Micro Enterprises Credit Card

Low Interest rate of 1.5%/month & Up to 55 days of interest-free credit

Easyemi Credit Card

Card Benefits & Features

CashPoint Benefits

  • Earn CashPoints on everyday Business spends.

Interest-Free Credit Period

  • Up to 55 days of interest-free credit.

Welcome Gift Voucher Offer

  • Get a ₹250 gift voucher on your first transaction within 37 days.

Print

Know more about Micro Enterprise Card

Credit Card Management & Controls

    Netbanking

    To enable card controls for your HDFC Bank Credit Card through NetBanking, follow these steps:

    1. Log in to HDFC Bank NetBanking using your Customer ID.

    2. Go to the Cards Tab >Select the card > Click Manage card>Manage Domestic and International Limits.

    3. You will be able to view your existing daily domestic and international usage limits.

    4. Enable or disable Online, Contactless, and International usage based on your preference.

    5. Click ‘Update’, enter the OTP received on your registered mobile number, and then click ‘Continue’.

    6. Your selected card controls will be updated instantly.

    Mobile Banking

    To enable card controls for your HDFC Bank Credit Card conveniently through our HDFC Bank MobileBanking App, follow these steps:

    1. Open the HDFC Bank MobileBanking App and log in using your credentials.

    2. Go to the ‘Cards’ section from the menu.

    3. Select the HDFC Bank Credit Card for which you want to enable card controls.

    4. Click ‘Manage Limits’, then enable/disable transaction types such as Online Transactions, Contactless Payments, and International Usage, or set transaction limits according to your preference.

    5. Click ‘Update’ to confirm your changes and enter your MPIN. The updated card control settings will be applied instantly.

    For more detailed management, you can also use our MyCards platform at https://mycards.hdfc.bank.in/ which offers a seamless experience without the need for passwords or downloads.

    MyCards

    To enable card controls for your HDFC Bank Credit Card via MyCards, follow these steps:

    1. Visit the MyCards portal- https://mycards.hdfc.bank.in/ on your desktop or mobile.

    2. Log in using your registered mobile number and the OTP received.

    3. For first-time users, enter the last four digits of your card.

    4. On the card homepage, click the ‘Card Control’ tab.

    5. Enable/disable features such as Online Transactions, Contactless Transactions, International Usage, and set usage limits as per your preference.

    6. Confirm your settings, and the changes will be applied instantly.

    PayZapp

    You can conveniently enable card controls for your HDFC Bank Credit Card through PayZapp by following these steps:

    1. Open the PayZapp app and log in using your credentials.

    2. On the homepage, tap the ‘MyCards’ tab> Select ‘Go to MyCards’.

    3. Log in using your registered mobile number and the OTP sent to your mobile.

    4. If you are a first-time user, enter the last four digits of your HDFC Bank Credit Card.

    5. On the card homepage, tap the ‘Card Control’ tab.

    6. Enable or disable features such as Online Transactions, Contactless Transactions, and International Usage, or set usage limits according to your preference.

    7. Confirm your settings. The updated card control settings will be applied instantly.

    WhatsApp Banking

    To enable card controls for your HDFC Bank Credit Card using WhatsApp Banking, follow the steps given below:

    1. Add HDFC Bank’s official WhatsApp number – 7070022222– to your contacts.

    2. Send the text "Credit Card" to this number.

    3. You will receive a reply with options. Choose the option “Manage My Card”

    4. You will receive a reply with options to select “Domestic / International/ Enhance limits”

    5. Choose the option you want to enable, such as Domestic Online Transactions, Contactless Transactions, or International Transactions.

    6. Enter the transaction limit you want to set. An OTP will be sent to your registered mobile number. Enter the OTP to confirm the change.

    7. Enter the last 4 digits of your Credit Card number.

    8. The current status of the selected transaction type will be shown as Enabled.

    IVR

    To enable or modify your HDFC Bank Credit Card controls and transaction limits, you can contact HDFC Bank's toll-free numbers:

  • Toll-free numbers: 1800 1600 or 1800 2600 (available from 8 am to 8 pm)
  • For overseas travel assistance: 022-61606160
  • By contacting our toll-free numbers, you can enable/modify limits for Domestic, International, Online, Contactless, ATM, and POS transactions on your Debit or Credit Card.

Banking and Digital Convenience

Reward Point/Cashback Redemption & Validity

The Micro Enterprise Card is designed for everyday business spending, offering accelerated rewards on essential categories like fuel and bill payments. With flexible credit periods and value-driven CashPoints, it is a practical option for small business owners looking to optimise their expenses.

Feature Details
Accelerated Earn 2X CashPoints on fuel and bill payments on achieving ₹10,000 spends per billing cycle (capped at 500 CashPoints per cycle)
Core Earn 2 CashPoints per ₹200 on other spends (excluding rent, wallet, education, EMI), capped at 5,000 CashPoints per billing cycle
Fuel Surcharge Waiver 1% waiver on fuel transactions
APR 18%
Interest-Free Period Up to 55 days
Value of CashPoints 1 CashPoints = ₹0.20
Joining / Renewal Fee No Joining fee
Banking and Digital Convenience

Most Important Terms & Conditions

  • *The Most Important Terms and Conditions for each of our banking offerings features all the specific terms and conditions that govern their use. You must go through it thoroughly to fully understand the terms and conditions applicable to any banking product you choose.
Card Reward and Redemption

Frequently Asked Questions

To apply, you need to submit any of the following documents:

  • Income Tax Return (ITR)
  • GST Returns
  • Udyam registration Number

To be eligible for the HDFC Bank Micro Enterprise Credit Card, you must:

  • Be a self-employed Indian citizen aged 21 to 65 years.
  • Have an annual Income Tax Return (ITR) above ₹6 lakh.

Here are some of the key features of the HDFC Bank Micro Enterprise Credit Card:

  • 2X CashPoints on fuel and bill payments on achieving ₹10,000 spends per billing cycle (capped at 500 CPs per cycle)
  • 2 CP per ₹200 on other spends (excluding rent, wallet, education, EMI), capped at 5,000 CPs per billing cycle
  • 1% fuel surcharge waiver
  • Up to 55 days of interest-free credit
  • Low interest rate of 1.5% per month (APR 18%)
  • Value of 1 CashPoint = ₹0.20

Below are some of the notable benefits of the Micro Enterprise Credit Card:

  • Earn CashPoints on everyday business spends
  • Get a ₹250 gift voucher on your first transaction within 37 days
  • Enjoy accelerated rewards on fuel and utility payments
  • Avail business insurance benefits
  • Better cash flow management with an interest-free period  

You can manage your Micro Enterprise Credit Card through NetBanking or Mobile Banking by tracking spends, redeeming CashPoints, paying bills, and monitoring transactions conveniently.

Micro Enterprise Credit Card

  • Low Interest rate of 1.5%/month 
  • Up to 55 days of interest-free credit. 
  • 1% Fuel Surcharge Waiver
Micro Enterprise Card