The HDFC Bank Easy EMI credit card provides its customers with exciting CashBack offers and Easy EMI conversions for eligible purchases. It comes with a joining fee of Rs. 500 and gives you great welcome benefits, including 500 CashPoints and gift vouchers worth Rs. 1,000. The card gives a 5% cashback on shopping via Payzapp & Smartbuy, a 2.5% cashback on all online purchases, and a 1% cashback on all offline purchases. In short, you get a cashback on almost all your purchases, which is an amazing feature of this card.
This card earns you cashback in the form of CashPoints and you can use these CashPoints for redemption against your statement balance at a really good rate of 1 CashPoint = Re. 1. These can be used for several other purposes as well with a different redemption rate. Moreover, you can get your joining and renewal fee waived off on the basis of your spends. To know all about the HDFC Bank Easy EMI Credit Card, its fee & charges, and benefits in detail, keep reading the information given below:
- Joining Fee- Rs. 500 (plus applicable taxes)
- Renewal Fee- Rs. 500 (plus applicable taxes)
- Best Suited For- Shopping
- Reward Type- Reward Points
- Welcome Benefits- Get 500 CashPoints as a welcome bonus.
Rewards and Benefits
- Movie & Dining- NA
- Rewards Rate- 2.5% cashback on all online purchases. 1% cashback on all offline purchases.
- Reward Redemption- 1 CashPoint = Re. 1 for redemption against cash and product/vouchers, 1 CashPoint = Rs. 0.30 for redemption against flight/hotel bookings.
- Travel- N/A
- Golf- N/A
- Domestic Lounge Access- N/A
- International Lounge Access- N/A
- Insurance Benefits- N/A
- Zero Liability Protection- Zero Liability Protection is provided in the case of a lost/stolen card if reported to the HDFC Bank within 24 hours after losing the card.
Fees & Charges
- Spend based Waiver- The joining fee is waived off on spending Rs. 20,000 or more within the first 90 days after receiving the card. Renewal fee waived off on spending Rs. 50,000 or more in the previous year.
- Rewards Redemption Fee- Rs. 99 (plus applicable taxes)
- Foreign Currency Markup- 3.5% on all foreign currency transactions (plus applicable taxes)
- Interest Rates- 3.6% per month (43.2% per annum)
- Fuel Surcharge- 1% fuel surcharge is waived off for all fuel transactions between Rs. 400 and Rs. 5,000 (maximum benefit of Rs. 250 in a month).
- Cash Advance Charge- 2.5% of the amount transacted or Rs. 500 (whichever is higher)
- Add-on Card Fee- Nil
Product Details
- A welcome bonus of 500 CashPoints.
- A cashback of 5% on Amazon, Flipkart, Hotel, and Flight bookings on shopping through Payzapp using your HDFC Bank Easy EMI Credit Card.
- A cashback of 2.5% on all online purchases, and 1% cash back on offline purchases.
- All the spends of Rs. 10,000 or above are automatically converted to Easy EMI.
- Spend-based waiver of joining fee and renewal fee.
- 1% fuel surcharge waiver.
- Gift-vouchers worth Rs. 1,000 on spending Rs. 1,00,000 or more in one calendar quarter.
HDFC Bank Easy EMI Credit Card Rewards:
- You get a cashback of 5% on Amazon, Flipkart, hotel/flight bookings on shopping through PayZapp or Smartbuy for a minimum transaction of Rs. 2,000. You can get a maximum cashback of Rs. 1,000 per month for the first 6 months after issuance of the card, and a maximum benefit of Rs. 750 after 6 months of card issuance.
- You get a cashback of 2.5% on all online purchases for a minimum transaction of Rs. 2,000. The maximum benefit is capped at Rs. 750 per calendar month.
- You get a cashback of 1% on all offline spends for a minimum purchase of Rs. 100. The maximum benefit is capped at Rs. 750 per calendar month.
- All the spending of Rs. 10,000 or more can be auto-converted into Easy EMI for 9 months. The auto conversion can not be done for fuel, gold, or jewelry purchases.
- Cashpoints are valid for 1 year from the date of accumulation.
Welcome Benefits
- You get a bonus of 500 CashPoints as a welcome benefit.
- Gift vouchers worth Rs. 1,000 on spending Rs. 1,00,000 or more each calendar quarter (for the first year only).
HDFC Bank Easy EMI Credit Card Rewards Redemption
- The cashback is given to you in the form of CashPoints that you can redeem against your statement balance on request. For redemption against statement balance, 1 CashPoint = Re. 1. You should have a minimum of 2,500 CashPoints for redemption against statement balance.
- You can also use these CashPoints for redemption against Hotel/Flight bookings and Rewards catalog at the Smart Buy Rewards Portal with a redemption rate of 1 CashPoint = Rs. 0.30.
- The HDFC Bank charges a Reward redemption fee of Rs. 99 + GST.
Joining and Renewal Fee Waiver
- The joining fee (first-year membership fee) is waived off if you spend Rs. 20,000 or more within the first 90 days after issuance of the card.
- The renewal fee is waived off on spending Rs. 50,000 or more in the previous year.
Fuel Surcharge Waiver
You get a fuel surcharge waiver 0f 1% on fuel transactions across all fuel stations in India subject to a max discount of Rs. 100 per statement cycle.
Eligibility Criteria For The HDFC Bank Easy EMI Credit Card
| Salaried Employees | Self-Employed Individuals | |
| Age | 21 Years – 60 Years | 21 Years – 65 Years |
| Income | Minimum Rs. 10,000 per month | Minimum Rs. 6,00,000 per annum (as per ITR) |
Documents Required
Apart from fulfilling the eligibility requirements, you should also make sure that you have the following documents ready with you before applying for the HDFC Bank Easy EMI Credit Card:
- Identity Proof (any one of these): Aadhar Card, Voter’s Card, Driving License, PAN Card, etc.
- Address Proof (any one of these): Electricity/water bills of the latest months, Passport, Aadhar Card, Rent agreement, or any other government-approved address proof.
- Income Proof: Latest salary slips (if you are a salaried employee), or latest audited ITR (if you are self-employed).
Application Process For The HDFC EasyEMI Credit Card
To apply for the HDFC Bank Easy EMI Credit Card online, you can follow a few simple steps as mentioned below:
- Visit HDFC Bank’s official website.
- Under the section ‘Pay,’ click on Cards and then on Credit Cards.
- Choose the HDFC Easy EMI Card under the ‘EMI’ category.
- Click on apply now.
- Proceed further by filling in the required details.
You can also apply offline if you don’t prefer online methods. For this, you will have to visit your nearest HDFC branch with all the necessary documents as mentioned below. After that, you can simply ask for the credit card application form and fill it out carefully.
Conclusion
The HDFC Bank Easy EMI credit card comes with unique features, such as Easy EMI conversions and exclusive cashback offers on online as well as offline shopping giving you a great chance to save on all your purchases. One more of its best parts is that it allows you to use your CashPoints for redemption against your Statement Balance on request, that too with a rate of 1 CashPoint = Re. 1, which is really good. Moreover, it has a nominal joining and renewal fee of Rs. 500, which can be waived off on the basis of your spending.
Keeping all its benefits in mind, it can be concluded that this card with exciting cashback offers and other benefits is really a significant choice to have. So, you can undoubtedly go for the HDFC Bank Easy EMI Credit Card.
