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Easy EMI Card

MyRupaya Ratings
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MyRupaya Ratings

उत्पाद विवरण
क्रेडिट कार्ड का नाम

Easy EMI Card

Bank Name :

HDFC Bank

प्रकार

Rewards Credit Card

ब्याज दर

3.6% per month i.e. 43.2% annually

पात्रता

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
पेशेवरों

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

दोष

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

2. Limited offers and benefits available.

पक्ष विपक्ष
Welcome Benefits

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

पुरस्कार प्रणाली
  • 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.

अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप

IFM- 3.5% 

स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण

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

फ़ायदे
  • 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)  

विशेष विशेषता, पात्रता और लाभ
क्रेडिट कार्ड के लिए आवेदन कैसे करें?
  • 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.

सम्पर्क करने का विवरण

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.

खाता खोलने की प्रक्रिया और प्रक्रिया

विशेष विशेषता, पात्रता और लाभ

Pros:-

Change the text to include your own content. Adjust the font, size or scale to customize the style.

Cons:-

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

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

2. Limited offers and benefits available.

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.

HDFC Bank Easy EMI Card

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

उत्पाद समीक्षा
फीस एवं प्रभार
  • 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

ईंधन अधिशुक्ल

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

फीस एवं प्रभार
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