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HDFC EasyEmi Credit Card

Apply HDFC EasyEMI Credit Card

Annual Fee

nil*

Reward Type

NA

Joining Fee

Currently not available! Check Eligibility for similar products

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About HDFC EasyEMI Credit Card

HDFC Bank launched the EasyEMI credit card to cater to the different needs of today’s shopaholic customers. Considering it is one of India’s largest private sector banks, it has left no stone unturned in making this credit card one of its best offers to date. The card aims to fulfil everyday needs of customers. From buying the latest gadgets to purchasing gym memberships, and a lot more can easily be done with the HDFC EasyEMI credit card. This card helps users to avoid making instant payments while shopping. Instead, they can purchase whatever they need today and pay for it later.

While shopping, few people prefer to pay the cost of the purchased products in easy instalments instead of paying the entire amount upfront. This is why HDFC introduced EasyEMI Credit Card which allows users to convert the due payment in monthly instalments. Spending Rs. 10,000 or more allows users to convert the total amount into EMIs. An Auto EMI option is also offered with this card.

Key Features

Here are some of the key features offered by HDFC EasyEMI credit card:

  • Transactions with a minimum value of Rs. 10,000 and above can be auto-converted into 9-month easy EMIs.
  • Several cashback benefits are offered on this card for online and offline shopping. Same goes for wallet reloads.
  • CashPoints are redeemable on the SmartBuy Rewards Portal. Users can redeem these for travel and also hotel bookings.
  • Contactless Payment Technology – Intending to make card payments safer and convenient, HDFC EasyEMI offers contactless technology for making smooth and hassle-free payments.
  • Tie up with 1000+ merchants for EasyEMI offers.

Welcome Benefits

  • A waiver can be availed on membership fee for the first year provided the user makes transactions worth minimum Rs. 20,000 in the first 3 months of the card issue date.
  • A waiver can also be availed on renewal of membership fee for purchases worth minimum Rs. 50,000 in the first year of card issue.
  • For the first year, a minimum of Rs. 1 lakh worth of spends per quarter can earn Rs. 1,000 worth of gift vouchers as part of the card launch offer.
  • Upon payment of membership fee, users get 500 CashPoints as part of welcome or renewal benefits.

Fuel Benefits

  • Waiver of 1% can be availed on the Fuel surcharge for a minimum transaction of Rs. 400 and maximum Rs. 250 cashback can be availed per statement cycle.

Cashback Benefits

  • Monthly maximum Cashback of Rs. 2,250 is offered and a minimum of 5% on total spending.
  • Maximum Cashback of Rs. 1,000 is offered on shopping through PayZapp and Smart Buy every month in the first 6 months of card issue.
  • Cashback of 5% is also provided on shopping via PayZapp and Smartbuy. Maximum of Rs. 750 is offered per month and minimum Transaction should be Rs. 2,000.
  • Cashback of 2.5% is offered for online shopping, maximum being Rs. 750 per month. Criteria are a minimum transaction value of Rs. 2,000.
  • 1% Cashback is offered on offline spending as well as wallets recharge. Maximum cashback can be Rs. 750 per month provided the minimum transaction is of Rs. 100.

Redemption of Points

  • Cashback earned by users comes in the form of CashPoints. Users can redeem these CashPoints on the balance statement.
  • Value of 1 Cash Point is Rs. 1 for statement balance.
  • Minimum Cash Points required for redemption are 2500 and should be in the multiples of Rs. 500.
  • Redemption of CashPoints can be done for Flight bookings and Hotel bookings. 1 CashPoint is equivalent to Rs. 0.30 for rewards in Smartbuy.
  • If un-redeemed, CashPoints expire in 1 year from the start of accumulation.
  • The conversion rate of CashPoint is Rs. 0.30.
  • Fuel Surcharge waiver is 1% and a maximum cashback of Rs. 250 is allowed per statement cycle. This is provided the minimum transaction value is Rs. 400.

Bill Payment

HDFC Credit Card payment can be done in multiple ways. Here are some of the ways how you can make the payment and clear your due bills:

  • HDFC Credit Card bills can be paid through Net Banking.
  • Bill payment can be done through HDFC Mobile Application.
  • Customers can also make use of Billdesk for a credit card due to payments.
  • Payment Gateways such as Paytm, GPay, etc can also be used for the same.

Eligibility Criteria

  • Resident type of applicant must be Indian.
  • Salaried and non-salaried individuals are eligible to apply for this credit card.
  • A good credit score is a must.
  • Minimum age should be 21 years and maximum can be 60 years for salaried individuals. For self-employed individuals, the maximum age can be 65 years.
  • Salaried individuals with minimum monthly earnings of Rs 20,000 can apply for this card.
  • Non-Salaried individuals with a minimum yearly income of Rs. 2.4 lakhs can apply for this card.

Documentation

Here is the list of acceptable documents for applying to HDFC EasyEMI credit card:

Proof of Identity

Address Proof

Income Proof

Fees and Charges

Type of Fee/Charge

Amount 

Annual Charges

Rs. 500 + applicable taxes

Renewal Charges

Rs. 500 + applicable taxes

Finance Fees

3.6% per month | 43.2% annual

Cash Advance Fees

2.5% of the amount withdrawn or Rs. 500, whichever is higher

Add-on Card Charges

Nil

Overlimit Fees

2.5% of the over-limit amount, Minimum of Rs. 550

Railway Ticket Booking Fees

1% of the transaction value + GST

Reissuance of Lost, Damaged, or Stolen Card

Rs. 100

Payment Return Fees

2% of Payment value, Minimum should be Rs. 450

Cash Processing Charges

Rs. 100

Balance Transfer Processing Fees

1% of BT value or Rs. 250, whichever is higher

Late Payment Fees

For Statement Balance:

  • Less than Rs. 100 – Nil
  • Rs.100 to Rs.500 – Rs.100
  • Rs.501 to Rs.5,000 – Rs.500
  • Rs.5,001 to Rs.10,000 – Rs.600
  • Rs.10,001 to Rs. 25,000 – Rs.800
  • Rs. 25,000 to Rs. 50,000 – Rs. 1,100
  • Over Rs. 50,000 – Rs. 1,300

Applying for HDFC EasyEMI Credit Card

Applying for HDFC EasyEMI credit card is easy and can be done in a few simple steps:

  • To begin the online application, applicants must visit www.hdfcbank.com
  • Navigate to the 'Apply Now' button in the top menu.
  • Select the 'Credit Card' option which can be found in the drop-down menu.
  • Fill up your details like name, mobile number, and PAN number.
  • Captcha code must be filled in and then tick the box for authorising the bank to get in touch for further process.
  • To complete the process, click on the 'Submit' button.

About HDFC Bank

As a premium private-sector bank, HDFC bank is known for its innovative and latest products as well as services. HDFC offers a wide range of credit cards along with mutual fund products, investment avenues, etc. It caters to the endless needs of customers, making it one of the best banks in the country. The credit cards offered by HDFC bank are designed to have exciting features like free airport lounge access, waivers on purchases, etc. The EasyEMI credit card is the latest on offer which has attracted numerous customers.

FAQs

1. How can I check the status of my application for the EasyEMI credit card?

Tracking the status of your credit card is easy with your 16-digit reference number provided at the time of application. All you have to do is visit the website of HDFC bank and check the status of your credit card application, using your mobile number/date of birth and the 16-digit reference number.

2. What merchant tie-ups are available for this card?

This card can be used for various categories such as travel bookings, movie ticket booking, shopping, and various other merchant categories.

3. Is there any interest-free period allowed on this card?

Yes. An interest-free period of 20 to 50 days is provided as long as the previous month’s due has been cleared.

4. Is there a way to convert transactions below Rs.10,000 threshold to EasyEMI?

No. Transactions must be above Rs. 10,000 to be converted into EasyEMI.

5. How is the interest computed?

The interest formula is: Outstanding amount x 3.4% pm x 12 months x number of days/365.

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