No Swipe EMI Payment

What’s in store for you?

Key Features of Cardless EASYEMI

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 the Cardless EASYEMI  at popular stores such as Reliance Digital, Croma, Vijay Sales, Flipkart, Myntra, among others.
  • Fees And Charges: Processing fee of Rs.299 + GST will be applicable.
Key Features

Cardless EASYEMI Merchants/Partners

Where can you use the Cardless EASYEMI?

Category Brands
Electronics and smartphones Apple, Samsung electronics, Samsung mobiles, Sony, LG, Bosch, Whirlpool, OnePlus, Apple ( MacBook & iPad ) , HP, Dell , Samsung tabs & many more
eCommerce & Travel Amazon, Makemytrip, Goibibo, Easemytrip & many more
Furniture / Home Décor Royal Oak, Damro & many more
Health & Wellness / Hospitals VLCC, Dr Batra, Kolors, Kaya, Vibes, Clove Dental, Apollo, Indira IVF & many more
Education BYJUs, Intellipaat, Simplilearn, ExcelR & many more
Others Policybazaar, Niva Bupa Health Insurance, Aditya Birla Health Insurance & many more

*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. 
  • TAT for any program posting of Cashback, is liable only by 90th day from the end of offer month. Any advancement in TAT is subjective and will be basis mutual consensus between merchant and The Bank

    • By accepting the terms of Cardless EMI, you declare that:
    I am not a director of HDFC Bank or a Related Person or a Reciprocally Related Person. For the purpose of this clause

    1. ‘Director of a bank’ shall have the same meaning as defined in Explanation (b) to Section 20 of the Banking Regulation Act 1949 and would include a nominee director and an independent director.]

    2. ‘Key Managerial Personnel (KMP)’ of a bank shall have the same meaning as defined in Section 2(51) of the Companies Act, 2013

    3. ‘Reciprocally Related Person’ means an individual who is either (i) a director (excluding independent director / Nominee director appointed by the Government or RBI or a statutory body) of another commercial bank, or an AIFI, or a scheduled cooperative bank, or a subsidiary of a commercial bank; or (ii) a trustee of a mutual fund or an alternate investment fund established by any of the aforesaid regulated entities; or (iii) a relative of such a director or a trustee.

    4. ‘Related Party’ with respect to a bank shall mean a related person, a reciprocally related person, or any of the following entities:

    (i) where a related person or a reciprocally related person is a partner, manager, KMP, director or a promoter; or
    (ii) where a related person or a reciprocally related person is a shareholder with more than ten per cent of paid-up equity share capital; or
    (iii) where a related person or a reciprocally related person is having control, whether singly or jointly with another person; or
    (iv) where a related person or a reciprocally related person controls more than twenty per cent of voting rights on account of ownership or through a voting agreement or through any other arrangement; or
    (v) where a related person or a reciprocally related person has the power to nominate a director to its Board; or
    (vi) which is accustomed to act on the advice, direction, or instruction of a related person or reciprocally related person; or
    (vii) where a related person or a reciprocally related person is a guarantor or a surety; or
    (viii) where a related person or a reciprocally related person is a trustee or an author or a beneficiary and where the entity is in the form of a private trust.
    (ix) which is related to the related person or a reciprocally related person as a subsidiary or a parent company or a holding company or an associate or a joint venture.

    5. Provided that, nothing in sub-clause (v) above shall apply in cases where the authority to nominate a director arises exclusively from a lending or financing arrangement

    6. Provided further that, nothing in sub-clause (vi) above shall apply to the advice, directions or instructions given in a professional capacity.

    7. Provided further that, Government of India / State Government-owned or controlled entities shall not be treated as related parties to a government-owned bank just by virtue of the fact that the Government has the common ownership or control of such entities.

    8. ‘Related Person’ with respect to a bank shall mean a person, and the relatives of such a person, where the person:

    (i) is either a promoter, or a director, or a KMP of the bank; or

    (ii) owns more than five per cent of paid-up equity share capital of the bank or can, either singly or jointly, exercise more than five per cent of the voting rights of the bank on account of either ownership or voting agreement or through shareholders’ agreement or through any other arrangement; or

    (iii) can, through an agreement with the bank, nominate a director to its Board; or

    (iv) is either singly or jointly, in control of the bank.”

Most Important Terms & Conditions

Wondering if you are eligible?

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 or via SMS from your registered mobile number.
  • This is available across categories like mobiles, electronics, wellness, personal care, home décor, insurance and much more!
2132890439

How To Avail Cardless EASYEMI?

  • Select the product of your choice in-store or on the merchant’s website.
  • Choose ‘Cardless EMI’ as the payment option on the POS machine (in-store) or at the checkout page (online).
  • Enter your mobile number and PAN details. In store: Merchant enters the customer’s mobile number and PAN number on the POS machine. Online: Enter your mobile number and the last four digits of your PAN on the checkout page.
  • Select the preferred EMI tenure For in-store transactions, the merchant will also enter the product details along with the IMEI/serial number, where applicable.
  • Enter the OTP received on the registered mobile number to authenticate the transaction.
  • The transaction will be completed successfully. A charge slip will be printed for in-store transactions.

Terms & Conditions apply.

Swiggy HDFC Bank Credit Card Application Process

More About Cardless EASYEMI

Pre-Approved credit limit from ₹10,000 to ₹5,00,000

Read More

Instant Approval

Read More

100% Digital Process

Read More

Zero Documentation

Read More

Zero Down Payment required

Read More

Flexible repayment tenures up to 48 months

Read More

Only PAN & Mobile Number required

Read More

With the Full Finance feature, customers can avail 100% financing on eligible purchases with zero down payment. You can make purchases simply by providing your mobile number and PAN, without having to submit additional documents. Customers can choose flexible repayment tenures, receive instant approval within minutes, and shop across leading partner stores or online merchants. A processing fee of ₹299 + GST will be applicable. 

Cardless EASYEMI offers 100% financing, flexible repayment tenures ranging from 3 to 48 months, instant approval, and no documentation requirements. You only need your PAN and registered mobile number to avail Cardless EASYEMI. It is available across partner stores as well as online platforms, providing a simple, convenient, and seamless shopping experience.

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.