HDFC Bank Easy EMI Credit Card

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The HDFC Bank Easy EMI Credit Card is a great choice for anyone looking to save money while shopping. It comes with a joining fee of Rs. 500 and offers exciting welcome perks like 500 CashPoints and gift vouchers worth Rs. 1,000. You can get 5% cashback when shopping via Payzapp & SmartBuy, 2.5% cashback on other online purchases, and 1% cashback on offline purchases. This means you’ll enjoy savings on almost all your spending.

The cashback you earn is given as CashPoints, which can be redeemed for your statement balance at a rate of 1 CashPoint = Re. 1. You can also use these points for other purposes at different rates. One big advantage of this card is that if you meet certain spending limits, the Rs. 500 joining and renewal fees are waived. Plus, automatic EMI conversions on eligible purchases make managing expenses easier. It’s a smart option for anyone who wants to maximize savings and enjoy hassle-free shopping.

Credit Card Detail
HDFC Bank Easy EMI Credit Card
Joining Fee
Rs. 500.00 +GST
Renewal Fee
Rs. 500.00 +GST
Best Suited For
Shopping
Reward Type
Reward Points
Welcome Benefits
Get 500 Cash Points when you pay the membership fee. In the first year, if you spend Rs.1,00,000 or more in a calendar quarter, you’ll receive Rs.1,000 worth of gift vouchers.
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Rewards Rate
Get 2.5% cashback on online shopping and 1% on offline purchases.
Reward Redemption
Each CashPoint equals ₹1 for redeeming cash, products, or vouchers, and ₹0.30 when booking flights or hotels.
Movie & Dining
N/A
Travel
N/A
Golf
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Insurance Benefits
N/A
Interest Rates
3.6% interest per month, which adds up to 43.2% per year.
Spend-Based Waiver
Enjoy a zero joining fee when you spend Rs. 20,000 or more within the first 90 days of card issuance. Plus, unlock a renewal fee waiver by spending Rs. 50,000 or more in a year, making your card experience more rewarding and cost-effective.
Rewards Redemption Fee
Rs. 99 plus taxes
Cash Advance Charges
You'll pay 2.5% of the transaction amount or Rs. 500, whichever is more.
Foreign Currency Markup
3.50% +GST
Fuel Surcharge
You won't have to pay the 1% fuel surcharge on transactions between Rs. 400 and Rs. 5,000, with savings of up to Rs. 250 per month.
Card Details
  • Get 500 CashPoints as a welcome bonus when you pay the membership fee.
  • Spend Rs.20,000 in the first 90 days to get the joining fee waived.
  • Spend Rs.50,000 in the first year to waive the renewal fee.
  • Enjoy 5% cashback on Amazon, Flipkart, flights, and hotels when you shop via Payzapp or SmartBuy (min. Rs.1,000 per purchase).
  • Get 2.5% cashback on other online shopping (min. Rs.2,000).
  • Earn 1% cashback on all offline purchases and wallet reloads (min. Rs.100).
  • Cashback rewards have monthly limits: up to Rs.1,000 in the first 6 months and Rs.750 afterward.
  • If you spend Rs.1,00,000 or more in a calendar quarter during the first year, you get Rs.1,000 worth of gift vouchers.
  • All transactions above Rs.10,000 (except gold, jewelry, and fuel) are automatically turned into easy 9-month EMIs for hassle-free payments.
  • Save on fuel with a 1% surcharge waiver on fuel bills between Rs.400 and Rs.5,000 (max Rs.250 per month).
  • Use your CashPoints to pay your credit card bill (1 point = Rs.1) or redeem for travel and rewards (value up to 0.30 Rs. per point). Points last for 1 year and you need at least 2500 points to redeem.
  • The card supports contactless payments for quick and secure transactions up to Rs.2,000.
  • You can use EasyEMI offers at over 1,000 merchants.
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Frequently Asked Questions

Is there a benefit on fuel purchases?

Yes, the card offers a 1% fuel surcharge waiver, helping you save on fuel expenses.

How can I track my HDFC credit card application?

You can track your application status by entering your 16-digit reference number along with your mobile number, date of birth, or application form number at the HDFC Credit Card Tracker.

Can the renewal fee be waived off?

Yes, if you spend Rs. 50,000 or more in a year, the renewal fee for the following year will be waived.

Is there an interest-free credit period?

You can enjoy a credit period of 20 to 50 days without any interest if you clear your previous month's dues in full.

Which categories can I use this card for?

This card can be used for a wide range of expenses, such as travel, movie tickets, shopping, and apparel purchases.

Can small transactions be converted to EasyEMI?

No, only transactions above Rs. 10,000 are eligible for EasyEMI conversion.

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