Easy EMI Card
Rewards & Benefits
Welcome Benefits
Users will get 500 cash points (applicable only on payment of membership fee)
Milestone Benefits
Cashback Rate
Users will get 1 reward point for every INR 100 spent.
The redemption against the statement balance will be at the rate of 1 Cashpoint = ₹1. Effective cashback rate of 1%.
Cashpoints can also be used for redemption against travel benefits like Flight & Hotel bookings and the Rewards catalogue at the SmartBuy Rewards Portal, at a value of 1 Cashpoint = Upto ₹0.30.; Customers can get 5% cashback on Amazon, Flipkart, Flight, and hotel bookings on shopping via PayZapp and SmartBuy (minimum transaction size of ₹2000, Max ₹1000 cashback per calendar month in first 6 months, Max ₹ 750 cashback post 6 months from card issuance).; 2.5% cashback on all online spends (minimum transaction size of ₹2000, maximum cashback = ₹750/calendar month).; 1% cashback on all offline spends and Wallet reloads (Minimum transaction size of ₹100, maximum cashback = ₹750/calendar month).
Movie Benefits
Dining Benefits
Other Benefits
Zero Lost card liability.; A revolving credit facility is available.; A fuel surcharge waiver is available.; If the user spends ₹20000 & above in the first 90 days, the first-year membership fee is waived.
Lounge Access
Fees & Charges
Joining Fee
Annual Fee
Cash Advance Fee
Cash advance fee: 2.5% or ₹ 500 whichever is higher.
Interest rate
3.6% per month i.e. 43.2% annually
Late Payment Fee
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 Fee
Foreign Currency Transactions Fees: 3.5%.
Other Fees
Joining/ Renewal Membership Fee – Rs. 500/- + Applicable Taxes | Reward Redemption Fees: Rs. 99/- | EMI processing fees: ₹99 + GST
दोष
Only transactions above Rs.10,000 can be converted into the EasyEMI option.
Limited offers and benefits are available.
Capping on all cashbacks.
Welcome Benefit: Users will get 500 cash points (applicable only on payment of membership fee).
Reward System: Users will get 1 reward point for every INR 100 spent. The redemption against the statement balance will be at the rate of 1 Cashpoint = ₹1. Effective cashback rate of 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 the Rewards catalogue at the SmartBuy Rewards Portal, at a value of 1 Cashpoint = Upto ₹0.30.
Customers can get 5% cashback on Amazon, Flipkart, Flight, and hotel bookings on shopping via PayZapp and SmartBuy (minimum transaction size of ₹2000, Max ₹1000 cashback per calendar month in first 6 months, Max ₹ 750 cashback post 6 months from card issuance).
2.5% cashback on all online spends (minimum transaction size of ₹2000, maximum cashback = ₹750/calendar month).
1% cashback on all offline spends and Wallet reloads (Minimum transaction size of ₹100, maximum cashback = ₹750/calendar month).
Zero Lost card liability.
A revolving credit facility is available.
A fuel surcharge waiver is available.
If the user spends ₹20000 & above in the first 90 days, the first-year membership fee is waived.
पक्ष विपक्ष
Welcome Benefits
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पुरस्कार प्रणाली
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अंतर्राष्ट्रीय विदेशी मुद्रा मार्कअप
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स्वागत लाभ और पुरस्कार प्रणाली
विशेष लक्षण
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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
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:-
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Cons:-
Welcome Benefit: Users will get 500 cash points (applicable only on payment of membership fee).
Reward System: Users will get 1 reward point for every INR 100 spent. The redemption against the statement balance will be at the rate of 1 Cashpoint = ₹1. Effective cashback rate of 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 the Rewards catalogue at the SmartBuy Rewards Portal, at a value of 1 Cashpoint = Upto ₹0.30.
Customers can get 5% cashback on Amazon, Flipkart, Flight, and hotel bookings on shopping via PayZapp and SmartBuy (minimum transaction size of ₹2000, Max ₹1000 cashback per calendar month in first 6 months, Max ₹ 750 cashback post 6 months from card issuance).
2.5% cashback on all online spends (minimum transaction size of ₹2000, maximum cashback = ₹750/calendar month).
1% cashback on all offline spends and Wallet reloads (Minimum transaction size of ₹100, maximum cashback = ₹750/calendar month).
Zero Lost card liability.
A revolving credit facility is available.
A fuel surcharge waiver is available.
If the user spends ₹20000 & above in the first 90 days, the first-year membership fee is waived.
Only transactions above Rs.10,000 can be converted into the EasyEMI option.
Limited offers and benefits are available.
Capping on all cashbacks.
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.
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
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
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ईंधन अधिशुक्ल
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Billing Cycle
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