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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