HDFC Easy EMI Credit Card

HDFC Easy EMI Credit Card is the go-to credit card for everyday in-store or online transactions. The card comes with a number of bonuses and features that will make your shopping experience more convenient and enjoyable.

HDFC EASYEMI.png

Image Source: HDFC Official website

Highlights of the HDFC Easy EMI Card

Suitability

Shopping

Joining Fee

Rs. 500

Renewal

Rs. 500

Requirement

Salaried: Rs. 10,000 p.m.

Self-employed: ITR>Rs. 6 lakh p.a.

HDFC Easy EMI credit card benefits

500 cash points on payments of the membership fee

HDFC Easy EMI Credit Card Features and Benefits

Following are the HDFC Easy EMI Credit Card features and benefits that the member can avail:

- EasyEMI Facility

  • Every transaction exceeding Rs.10,000 will be converted into an EasyEMI facility for a period of nine months. Auto conversion is not available for gold, jewelry, or fuel transactions.
  • 500 Cash Points as a welcome bonus (applicable only on payment of membership fee). For the first year only, spending Rs.1,000 or more in each calendar quarter will earn you an Rs.1,000 gift voucher.

- Renewal Offer

  • Spend Rs.50,000 or more in the first year and get the renewal membership charge waived.
  • Get 5% cashback on Amazon, Flipkart, flight and hotel bookings made with PayZapp and SmartBuy (minimum transaction size of Rs. 1,000)

- Milestone Benefit

Spend Rs.20,000 or more in the first 90 days, and the first-year membership cost will be reimbursed.

- Redeem Cashback

Cash points will be awarded for cashback earned with this credit card. The payback points are valid for a year after purchase. A minimum CashPoint balance of 2500 CashPoints is required for redemption against the statement balance.

- Waiver of Fuel Charges

A 1% fuel cost is waived on all fuel transactions that have a minimum transaction of Rs. 400.

- Contactless Payment Technology

In order to make card payments safer and easier, HDFC EasyEMI card includes contactless payment technology, which makes payments quick and easy for cardholders.

HDFC Easy EMI Credit Card Fees

The following table details the fees and charges associated with the HDFC EasyEMI credit card-

Joining Fee

Rs. 500 + applicable taxes

HDFC Easy EMI credit card interest rate

3.6% p.m. 

Annual Charges

Rs. 500 + applicable taxes

Late Payment Charges

  • 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

Eligibility Criteria

The HDFC Bank Easy EMI credit card has the following qualifying requirements-

For Salaried

Minimum 21 years and maximum 60 years (for salaried individuals)

More than Rs.10,000 per month for salaried individuals

For Self-Employed

Minimum - 21 years and maximum 65 years (for self-employed)

Rs.6 lakhs per annum in ITR (for self-employed)

Documents Needed to Apply

To apply for an HDFC Bank Easy EMI Card, you will need to bring the following documents-

  • A driving license, PAN card, passport, voter's ID card, and Aadhar card are all acceptable forms of identification.
  • A recent passport-sized photograph of the applicant is required.
  • Electricity bills, driver's licenses, post-paid mobile phone bills, passports, PAN cards, Aadhar cards, telephone bills, and voter's ID cards are all acceptable forms of proof of address.
  • Income tax returns (ITR), most recent salary slips, and Form 16 are all acceptable forms of proof of income.
  • Birth certificates, voter ID cards, passports, and school certificates are all acceptable forms of proof of age (10th standard).

How to Apply for the HDFC Easy EMI Credit Card?

You can HDFC Easy EMI credit card apply by following these steps-

Step 1: Visit HDFC Bank's main website at www.hdfcbank.com.

Step 2: On the top menu, select the 'Apply Now' option.

Step 3: From the drop-down menu, select the 'Credit Card' option.

Step 4: On the following page, you must enter your personal information, such as first name, last name, cell phone number, and PAN number.

Step 5: Type in the Captcha code and check the box to allow the bank and its personnel to contact you.

Step 6: Press the 'Submit' button.

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