HDFC Easy EMI
• Spend a minimum Rs 30,000 within 90 days and your first-year card membership fee will be waived off
• Your renewal membership fee will be waived off on spending a minimum of Rs 1,00,000 in the card membership year
• Spend a minimum of Rs 400 on fuel transactions and get 1% fuel surcharge waiver
• Get complimentary access to experience the Good Food Trail Dining Program at premium restaurants across India
• Get contactless payment feature which gives you a convenient way of payment for your day to day purchases
Easy EMI credit card from HDFC Bank is the go-to credit card for day-to-day in-store purchases or shopping online. The card is loaded with the advantages and features mentioned below:
Fees & Charges
The fees & charges for the HDFC EasyEMI credit card are shown in the table below:
|
Type of Fee/Charge |
Amount |
|
Annual Fee |
Rs. 500 + applicable taxes |
|
Renewal Fee |
Rs. 500 + applicable taxes |
|
Finance Charges |
3.49% p.m./41.88% annually |
|
Cash Advance Fees |
2.5% of the amount withdrawn or Rs. 500, whichever is higher |
|
Add-on Card Fee |
Nil |
|
Over-limit charges |
2% of the over-limit amount, subject to Rs 500 minimum |
|
Rail Ticket Purchase Fee |
transaction amount of 1% + GST |
|
Lost, Stolen, or Damaged Card reissue |
Rs. 100 |
|
Return of Payment Charges |
2% Payment amount, subject to Rs. 450 minimum |
|
Cash Processing Fee |
Rs. 100 |
|
Processing Charges of Balance Transfer |
1% of BT amount or Rs. 250, whichever is higher |
|
Late Payment Charges |
For Statement Balance:
|
Eligibility & Documentation
|
Credit Card Eligibility Criteria |
Salaried |
Self Employed |
|
Age |
21-60 years |
21-65 years |
|
Min Income Required |
As per month Rs.10,000 |
ITR more than Rs.6 lakh per annum |
- The applicant should have a decent source of income as well as a good credit score.
- * The minimum income requirement for various HDFC credit cards is different.
- Required Documents to apply for HDFC EasyEMI credit card:
|
Identity Proof |
Voters ID Card, Aadhaar Card, PAN Card, Passport, Driving License, Photo Credit Card, Central & State Government. Proof of photo ID issued, Defence ID card, etc. (any 1) |
|
Residence Proof |
Voter ID Card, Passport, Ration Card, Bank Account Statement, Aadhaar Card, Letter from any recognized public authority, Telephone Bill, electricity bill, Water Bill (not older than 3 months), etc. (any 1) |
|
Income Proof |
Salary Slips (not older than 3 months), Bank Statements (not older than 3 months), ITR, Form-16, etc. (any 1) |
How to apply
One can apply for this credit card in a few easy steps:
- Start the application process for a credit card,
- In the form given, fill in the basic details such as Address, Name, Occupancy, Pin code, Net monthly income, etc.
- All eligible credit cards will be displayed on the submission of the form. Filter results for credit cards with HDFC Bank. If you qualify for an HDFC EasyEMI credit card, it will appear in the list
- Click on the ‘Check Eligibility’ button & enter the information required
- You will be required to fill out a detailed form and submit it if you are eligible
- once the questionnaire has been successfully submitted, the Paisaexpo executive will contact you and ask the bank representative for a reasonable time to gather documentation from your home or office
- The bank will then review the paperwork given & if you qualify you will get the card sent within 15 days at your address
You can also apply directly from the website of HDFC Bank or visit the nearest branch of HDFC.
Frequently Asked Questions
- What are the advantages of the HDFC EasyEMI credit card?
You can use your HDFC EasyEMI credit card as your regular credit card. One of the main highlights of this card is that any purchases made over Rs.10, 000 will be transferred to automated EMI communication for a span of nine months. You will also earn some guaranteed rewards and cashback on online and offline purchases.
- Will the transactions be converted to EMI below Rs.10, 000?
No, only transactions over Rs.10, 000 would be translated to EasyEMI.
- Is there a waiver of the renewal fee for the HDFC EasyEMI credit card?
Yes, on paying Rs.650, 000 a year, the next year's renewal fee would be waived.
- What is a waiver of fuel surcharge on this card?
The card comes with a 1 percent fuel surcharge waiver and a welcome Rs.1000 gift voucher on spending Rs.1 lakh for the first year in each calendar quarter.
| Rewards | • Get up to 5% cashback to a maximum of Rs 2,250 per month on your all spends • Spend a minimum of Rs 2000 on Amazon, Flipkart, Hotels, and Flight booking through PayZapp and Smartbuy and get 5% cashback to a maximum of Rs 750 • Spend a minimum of Rs 2000 in all online shopping merchants through PayZapp and Smartbuy and get 2.5% cashback to a maximum of Rs 750 • Spend a minimum of Rs 100 in offline stores wallet reloads, point of sale spends and other except fuel, insurance bills, utility bills and get 1% cashback to a maximum of Rs 750 • GAll cashback is also applicable on EMI transaction |
|---|---|
| Features | • Spend a minimum Rs 30,000 within 90 days and your first-year card membership fee will be waived off • Your renewal membership fee will be waived off on spending a minimum of Rs 1,00,000 in the card membership year • Spend a minimum of Rs 400 on fuel transactions and get 1% fuel surcharge waiver • Get complimentary access to experience the Good Food Trail Dining Program at premium restaurants across India • Get contactless payment feature which gives you a convenient way of payment for your day to day purchases • With its newly designed contactless chip technology no need to swipe more, just look, wave your card and go • Now stay in touch with your card, get 24*7 assistant facility and you can avail each and every update of your card no matter where you are • Spend a minimum of Rs 10,000 and get auto EMI conversion for 9 months Rs 99 and interest of 20% per annum will be required to convert your transaction into EMI |
