HDFC Bank Easy EMI Credit Card

Joining Fee: Rs. 500 + GST
Renewal Fee: Rs. 500 + GST
Best Suited For: Shopping
Reward Type: Reward Points
Welcome Benefites: 500 cash points on the payment of the membership fee

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The HDFC Bank EasyEMI Credit Card is designed to simplify large purchases by automatically converting transactions over ₹10,000 into 9-month EMIs, excluding gold, jewelry, and fuel purchases. Cardholders earn 5% cashback on Amazon, Flipkart, and flight and hotel bookings made via PayZapp and SmartBuy, with a minimum transaction of ₹2,000. Additional cashback rates include 2.5% on other online spends (minimum ₹2,000) and 1% on offline spends and wallet reloads (minimum ₹100). The card offers a welcome benefit of 500 Cash Points upon payment of the ₹500 membership fee. Spending ₹20,000 within the first 90 days waives the first-year fee, and spending ₹50,000 in the first year waives the renewal fee. Cash Points are valid for one year and can be redeemed against the statement balance or for travel benefits through the SmartBuy Rewards Portal. Please note, as of now, HDFC Bank is not accepting new applications for the EasyEMI Credit Card; however, existing cardholders can continue to enjoy its features and benefits.

New Features

Spend Based Waiver

Interest Rates

Add-on Card Fee

Rewards Redemption Fee

Rs. 99 + GST.

Fuel Surcharge

1% fuel surcharge is waived off on all the fuel transactions with a minimum transaction of Rs.400

Foreign Currency Markup

Cash Advance Charges

Movie & Dining

Travel

International Lounge Access

Rewards Rate

Golf

Insurance Benefits

Reward Redemption

Domestic Lounge Access

Zero Liability Protection

Pros

Earn 5% cashback on Amazon, Flipkart, Flight & Hotel bookings on shopping via PayZapp and SmartBuy (minimum transaction size of Rs. 1,000). 2.5% CashBack on all online spend (minimum transaction size of Rs.2000, maximum CashBack = Rs.750 / calendar month). 1% CashBack on all offline spends and Wallet reloads (Minimum transaction size of Rs.100, maximum CashBack = Rs.750 / calendar month)

Cons

No data available

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