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About HDFC Debit Card EMI
HDFC is among the leading banks in our country. It provides the option of EMIs on your debit card to give you a better shopping experience. You get a flexible repayment tenure in the range of 3 to 24 months. Moreover, you will get instant approvals and disbursals.
You should SMS “DCEMI” to 56767 from your registered mobile number to check your EMI eligibility on the HDFC debit card.
1. Auto debit return penal interest
2. Late Payment Fee
3. Pre-closure Charges
4. Rate of Interest
A debit card EMI is a payment method that enables you to make purchases via a debit card without paying the amount in full. The payments are processed and completed via the pre-approved overdraft facility. The bank bears the payment to the merchant on your behalf, and instead of a one-time payment, you repay via EMI through the current or savings account linked to your debit card. This payment facility can help you make a purchase even if you do not have full cash in your bank account. For example: if you want to make a payment of Rs.32,000 at Amazon and opt for the HDFC Bank debit card EMI facility with a duration of 4 months. On approval through the bank and the merchant, the amount of Rs. 32,000 will be credited to the bank account. A direct payment will be made to Amazon, and this 32,000 will then be retrieved through fixed EMI as the duration chosen by you (4 months). Therefore, for 4 months, you will pay an EMI of Rs. 8000 plus the interest and processing charges if applicable. The bank gave you a loan of Rs. 32000 which you will repay later through EMI. Therefore, for your purchase, it is the bank that makes the payment to your merchant and you pay it back to the bank through EMIs. The interest and the processing fee are charged on these EMI payments, which may vary from bank to bank.
1. How can I check my HDFC debit card EMI?
SMS “DCEMI ” to 56767 from your registered mobile number to check your HDFC debit card EMI eligibility.
2. Can I avail EMI on an HDFC debit card?
Whether it is online or in-store purchases, you can get the EasyEMI facility on HDFC Bank debit cards, credit cards, and consumer loans. EasyEMI is a better way to pay for all kinds of purchases - electronics, furniture, apparel, and more. Enjoy the benefits of No Cost EMI at leading brands and stores.
3. How can I activate my HDFC debit card EMI?
Your bank will automatically allow standing instructions on your SB account to enable debit of monthly payments for EMI. Please ensure to keep enough balance in your SB account to cover the EMI amount.
4. How can I activate EMI on my debit card?
You can move to the payment page on websites where the offer is available. You will be given a choice to select the EMI on debit card payment option at the checkout page. After selecting the EMI on the debit card option, you can choose the tenure and agree on the T&Cs proposed by the bank.
5. How can I check my pre-approved limit on my HDFC debit card?
Ensure that you are registered on Whatsapp with the same HDFC registered mobile number. Save the number: 7065970659. Now, open Whatsapp and send a message - “DCEMI” to this number. You will receive a reply message in which you can see the pre-approved limit for your debit card.
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