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Key Features
Cardless EASYEMI Options
Most Important Terms & Conditions
With our ‘Full Finance’ feature, enjoy 100% funding for your purchase along with our no-down-payment feature. You can make purchases simply by providing your mobile number and PAN, without having to submit additional documents. Flexible Repayment options range from 3 to 24 months, keeping your EMIs affordable. Get Instant Approval within minutes, shop at multiple leading stores and access Cardless EASYEMI Online for a minimal fee of ₹299 plus GST.
HDFC Bank Cardless EASYEMI offers 100% financing, flexible tenures (3-24 months), instant approvals, no documentation, no Card required and is available across various stores and online platforms for a convenient and seamless shopping experience.
Visit a store and select a product. At the billing counter, opt for the Cardless EASYEMI option. Provide your 10-digit mobile number and PAN number. Share the OTP you have received with the retailer to complete the transaction. Click here to view the partners under Cardless EASYEMI.
Cardless EASYEMI is available to select HDFC Bank customers who have received a pre-approved offer from the Bank. Customers can check their eligibility and available limit by sending ‘EASYEMI’ on WhatsApp to 70700 22 22 22 from their registered mobile number.
The minimum amount to avail Cardless EASYEMI is ₹3,000, while the maximum amount is up to ₹5,00,000, subject to the customer’s pre-approved offer.
This is available both in-store and online.
It is available on electronics, mobile, wellness, personal care, travel, insurance, home décor and much more.
No, there is no down payment or documentation required to avail Cardless EASYEMI. The entire process is fully digital, making the experience quick and convenient.
Rs.299 + GST
2% + GST @ 18% whenever applicable (subject to change as per Govt. instruction), subject to a minimum of Rs 531 (450 plus GST@18%).
Non-Payment or partial payment of EMI outstanding will attract a late payment penalty of Rs. 550 + GST @ 18% (subject to change as per Govt. instruction) irrespective of the EMI outstanding, subject to a minimum of Rs 354 (300 plus GST@18%).
Pre-closure of the loan will currently attract a charge of 3% of the balance principal outstanding + GST @ 18% (subject to change as per Govt. instruction). Cooling off/look-up period is 3 days, during which borrower shall not be charged any penalty on prepayment of loan.
You can avail from 3 months up to 48 months but this will vary from brand to brand.
