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HDFC Bank
HDFC Bank EasyEMI Credit Card
Shopping
Cashback
1st Year Fee: ₹500* Plus Applicable Taxes
Rewards Benefits
1% cashback on all offline spends
Travel Benefits
5% cashback on flight & hotel booking
Online Shopping
5% cashback on Amazon & Flipkart
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About HDFC Bank EazyEMI Credit Card
HDFC Bank EazyEMI Credit Card is a cashback credit card designed for everyday spends and online shopping. Cardholders can earn 5% cashback on Amazon, Flipkart, flight, and hotel bookings made through PayZapp and SmartBuy on transactions of Rs. 2,000 or more. Other eligible online purchases above Rs. 2,000 earn 2.5% cashback, while offline spends and wallet reloads of Rs. 100 or more earn 1% cashback. The card also offers 500 CashPoints as a welcome benefit on activation, annual fee waiver on meeting the spending requirement, milestone benefits, and a 1% fuel surcharge waiver on eligible fuel transactions. Purchases above Rs. 10,000 are automatically converted into a 9-month EasyEMI, excluding gold, jewellery, and fuel transactions as per the card’s terms and conditions.
Note: This Card is not available on Paisabazaar.com. The content on this page is for information only. To express interest in this card, please visit HDFC Bank’s website.
Cashback Benefits
Cashback Benefits
- 5% cashback on Amazon, Flipkart, flight and hotel booking on a minimum transaction of Rs. 2,000 via PayZapp and SmartBuy
- 2.5% cashback on all online purchases of a minimum value of Rs. 2,000, capped at Rs. 750 per month
- 1% cashback on all offline spends and wallet reloads of a minimum value of Rs. 100, capped at Rs. 750 per month
Annual Fee Waiver1
- Annual fee will be waived on spending Rs. 50,000 in a year
Other Features and Benefits
EMI Facility
- Any transaction made above Rs.10,000 will be converted into EasyEMI facility for 9 months 2
Welcome Benefit1
- Complimentary 500 cash points on card activation
MIlestone Benefits1
- First-year membership fees waived on spends of Rs. 20,000 or more
- Gift vouchers worth Rs. 1,000 on spends of Rs. 1 Lakh and above in a quarter, for the first year only as launch offer
Fuel Surcharge Waiver
- 1% fuel surcharge waiver on minimum transaction of Rs. 400 – Rs. 5000, capped at Rs. 250 per statement cycle
HDFC Bank EazyEMI Credit Card: Fees & Charges
| Fee Type | Amount | ||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Joining Fee | Rs. 500 + Taxes | ||||||||||||||||||
| Annual Fee | Rs. 500 + Taxes | ||||||||||||||||||
| Finance Charges | 3.75% p.m. | 45% p.a. | ||||||||||||||||||
| Late Payment Charges |
|
Things to Know Before you apply
Get this card if:
You are looking for a cashback credit card with basic joining and annual fee
You frequently shop at Amazon and Flipkart
You are looking for a card and want to save on travel spends
Eligibility Criteria
Occupation: Salaried or Self-employed
Age Requirement: 21 to 60 years
Minimum Income for Salaried: Rs. 10,000 per month
Minimum Income for Self-employed: ITR> Rs. 6 lakh p.a.
Paisabazaar Review
What do we like about this card?
HDFC Bank EazyEMI Credit Card is suitable for consumers who frequently shop on Amazon and Flipkart, make online purchases, and prefer the flexibility of EMI payments. The card comes with a joining and annual fee of Rs. 500 + taxes. It offers 5% cashback on Amazon and Flipkart purchases and eligible travel bookings through PayZapp and SmartBuy, 2.5% cashback on other eligible online spends, and 1% cashback on eligible offline transactions. Purchases above Rs. 10,000 are automatically converted into a 9-month EasyEMI, subject to terms and conditions. Overall, this card is suitable for consumers looking for a credit card that offers rewards on everyday spends.
Pros
- 5% cashback on Amazon and Flipkart
- 5% cashback on travel spends
- 2.5% cashback on all online purchases
Cons
- Does not offer airport lounge visits
Frequently Asked Questions
Everything you need to know about this credit card
You can earn 5% cashback on Amazon, Flipkart, and flight and hotel bookings made through PayZapp and SmartBuy on transactions of Rs. 2,000 or more.
No. Only eligible transactions above Rs. 10,000 are automatically converted into a 9-month EasyEMI. Gold, jewellery, and fuel transactions are not eligible for auto-conversion.
Yes. The annual fee of Rs. 500 + taxes is waived if you spend Rs. 50,000 or more in a card anniversary year.
Yes. You earn 1% cashback on eligible offline spends and wallet reloads of Rs. 100 or more, subject to a monthly cashback cap.
No. This credit card does not offer complimentary domestic or international airport lounge access. You can explore our list of credit cards with complimentary domestic and international airport lounge access to find a card that suits your travel needs.
On activating your card, you receive 500 CashPoints as a welcome benefit, subject to the applicable terms and conditions.
Footnotes
- T&C applied.
- Auto conversion not applicable on gold, jewellery and fuel transactions.
Click here to know More Terms and Conditions
Samridhi Srivastava
Samridhi Srivastava is a personal finance content writer who simplifies complex financial topics for everyday readers. She writes about credit cards, credit scores, and other personal finance topics to make money management easier. Through her clear and practical writing, she helps individuals make confident and informed financial decisions.
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