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HDFC Bank Debit Card EMI – Features, Benefits, Fees & Charges

Home Debit Card HDFC Bank Debit Card EMI – Features, Benefits, Fees & Charges

With HDFC Bank Debit Card EMI you can avail high-value purchases even when you do not have enough balance in your bank account. Instead of paying the amount in full, you can opt for Easy EMIs by paying just Re. 1 and rest in EasyEMIs. HDFC Debit Card Easy EMIs can be availed at both online and offline purchases of apparel, electronics, furniture, home appliances and more. However, note that this must be as per the minimum and maximum amount limits. Read on to know more about HDFC Bank EASYEMI on Debit Card.

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Updated: 05-01-2026 08:17:10 AM

EASYEMI on HDFC Bank Debit Card
Convenience/Processing Fee
  • Rs. 299 + GST
  • Rs. 499 + GST (For Special programs under “Pay in Parts”)
Interest Rate 16% – 20% p.a. as per scheme
Minimum Loan Amount Rs. 3,000
Maximum Loan Amount Rs. 5 Lakh
Tenure 3 to 24 month
Benefits
  • No money blocking in the account
  • Pay Re. 1 & rest in Easy EMIs
  • Instant approvals and Disbursals
  • No Documentation
  • Avail 100% financing without down payment

Note: Rates and Charges updated as of January 2026.

Features of HDFC Bank Debit Card EMI
HDFC Debit Card EMI - Fees & Charges
How to Check Eligibility for Availing EMI on HDFC Bank Debit Card?
Top Brands Associated with HDFC Bank for Debit Card EMI
Important Things to Know

Features of HDFC Bank Debit Card EMI

  • As mentioned above, with EMI on a debit card via HDFC Bank, you can purchase anything even when you fall short of funds. You just need to pay Re. 1 to authenticate your debit card, and the remaining amount is granted as a loan, to be repaid via EMIs. Thus, there is no blocking of money in your linked bank account
  • HDFC Bank also offers No extra cost EMI facility on its debit card across selected merchants such as Samsung, LG, and Sony*. This means that you can avail EMI facility on a debit card without paying additional interest charges, if you shop across the associated merchant partner
  • The debit card EMI facility is a form of loan, thereby it involves processing charges, which is a one-time fee paid along with the first EMI. HDFC charges a low processing fee of Rs. 299+ GST on Debit card EMIs
  • You have the flexibility to choose your choice of tenure ranging from 3 to 24 months, as per your convenience and repayment ability
  • Since you are an existing customer of the bank, your loan request for opting for EMI on a debit card is approved quickly. Thereby, instant approval and disbursal of the loan without any hassle. Note that, you do not need to present any documents to avail EMI on your debit card
  • HDFC debit card EMI offers financing up to 100% without any down payment requirements for the purchase of products and services, and even for medical assistance

HDFC Debit Card EMI - Fees & Charges

Fee Type Details
Auto-debit Return Penal Rate 2% plus GST @18% (minimum of Rs. 531)
Late Payment Fee Rs. 550 plus GST @18%
Pre-closure Charges 3% of the balance principal outstanding plus GST @18%
Rate of Interest 16% – 20% (Applicable as per scheme)
Cooling Off/Lock-Up Period
 3 days

Note: Fees and Charges updated as of January 2026.

Click here for more details on HDFC debit card fee & charges.

How to Check Eligibility for Availing EMI on HDFC Bank Debit Card?

You can check your eligibility for EMI on HDFC debit card with your registered mobile number in the following ways:

  • Via WhatsApp: Text EasyEMI to 70700 22222
  • Via EVA chatbot: Type ‘DCEMI’
  • Via SMS: SMS MYHDFC to 5676712
  • Via Missed call to 9643 22 22 22

However, note that the minimum loan amount you can avail is Rs. 5,000 and the maximum amount is Rs. 5 Lakh. When it comes to documentation, no documents are required to avail this facility, as you are an existing HDFC Bank customer.

Top Brands Associated with HDFC Bank for Debit Card EMI

Category Brands
Health & Wellness/Hospitals Dr Batra, Total Dental (Sabka Dentist), Vibes, Kaya, VLCC, Indira IVF, Clove Dental, Kolors, Apollo
Furniture/Home Decor Livspace, Royal Oak, Homelane, Home Town, Damro and many more
Apparels, Shoes & Accessories Alda, Manyawar, Indian Terrain, Hush Puppies, Bath & Body Works, Adidas, Sephora, Charles & Keith, Central, USPA, Puma, Ethos, Shoppers Stop, Flying Machine, Titan Helios
Electronics and Smartphones Apple, OnePlus, LG, Samsung (electronics & mobile), Sony, Whirlpool, Bosch, etc.
Laptop/ Tablets Apple (Macbook, iPad), Dell, Samsung (tablets), HP and many more
Education Klassroom, Whitehat Jr, Unacademy, BYJUs, Lido Learning, Vedantu, etc.

Important Things to Know

  • The associated merchants with HDFC Debit Card EMI may change from time to time. Also, the facility is optional at the merchant’s end and may be withdrawn anytime
  • Taxes are applicable on all fees, interests, and charges associated with this service. The tax calculation may be revised as per Government of India guidelines
  • In case of pre-closure of Debit card EMI or cancellation of the order, the processing fee charges are not reversed
  • If you are eligible to earn cashback (eligible only if mentioned on the charge slip) on EMI transactions, it is posted only on the clearance of all EMIs. If any of the EMI is bounced, cashback is not applicable. Also, no cashback is earned on a cancellation or pre-closure of a loan
  • You can foreclose the loan after the payment of 3 EMIs and not before that
  • In case you opt for in-store debit card EMI with HDFC card, ensure that you retain your charge slip for 180 days.

Check in-detail terms and conditions associated with HDFC Bank Debit Card EMI, here.

FAQs

Q. What is HDFC EasyEMI facility offered to its customers?

Easy EMI is a banking service offered by HDFC bank that helps you convert your large ticket purchases made via debit card into Equated Monthly Instalments (EMIs) instead of paying the full amount.

Q. Who is eligible to avail HDFC Easy EMI on large ticket transactions?

Individuals having a linked savings/current account and using a participating merchant are eligible to avail HDFC Easy EMI.

Q. What is the processing fee charged by HDFC bank on its EasyEMI facility available on debit card?

The HDFC bank charges Rs. 299 + GST per transaction on using its EasyEMI facility on debit cards.

Q. What is the repayment tenure offered by HDFC bank on its EasyEMI?

The repayment tenure offered on EasyEMI facility generally ranges between 3 to 24 months.

Q. Is there an option of pre-closing my EasyEMI with HDFC bank?

Yes, you can pre-close your EasyEMI but you have to pay an additional charge on the outstanding principal amount plus applicable taxes, as defined by the HDFC bank.

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