surcharge

1% fuel surcharge waiver at all fuel stations across India  (on minimum trasaction of ₹400. Max CashBack of ₹250 per statement cycle)

Billing Cycle

30 Days

Fees & Charges
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