HDFC Bank Easy EMI Credit Card: Features and Apply

Summary

HDFC Bank Easy EMI Credit Card allows you to budget your spends wisely. Its feature is auto EMI conversion—all spends over ₹10,000 will be converted to easy 9-month EMIs automatically, and you won’t have to pay the entire amount upfront. It is perfect for those who tend to buy costly items like electronics, furniture, or air tickets.

The Credit card also provides decent cashback rewards. You earn 5% cashback on PayZapp and SmartBuy spends (on spends of over ₹2,000), 2.5% cashback on online expenditure, and 1% cashback on offline expenditure and wallet recharge. This cashback can be utilized in the future, thus saving your money on your future expenditures.

There’s even a 1% fuel surcharge waiver on fuel transactions between ₹400 to ₹5,000. The card also comes with a contactless facility, so you can just tap and pay at enabled terminals, with quicker and safer payments.

Introduction

Credit cards are a very handy financial tool in the present era. If you wish to shop online, purchase a mobile phone, book air tickets, or pay bills, a credit card facilitates all these. But most people are concerned about the high interest charged on credit cards. To get rid of this problem, HDFC Bank has introduced a special card called the Easy EMI Credit Card. As the name suggests, this card helps you convert your big purchases into small, easy-to-handle monthly payments known as EMIs (Equated Monthly Installments).

The HDFC Bank Easy EMI Credit Card is meant for individuals who prefer the convenience of paying in installments without adding any burden. You don’t have to spend the entire money at one go. For instance, if you purchase a phone worth ₹15,000 via this card, you can readily convert the sum into EMIs and pay graduallythroughoutf a couple of months. This makes your money management smooth and prevents financial tension.

One of the best features of this card is that it automatically converts purchases of ₹10,000 or more into EMIs. So you don’t need to call the bank or do anything manually. Everything is done easily and smoothly. Also, the interest rate on these EMIs is very low compared to normal credit card interest rates. So, you save money too.

Besides EMI deals, the card also offers you thrilling rewards, cashback, fuel surcharge waivers, and special discounts on shopping and travel. It can be used almost everywhere in India and is accepted at all establishments and websites that accept Visa or RuPay cards. You are also offered EMI deals at Amazon, Flipkart, Myntra, and numerous other popular online destinations.

What is the HDFC Bank Easy EMI Credit Card?

The HDFC Bank Easy EMI Credit Card is a unique credit card that enables you to convert your large spends into small, manageable monthly payments, known as EMIs (Equated Monthly Installments). If you purchase something worth ₹10,000 and more using this card, the amount is automatically converted into EMIs, and you don’t have to pay the entire amount at once.

This allows you to manage your expenses with no financial stress. It also offers you other benefits such as cashback, discounts, and reward points when you shop either online or offline. It is a suitable choice for people who would rather shop now and pay later in an easy way.

What is the design of the HDFC Bank Easy EMI Credit Card?

The HDFC Bank Easy EMI Credit Card has been designed to look modern and slender. Blue color is given in the background to the card, and HDFC Bank is displayed in blue on the top left side. Prominently the card reads “EasyEMI” by putting a mark indicating its salient feature.

It also contains shared features such as the card holder’s name, card number, and the chip for secure transactions. The card is also contactless payment-enabled, where you can make quick and secure payments by tapping the card at compatible points of sale.

What are the benefits of the HDFC Bank Easy EMI Credit Card?

A few benefits of the HDFC Bank Easy E MI Credit Card also help to make spending management so simple:

1. Cashback Benefits

• 5% Cashback on minimum transaction value of ₹2,000 on PayZapp and SmartBuy, up to 750 cash points monthly.

• 2.5% Cashback on all transactions made online.

• 1% Cashback on all offline transactions and wallet recharges.

• Fuel Surcharge Waiver: Avail 1% fuel transactions surcharge waiver between ₹400 and ₹5,000 with up to ₹250 cashback in a statement cycle.

2. Welcome Benefits

• Get 500 CashPoints on membership fee payment.

• Receive gift vouchers up to ₹1,000 for spending ₹1,00,000 or more in a calendar quarter during the first year.

3. Annual Fee Waiver

• The first-year membership fee is waived if you incur ₹20,000 of expenses in the first 90 days. ​

• The renewal charge is waived on spends of ₹50,000 or more in the last year. ​

• The card supports contactless payments and allows one to make quick and safe payments at contactless terminals.

What are the fees for the HDFC Bank Easy EMI Credit Card?

Here is a simple HDFC Bank Easy EMI Credit Card fee breakup.

Joining Fee	₹500 plus GST
Annual Fee	₹500 plus GST
Add-on Card Fee	There are no charges for additional cards for family members.
Finance Charges	If you don’t pay your bill in full, a 3.6% per month (43.2% annually) charge on the outstanding balance.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting an HDFC Bank Easy EMI Credit Card?

1. Age Requirement:

• You should be between 18 to 65 years of age.

2. Income Requirement:

• Salaried Applicants: The minimum net monthly income is required; however, the bank fixes the amount, which can differ based on the applicant’s profile.

• Self-Employed Applicants: A minimum ITR amount is needed; the bank fixes the specific amount and can differ with applicants.

3. Employment Status:

• You should have a regular job or business with a fixed income source.

4. Credit Score:

• A CIBIL score of 700 and above is preferred for sanction.

5. Residency:

• You should be an Indian resident and have a valid address proof.

What documents are required to get an HDFC Bank Easy EMI Credit Card?

The documents that you will have to submit to Get an HDFC Bank Easy EMI Credit Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months if you are a salaried employee Bank statement for the last 3 months ITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the HDFC Bank Easy EMI Credit Card be used?

Here is the list of places where you can use it:

• With the HDFC Bank Easy EMI Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

• You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

• You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

• You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

• You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

• You can use your HDFC Bank Easy EMI Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

• The HDFC Bank Easy EMI Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the HDFC Bank Easy EMI Credit Card?

The credit limit of the HDFC Easy EMI Credit Card will rely on your income, credit score, and banking relationship. Subject to eligibility, this is a high-end credit card, typically ranging from ₹5 lakh to ₹25 lakh or more.

If you hold a Priority Banking account, you may be extended a higher credit limit. You are also allowed by the bank to request a limit upgrade based on your spending and repayment record. To ascertain your actual limit, you may call HDFC Bank once you have made your application.

How do you apply for an HDFC Bank Easy EMI Credit Card?

Apply it through both these modes: 

Online Application Process

• Visit the official website of HDFC Bank, i.e. 

• Go to ‘Cards’, followed by ‘Credit Cards’.

• On that page, you can see numerous options for credit cards issued by HDFC Bank; for instance, you can choose the HDFC Easy EMI Credit Card.

• Just hover your cursor on the HDFC Easy EMI Credit Card, followed by selecting ‘Apply Now‘ from there.

• You will be asked to fill out your details, including your name, contact information, income details, and employment status.

• Be accurate and updated with the information provided.

• You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

• After filling out the details and uploading the documents, review your application to make sure everything is correct.

• Apply online through the application form.

• The bank will check your application after you submit it. They can ask for extra documents or information if required.

• You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process

• You can walk into the nearest HDFC Bank branch to apply for the HDFC Easy EMI Credit Card.

• Request for the credit card application form for the HDFC Easy EMI Credit Card. They will provide you with the form and proceed accordingly.

• Fill in the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.

• Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport.

• Your application will be processed, and your information will be cross-checked at the bank level.

• In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

• You will receive the HDFC Easy EMI Credit Card by post at the same postal address.

• Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the HDFC Bank Card website or mobile app or by calling customer service.

• For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.

Would getting an HDFC Bank Easy EMI Credit Card in 2025 be right?

Yes, the HDFC Bank Easy EMI Credit Card in 2025 can prove to be a good option if you eat, watch movies, and shop excessively. The card provides beneficial rewards such as savings on movie tickets, additional points on dining, and lifestyle privileges.

If you pay with your credit card frequently for such purchases, you can save a lot of money in the long term. The yearly fee is low and can be exempted if you spend sufficiently within the year. Just ensure you pay your bills in time to prevent fees. So, if your usage pattern is compatible with the rewards of this card, it can be a good choice for 2025.

Conclusion

The HDFC Bank Easy EMI Credit Card is a smart and sensible card for all those who want to spend freely without needing to pay the full amount immediately. This card enables you to convert your big purchases of ₹10,000 and above into small and easy monthly installments (EMIs). This makes your monthly budget less tense and more free to spend on what you want or require.

One of the biggest advantages of this card is that it converts the EMI automatically, so you do not have to call the bank or apply separately. It also provides you with excellent cashback rewards, particularly on shopping via PayZapp and SmartBuy. You can earn real rewards, avail fuel surcharge waivers, and experience contactless payments for extra convenience.

The Credit card has a joining fee of ₹500, but if you spend ₹20,000 in the first 90 days, they waive the fee. Analogously, the annual fee can be waived if you spend ₹50,000 or more in a year. Thus, if you use this card intelligently, you can reap all its benefits at virtually no cost.

Frequently Asked Questions (FAQ’s)