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

• 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. Unlike regular debit card EMIs, when you opt for No extra cost EMI you pay EMIs only equivalent to the product’s value.*Note: List of associated merchant may change from time to time.
  
• 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.

Fee Type	Details
Auto-debit Return Penal Rate	2% plus GST @18% (minimum Rs. 550)
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)

Note: Fees and Charges updated as of August 2025.

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

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.

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.

• 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 preclosure 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.

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