How Can I Convert my HDFC Credit Card Payment to EMI?

Have you racked up a high credit card bill this month? Worried about paying off the entire amount at once? We have good news! HDFC Bank offers the facility to convert your credit card bill into manageable EMIs (Equated Monthly Installments) through the SmartEMI platform. This guide will walk you through the SmartEMI service and the steps to avail it.

SmartEMI is a convenient facility that allows HDFC Bank credit cardholders to convert their credit card bills into EMIs. While this service is available to many cardholders, you must meet certain eligibility criteria to use it. It's important to note that when you opt for SmartEMI, your credit limit is temporarily blocked.

Most credit card transactions can be converted into EMIs, except for purchases of gold or jewelry, and transactions older than 60 days.

To convert your HDFC Bank credit card bill to EMI, you first need to check if your card is eligible. This can be done through NetBanking or PhoneBanking.

NetBanking

Here’s a step-by-step guide to check your eligibility and convert your bill into EMIs using HDFC Bank NetBanking:

1. Log in to your HDFC Bank NetBanking account.

2. Click on the 'Cards' tab.

3. Under 'Credit Card', select 'Transact' and then choose 'SmartEMI'.

4. An unbilled transactions page will appear. Select your specific card.

5. Choose 'Debit' as your transaction type and click 'View'.

6. A list of eligible transactions for SmartEMI will appear. Click on the 'Check Eligibility' option for a particular transaction.

7. A detailed summary of the transaction, including card number, spending limit, loan amount, interest rate, and tenure, will be displayed. Select the tenure that suits you best.

8. Confirm the terms and conditions by selecting 'Submit'. A final overview of the loan details will be displayed.

9. On confirming the transaction, an acknowledgment message and reference loan number will be sent via SMS.

Once processed and approved, you have successfully converted your HDFC Bank credit card bill into EMIs online.

PhoneBanking

If you prefer, you can also convert your billed credit card amount to EMI through HDFC Bank's PhoneBanking service:

1. Call the customer care number specific to your city.

2. Inform the customer care executive that you wish to convert your credit card bill into EMIs.

3. Discuss the interest rate, available amount, and repayment tenure.

4. After confirmation, your loan will be instantly approved without any additional documentation.

This facility allows you to convert your credit card bill to EMI effortlessly.

• Manageable Payments: Spread the cost of your purchases over several months.
• Flexibility: Choose from different tenures and interest rates based on your eligibility.
• Convenience: Easy conversion through NetBanking or PhoneBanking.

Now that you know how to convert your credit card bill to EMI with HDFC Bank, you can enjoy your shopping without the stress of hefty bills. To convert your HDFC Bank credit card payment to SmartEMI, click here.

With SmartEMI, managing your finances becomes easier, allowing you to make large purchases without worrying about immediate payment. Enjoy the flexibility and convenience of converting your credit card bill to EMIs today!

*Terms and conditions apply. Credit Card approvals at the sole discretion of HDFC Bank limited. Credit Card approvals is subject to documentation and verification as per Banks requirement