EASYEMI on Debit Card

• Flexible Repayment Tenure: Choose a repayment tenure between 3 and 48 months based on your needs

• Instant Approvals and Disbursal: Get instant approval and fund disbursal without waiting periods or lengthy processing.

• No Documentation: No paperwork or additional document submission required.

• Zero Down Payment: Avail 100% financing on purchase of eligible products and services

• Keeping a tab on your EASYEMI on Debit Card is now quicker and more convenient. With HDFC Bank’s Eva Chatbot, you can check details such as EMI amount, tenure, interest rate, charges, and other related information anytime, anywhere.

• Simply open the Ask Eva chat option and enter your 10-digit registered mobile number. Eva will instantly provide the required information and assist with your EASYEMI on Debit Card related queries.
• Available 24/7, Eva helps you access your EASYEMI on Debit Card details without the need to visit a branch or wait for assistance.

• Auto Debit return charges - 2% + GST @ 18% whenever applicable (subject to change as per Govt. instruction), subject to a minimum of ₹531 (450 plus GST@18%).

• Late Payment Fee - Non-Payment or partial payment of EMI outstanding will attract a late payment penalty of ₹550 + GST @ 18% (subject to change as per Govt. instruction) irrespective of the EMI outstanding, subject to a minimum of ₹ 354 (300 plus GST@18%).

• Pre-closure Charges - 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. 

• Rate of Interest - 16% - 20% ROI applicable as per scheme.

• For the First EMI, the Interest (GAP interest) will be calculated from the loan booking date till the payment due date.

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

• This EASYEMI facility is purely optional at merchants and can be withdrawn without any prior notice

• Availability, delivery, quality, merchantability or suitability of the services to be rendered by merchants under the EASYEMI Scheme and HDFC Bank shall not be held liable for the same in any manner whatsoever

• Any tax applicable from time to time as notified by the Government of India is applicable on all fees, interest and other charges and is subject to change as per relevant regulations of the Government of India

• HDFC Bank does not hold any warrant or make any representation with respect to the availability, delivery, quality, merchantability or suitability of the services to be rendered by merchants under the EASYEMI Scheme, and HDFC Bank shall not be held liable for the same in any manner whatsoever 

• Disputes, if any, will be subject to Indian laws and shall be subject exclusively to the jurisdiction of the courts in Chennai

• Processing Fee 299 + GST or less Applicable for EMI transactions on HDFC BANK CARDS as per T&C, Processing fee does not get reversed even in case of cancellation / pre-closure.

• CashBack will be posted for all eligible customers post clearance of 3 successful EMIs. CashBack will not be applicable if any of the subsequent 3 EMIs gets bounced

• Customer can foreclose the loan anytime during the loan tenure with applicable foreclosure charges 

• Brand CashBack will be printed on the charge slip, which will be posted within 90 days from the end date of the transaction month

• Customers will only be eligible for CashBack if mentioned on the charge slip

• For in-store transactions, Loans will be booked as per commercials mentioned on the charge slip. Customers are advised to retain their charge slip for 180 days.

• In case of DCEMI, the CashBack will get posted only after successful payment of First 3 consecutive EMI's 

• For Cards based offers, transactions to be done on Brand EMI Machine.

• CashBack will not be posted in case of preclosure or cancellation of loan

• Permanently delinquent/closed accounts will be excluded. Benefits will be posted only to accounts active and non-delinquent at the time of postings.

• Customers will be eligible for a maximum of 5 CashBacks in a month across all brands combined 

• For any dispute related to delivery / quality of product, goods or services, refund, cancellation request, the borrower should take up with merchant directly for the further assistance. For cancellation claims, the bank will proceed after receipt of confirmation and refund from the concerned merchant at our end.

• Schedule of Charges

• *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.