HDFC Bank EasyEMI Credit Card – Low Fee Shopping Credit Card

EasyEMI Facility – Any transaction made above Rs.10,000 will be converted into EasyEMI facility for 9 months. Auto conversion not applicable on gold, jewellery and fuel transactions.

Welcome benefits – 500 Cash Points (applicable only on payment of membership fee). Rs.1,000 worth gift vouchers on spends of Rs.1,00,000 and above in each calendar quarter, for the first year only.

Cashback – Earn 5% cashback on Amazon, Flipkart, Flight & Hotel bookings on shopping via PayZapp and SmartBuy (minimum transaction size of Rs. 1,000)

• Max Rs.1,000 CashBack per calendar month in first 6 months
• Max Rs.750 CashBack post 6 months from card issuance

2.5% CashBack on all online spend (minimum transaction size of Rs.2000, maximum CashBack = Rs.750 / calendar month)

1% CashBack on all offline spends and Wallet reloads (Minimum transaction size of Rs.100, maximum CashBack = Rs.750 / calendar month)

Milestone Benefit – Spend Rs.20,000 & above in the first 90 days and get the first-year membership fee waived off.

Renewal Offer – Spend Rs.50,000 and above in the first year and get a waiver on the renewal membership fee.

Redeem Cashback –  The cashback earned with this credit card will be given in the form of Cashpoints. The cashback points are valid for a year from the date of purchase. The minimum CashPoint balance required for redemption against the statement balance is 2500 CashPoints.

• The redemption against the statement balance will be at the rate of 1 CashPoint = Rs.1
• CashPoints can also be used for redemption against travel benefits like Flight & Hotel bookings and Rewards Catalogue at the SmartBuy Rewards Portal, at a value of 1 CashPoint = Upto Rs.0.30

Fuel Surcharge Waiver – 1% fuel surcharge is waived off on all the fuel transactions with a minimum transaction of Rs.400

Contactless Payment Technology – To make card payments safer and easier, HDFC EasyEMI comes with contactless technology which makes the payment fast and convenient for the cardholders.

 Suggested Read – Our Review of HDFC EasyEMI Credit Card

The fee and charges of HDFC EasyEMI credit card are mentioned in the table below:

Type of Fee/Charge	Amount
Joining Fee	Rs. 500 + applicable taxes
Annual Fee	Rs. 500 + applicable taxes
Finance Charges	3.75% p.m. | 45% p.a.
Late Payment Charges	For Statement Balance: Up to Rs. 100: Nil Rs. 101 to Rs. 500: Rs. 100 Rs. 501 to Rs. 1,000: Rs. 500 Rs. 1,001 to Rs. 5,000: Rs. 600 Rs. 5,001 to Rs. 10,000: Rs. 750 Rs. 10,001 to Rs. 25,000: Rs. 900 Rs. 25,001 to Rs. 50,000: Rs. 1,100 More than Rs. 50,000: Rs. 1,300

*Click Here for most important terms and conditions.

The applicant must fulfill the below-mentioned eligibility criteria to apply for HDFC Easy EMI Credit Card:

Criteria	Details
Occupation	Salaried or Self-employed
Age Requirement	21 to 60 years
Minimum Income for Salaried	Rs. 10,000 p.m.
Minimum Income for Self-Employed	ITR> Rs. 6 lakh p.a.
Serviceable Cities	Click here for the list of eligible cities
Documents Required	Click here for the list of acceptable documents

The finest feature of the HDFC Bank EasyEMI Credit Card is the automated conversion of large transactions of Rs. 10,000 or more into EMIs. Therefore, this card can be useful if you believe you regularly spend more than Rs. 10,000 in a single transaction and need the money to be split into EMIs. However, you may still use the Smart EMI service to have large purchases turned into EMIs, which is a better alternative than the EasyEMI Card, assuming you are able to acquire some other basic cards from HDFC Bank, such as HDFC MoneyBack.

Credit Card	Annual Fee	Key Features and Rewards
HDFC EasyEMI	Rs. 500	Any transaction made above Rs.10,000 will be converted into EMI for 9 months
ICICI Bank Coral Contactless Card	Rs.500	Earn 2 PAYBACK points per Rs. 100 spent
HSBC Smart Value Credit Card	Rs. 499	Earn 1 reward point for every Rs. 100 spent and 3X accelerated reward points on online, dining, and telecom categories
SBI SimplyCLICK Credit Card	Rs. 499	Earn10X reward points on online spends with partner brands
HDFC Moneyback Credit Card	Rs. 500	2 reward points accrue for every Rs. 150 spent
ICICI Bank Amazon Pay Credit Card	Nil	Amazon Prime users can avail 5% cashback on purchase at Amazon.in

What are the benefits of HDFC EasyEMI credit card?

You can use an HDFC EasyEMI credit card as your regular credit card. One of the key highlights of this card is that all transactions made above Rs.10,000 get converted to automatic EMI conversation for a period of 9 months. You will also earn some assured rewards and cashback on online and offline purchases.

Will transactions below Rs.10,000 be converted to EMI?

No, only transactions above Rs.10,000 will be converted into EasyEMI.

Is there any renewal fee waiver on the HDFC EasyEMI credit card?

Yes. On spending Rs.50,000 in a year, your next year’s renewal fee will get waived off.

What is the fuel surcharge waiver on this card?

The card comes with 1% fuel surcharge waiver along with welcome gift voucher of Rs.1000 on spending Rs.1 lakh in every calender quarter for the first year.