No Swipe EMI Payment

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Effortless and Seamless Payments Experience

Dream Big, Pay Small
with Cardless EASYEMI

 

  • Select your product and pay in parts with Cardless EASYEMI
  • Enjoy seamless shopping in-store or online with just your PAN & Mobile number
  • Avail zero down payment on eligible purchases
  • Choose flexible EMI options based on your repayment preference, with tenures of up to 48 months

Effortless and Seamless Payments Experience

Dream Big, Pay Small
with Cardless EASYEMI

  • Select your product and pay in parts with Cardless EASYEMI
  • Enjoy seamless shopping in-store or online with just your PAN & Mobile number
  • Avail zero down payment on eligible purchases
  • Choose flexible EMI options based on your repayment preference, with tenures of up to 48 months

Here's All You Need To Know About Cardless EASYEMI

 

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Key Features of Cardless EASYEMI

Eligibility Criteria

  • HDFC Bank Cardless EASYEMI option is extended to select pre-approved customers
  • Check your Pre-Approved limit by sending ‘EASYEMI’ to 7070022222 on WhatsApp

This is available across categories like mobiles, electronics, wellness, personal care, home décor, insurance, travel and much more!

Key Features

Key Features

  • Pre-Approved Limit: Eligible customers can access a pre-approved credit limit ranging from ₹10,000 to ₹5,00,000
  • Cardless & Convenient: Shop using only your registered mobile number and PAN. No documents required
  • Flexible Repayment Tenure: Choose a repayment tenure of up to 48 months based on your preference
  • Instant Approval and Disbursal: Get instant approval and complete your transaction without waiting periods
  • Full finance: Get 100% finance to buy any products and services and pay a convenience fee of just ₹299 + GST
  • Available at leading stores and online merchants:Enjoy Cardless EASYEMI at popular stores such as Apple, Croma, Vibes, VLCC, SOTC, Berkowits, Total Dental, Kolors, Reliance Digital, Croma, Vijay Sales and online stores such as Amazon, Policy Bazaar, Simplilearn, Start Health, Toothsi, Flipkart, Myntra
Key Features

Cardless EASYEMI Merchants / Partners

Where can you use Cardless EASYEMI?

Category

Brands

Electronics and Smartphones

Apple, Oppo, TCL, Bosch & Seimens, Hisense, Philips TPV, Cruise, Whirlpool, VZY by Dish TV, Pureit By HUL, Native By Urban Company, AO Smith, Kent, Microsoft, JBL, Marshall, etc.

eCommerce & Travel

Amazon, MakeMyTrip, Goibibo, Cleartrip, Orchid Hospitality etc.

Health & Wellness / Hospitals

VLCC, Dr Batra, Kolors, Kaya, Vibes, Clove Dental, Decathalon, Toothsi, Healthyfyme, Berkowits, etc.

Education

Intellipaat, Simplilearn, Vedantu, Edureka, etc.

Insurance

Policybazaar, Star Health, HDFC Ergo, ICICI Lombard, etc.

Furniture / Home Décor 

Damro, Dash Square, Sofas & Beyond, IKEA, etc.

*Please be aware that this list is not exhaustive and there could be more brands offering Cardless EASYEMI.

No Swipe EMI Options

Interest Rate

Rate offered to the customer during the period of 1st Jan'26 to 31st Mar'26.

IRR Q4 (2025-2026)
Min IRR 15%
Max IRR 20%
Zero Lost Card Liability

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. 
Most Important Terms & Conditions

Frequently Asked Questions 

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.