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 Charge	Amount
Joining fee	Rs.500
Renewal fee	Rs.500
Minimum repayment amount	5% or a maximum of Rs.200
Cash withdrawal fee	2.5% of the withdrawn amount (Minimum Rs.500)
Cash advance limit	40% of the credit limit
Rewards redemption fee	NIL
Add-on cards charges	NIL
Foreign currency mark-up fee	1.99%
Late payment charges	Less than equal to Rs.100 - Nil Rs.101 to Rs.500 - Rs.100 Rs.501 to Rs.1,000 - Rs.500 Rs.1,001 to Rs.5,000 - Rs.600 Rs.5,001 to Rs.10,000 - Rs.750 Rs.10,001 to Rs.25,000 - Rs.900 Rs.25,001 to Rs.50,000 - Rs.1100 More than Rs.50,000 Rs.1300
Over limit charges	2.5% of the over the limit amount (Min. of Rs.550)
Cash processing fee	Rs.100 per transaction
Payment return charges	2% of the payment amount (Minimum of Rs.450)
Card re-issuance charges	Rs.100 per instance
Duplicate statement	Rs.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.

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

500 CashPoints on membership fee payment
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.

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