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.
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2.5% of the withdrawn amount (Minimum Rs.500)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).
Housing Development Finance Corporation
Cashback
Fuel
Reward Points
