HDFC Bank Easy EMI Credit Card
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HDFC Bank Easy EMI Credit Card

/assest/image/icons/cashback.svg Cashback
/assest/image/icons/fuel.svg Fuel
/assest/image/icons/rewards.svg Reward Points
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Joining Fee: ₹500* Plus Applicable Taxes

Renewal Fee: ₹500*Plus Applicable Taxes

Cashback Cashback
Fuel Fuel
Reward Points Reward Points
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Joining Fee: ₹500* + Tax

Renewal Fee: ₹500* + Tax

Welcome benefits:- 00 Cash Points (applicable only on payment of membership fee). Rs.1,000 worth gift vouchers on spends of Rs.1,00,000 and above in each calendar quarter, for the first year only.

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About The Card Rewards Program Features & Benefits Fees & Charges Thinks We Know FAQs

About HDFC Bank Easy EMI Credit Card

HDFC Bank EasyEMI Credit Card is designed to make your everyday shopping—both in-store and online—more convenient and rewarding. With its range of features and benefits, this card helps you manage your expenses efficiently while enjoying added perks. Here’s everything you need to know about the EasyEMI Credit Card.

Other Features and Benefits

Welcome Benefits

  • 500 CashPoints on payment of membership fee.
  • Rs.1,000 gift vouchers on spending Rs.1,00,000+ per quarter (first year only).

Cashback

  • 5% on Amazon, Flipkart, Flight & Hotel bookings via PayZapp & SmartBuy (min Rs.1,000). Max Rs.1,000/month for first 6 months; Rs.750 thereafter.
  • 2.5% on all online spends (min Rs.2,000; max Rs.750/month).
  • 1% on offline spends and wallet reloads (min Rs.100; max Rs.750/month).

Milestone & Renewal Benefits

  • Spend Rs.20,000 in first 90 days: first-year fee waived.
  • Spend Rs.50,000 in a year: renewal fee waived.

Redeem Cashback

  • Cashback credited as CashPoints (1 CashPoint = Rs.1).
  • Minimum 2,500 CashPoints required for statement redemption.
  • Can also redeem for flights, hotels, and rewards catalogue at 1 CashPoint = up to Rs.0.30.

Fuel Surcharge Waiver

  • 1% waiver on fuel transactions of Rs.400+ per transaction.

Contactless Payments

  • Card comes with contactless payment technology for faster and safer transactions.

EasyEMI Facility

  • Transactions above Rs.10,000 (except gold, jewellery, and fuel) can be converted into 9-month EasyEMI.

Fees and Charges

Type of ChargeAmount
Joining feeRs.500
Renewal feeRs.500
Minimum repayment amount5% or a maximum of Rs.200
Cash withdrawal fee2.5% of the withdrawn amount (Minimum Rs.500)
Cash advance limit40% of the credit limit
Rewards redemption feeNIL
Add-on cards chargesNIL
Foreign currency mark-up fee1.99%
Late payment charges
  1. Less than equal to Rs.100 - Nil
  2. Rs.101 to Rs.500 - Rs.100
  3. Rs.501 to Rs.1,000 - Rs.500
  4. Rs.1,001 to Rs.5,000 - Rs.600
  5. Rs.5,001 to Rs.10,000 - Rs.750
  6. Rs.10,001 to Rs.25,000 - Rs.900
  7. Rs.25,001 to Rs.50,000 - Rs.1100
  8. More than Rs.50,000 Rs.1300
Over limit charges2.5% of the over the limit amount (Min. of Rs.550)
Cash processing feeRs.100 per transaction
Payment return charges2% of the payment amount (Minimum of Rs.450)
Card re-issuance chargesRs.100 per instance
Duplicate statementRs.10

Things to Know Before you apply

Get this card if:

  • You frequently make high-value online or in-store purchases and want the flexibility of converting them into EMI.
  • You want cashback on online shopping, flight, hotel, and essential expenses.
  • You are looking for a low-maintenance entry-level card with fee waivers on milestone spending.

Eligibility Criteria

  • Age: 21 to 70 years
  • Occupation: Salaried or Self-employed
  • Credit Score: Should have a good credit history

Document Required For HDFC Bank Easy EMI Credit Card

  • Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
  • Proof of Address: Aadhaar Card, Driver’s License, Passport
  • Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement

HDFC Bank Easy EMI Credit Card Hilights

What do we like about this card?

  • Cashback: 5% on select online spends, 2.5% on other online spends, 1% on offline/wallet.
  • EasyEMI: Convert spends above Rs.10,000 into 9-month EMI.
  • Welcome Benefit: 500 CashPoints + Rs.1,000 gift vouchers on spending Rs.1,00,000 per quarter (first year).
  • Annual/Renewal Fee Waiver: Spend milestones (Rs.20,000 & Rs.50,000) waive fees.
  • Fuel Surcharge Waiver: 1% on transactions of Rs.400–Rs.5,000.
  • Redemption: CashPoints can be used against statement balance, flights, hotels, and rewards catalogue.

Pros

  • Up to 5% cashback on online platforms and SmartBuy purchases.
  • EasyEMI facility for transactions above Rs.10,000.
  • Annual fee waivers on milestone spending.

Cons

  • Cashback on offline spends and wallet reloads is limited to 1%.
  • Maximum cashback limits per month can restrict high-value earners.
  • Cashback points expire in 1 year if not redeemed.

HDFC Bank Credit Card Contact Details

HDFC Card offers multiple ways to get assistance for your credit card queries and services.

  • Contact Address: Manager, HDFC Bank Cards Division, PO BOX # 8654, Thiruvanmiyur PO Chennai - 600 041
  • Helpline: You can contact us at 1800 1600 / 1800 2600.
  • Simply SMS: -  SMS “CCHELP” to 5676712

Frequently Asked Questions

Everything you need to know about this credit card

Joining fee is Rs. 500 + GST.

  1. 5% on select online spends (Amazon, Flipkart, flight & hotel bookings via SmartBuy/PayZapp)
  2. 2.5% on other online spends
  3. 1% on offline and wallet reloads

  1. 500 CashPoints on membership fee payment
  2. Rs.1,000 gift vouchers on spending Rs.1,00,000+ in each quarter (first year)

Transactions above Rs.10,000 (except gold, jewellery, and fuel) can be converted into 9-month EMI.

Yes, 1% waiver on fuel transactions of Rs.400 to Rs.5,000, capped at Rs.250 per month.

  1. CashPoints can be redeemed against:
  2. Statement balance (1 CashPoint = Rs.1)
  3. Flights, hotels, and rewards catalogue via SmartBuy portal (1 CashPoint = up to Rs.0.30)

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