Micro Enterprises Credit Card

What's In Store For You

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

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