HDFC Bank Easy EMI Credit Card, Rewards and Benefits, Joining Fees & Charges, Apply Online

HDFC Bank Easy EMI Credit Card: The HDFC Bank Easy EMI Credit Card – your ultimate companion for convenient shopping and rewarding experiences. For just a nominal joining fee of Rs. 500, unlock a wealth of benefits:

• Enjoy 500 CashPoints and receive gift vouchers worth Rs. 1,000 as welcome benefits.
• Earn generous CashBack rewards on every purchase:
  • 5% CashBack on PayZapp and SmartBuy transactions.
  • 2.5% CashBack on online purchases.
  • 1% CashBack on offline purchases.

With CashPoints accruing with every swipe, you can redeem them against your statement balance at a fantastic rate of 1 CashPoint = Re. 1.

Plus, based on your spending patterns, enjoy the perk of having your joining and renewal fees waived.

Experience the convenience, savings, and rewards that come with the HDFC Bank Easy EMI Credit Card – your key to a seamless shopping experience.

Rewards and Benefits

Introducing the HDFC Bank Easy EMI Credit Card – your gateway to seamless shopping experiences and rewarding benefits. Let’s delve into the unique features and advantages of this card:

• Movie & Dining- N/A
• Rewards Rate- Enjoy 2.5% cashback on all online purchases and 1% cashback on all offline purchases, ensuring rewards on every transaction, whether you’re shopping from the comfort of your home or at your favorite local stores.
• Reward Redemption- With every swipe, earn CashPoints that offer flexibility in redemption:
  – Redeem 1 CashPoint for Re. 1 against cash or product/vouchers.
  – For flight/hotel bookings, redeem 1 CashPoint for Rs. 0.30, maximizing the value of your rewards.
• Travel, Golf, Domestic & International Lounge Access, Insurance Benefits- N/A
• Zero Liability Protection- Rest easy with Zero Liability Protection – if your card is lost or stolen, report it to HDFC Bank within 24 hours to benefit from comprehensive protection against unauthorized transactions.

The HDFC Bank Easy EMI Credit Card is not just a card – it’s your partner in making every purchase rewarding and hassle-free. Experience the convenience and peace of mind it offers, and unlock a world of possibilities with every swipe.

Fees & Charges

Introducing the HDFC Bank Easy EMI Credit Card – your key to unlocking a world of rewards and convenience. Let’s explore the unique features and benefits of this card:

• Spend Based Waiver- Experience the joy of savings with the joining fee waived off when you spend Rs. 20,000 or more within the first 90 days after receiving your card. It’s our way of welcoming you to a seamless shopping experience.
• Renewal Fee Waiver- Continue to enjoy the perks of your card without the hassle of renewal fees. Simply spend Rs. 50,000 or more in the previous year to have your renewal fee waived off, rewarding your loyalty and consistent usage.
• Rewards Redemption Fee- With just a nominal fee of Rs. 99 (plus applicable taxes), unlock the flexibility to redeem your rewards hassle-free, ensuring maximum value for your earned CashPoints.
• Foreign Currency Markup- Travel with confidence knowing that your foreign currency transactions incur a markup of only 3.5% (plus applicable taxes), ensuring transparency and convenience wherever you go.
• Interest Rates- Benefit from competitive interest rates of 3.6% per month (43.2% per annum), ensuring manageable repayment options and peace of mind in managing your finances.
• Fuel Surcharge- Enjoy the convenience of fuel transactions with a 1% fuel surcharge waiver for all transactions between Rs. 400 and Rs. 5,000, providing a maximum benefit of Rs. 250 in a month.
• Cash Advance Charges- Access cash effortlessly with cash advance charges set at 2.5% of the amount transacted or Rs. 500 (whichever is higher), ensuring flexibility and convenience when you need it most.
• Add-on Card Fee- Extend the benefits of your card to your loved ones with no add-on card fee, making it easy to share the convenience and rewards with your family.
• The HDFC Bank Easy EMI Credit Card is more than just a card – it’s your gateway to a world of savings, convenience, and rewards. Apply now and experience the difference firsthand.

Product Details

• Unlock a treasure trove of rewards with the HDFC Bank Easy EMI Credit Card! Dive into a world of perks tailored just for you:
• Kick-start your journey with a generous welcome bonus of 500 CashPoints, setting the stage for endless benefits.
• Shop smart and earn big with a remarkable 5% cashback on purchases made on Amazon, Flipkart, hotels, and flight bookings via Payzapp. Every transaction becomes a rewarding experience.
• Not stopping there, enjoy a lavish 2.5% cashback on all your online purchases and a delightful 1% cashback on offline transactions. Whether you’re browsing the web or exploring brick-and-mortar stores, rewards await at every turn.
• Say goodbye to hefty bills with automatic conversion to Easy EMI for all spends exceeding Rs. 10,000. Enjoy the convenience of managing your expenses effortlessly.
• Experience the freedom of a fee-free journey with a spend-based waiver on both joining and renewal fees. Your loyalty deserves to be celebrated, and we ensure your wallet stays happy.
• Hit the road worry-free with a 1% fuel surcharge waiver, making every journey a smooth ride. Save more as you travel, courtesy of your HDFC Bank Easy EMI Credit Card.
• Indulge in luxury with exclusive gift vouchers worth Rs. 1,000 when you spend Rs. 1,00,000 or more in a single calendar quarter. Elevate your shopping experience and treat yourself to something special, on us.
• With the HDFC Bank Easy EMI Credit Card, every swipe transforms into an opportunity for unparalleled rewards and unparalleled convenience. Join the league of savvy shoppers and embark on a journey filled with perks, privileges, and endless possibilities.

HDFC Bank Easy EMI Credit Card Rewards

HDFC Bank Easy EMI Credit Card Rewards program – your ticket to maximizing savings and unlocking exciting benefits. Here’s a breakdown of the exclusive cashback offers and redemption options:

Cashback Offers:

1. Enjoy a generous 5% cashback on Amazon, Flipkart, and hotel/flight bookings when you shop through PayZapp or SmartBuy, with a minimum transaction of Rs. 2,000. For the first 6 months after card issuance, enjoy a maximum cashback of Rs. 1,000 per month, followed by a maximum benefit of Rs. 750 thereafter.
2. Earn 2.5% cashback on all online purchases, with a minimum transaction of Rs. 2,000. Benefit from a maximum monthly cashback of Rs. 750.
3. Get 1% cashback on all offline spends, with a minimum purchase of Rs. 100. Enjoy a maximum benefit of Rs. 750 per calendar month.

Easy EMI Conversion: Simplify your expenses with automatic Easy EMI conversion for spends of Rs. 10,000 or more, spread over 9 months. Note that auto-conversion is not applicable for fuel, gold, or jewelry purchases.

CashPoints and Redemption:

• Cashback is credited to you in the form of CashPoints, valid for 1 year from the date of accumulation.
• Redeem your CashPoints against your statement balance, with 1 CashPoint equaling Re. 1. A minimum of 2,500 CashPoints is required for redemption.
• Alternatively, utilize CashPoints for redemption against Hotel/Flight bookings and the Rewards catalog at the Smart Buy Rewards Portal, with a redemption rate of 1 CashPoint = Rs. 0.30.
• Please note, HDFC Bank charges a Reward redemption fee of Rs. 99 + GST for redemption transactions.

The HDFC Bank Easy EMI Credit Card Rewards program is designed to elevate your shopping experience and offer unmatched value. Start earning and redeeming rewards today!

HDFC Easy EMI Credit Card Features

HDFC Bank Easy EMI Credit Card Welcome Benefits – your gateway to a world of rewards and savings. Here’s a detailed look at the exclusive benefits and privileges that await you:

Welcome Benefits:

1. Enjoy a bonus of 500 CashPoints as a warm welcome to the HDFC Bank family, adding instant value to your card membership.
2. Indulge in luxury with gift vouchers worth Rs. 1,000 on spending Rs. 1,00,000 or more each calendar quarter, valid for the first year of card membership only.

Joining and Renewal Fee Waiver:

• Say goodbye to joining fees with the first-year membership fee waived when you spend Rs. 20,000 or more within the first 90 days after receiving your card.
• Experience continued benefits without the hassle of renewal fees by spending Rs. 50,000 or more in the previous year.

Fuel Surcharge Waiver:

• Enjoy the convenience of fuel transactions with a 1% fuel surcharge waiver across all fuel stations in India. Benefit from a maximum discount of Rs. 100 per statement cycle, ensuring savings every time you refuel.

The HDFC Bank Easy EMI Credit Card Welcome Benefits offer a perfect blend of value, convenience, and rewards. Embrace a world of possibilities and start your journey to enhanced shopping experiences today.

Eligibility Criteria For The HDFC Easy EMI Credit Card

Apply Now for the HDFC EasyEMI Credit Card

To initiate your application process for the HDFC Bank Easy EMI Credit Card online, follow these straightforward steps outlined below:

1. Begin by clicking on the “Apply Now” button.
2. Provide the necessary details as prompted in the application form.
3. Once you’ve completed filling in your information, submit your application for processing.

Alternatively, if you prefer offline methods or face-to-face interaction, you can visit your nearest HDFC branch. There, you’ll be assisted in completing the credit card application process. Simply request the credit card application form, ensure you have all required documents handy, and fill out the form attentively before submitting it to the bank personnel.