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What’s in the store for you

More rewards than ever before

Launch offer

  • Gift vouchers of ₹ 1,000 on spends of ₹ 1,00,000 +. *

Welcome benefit

  • Complimentary 500 cash points on card issuance. *

Milestone benefit

  • First-year membership fees waived on spends of ₹20,000+. *

Renewal offer

  • Renewal membership fees waived on spends of ₹50,000 and more. *

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Card benefits and features

Know more about your EasyEMI Card

Most Important Terms and 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 and Conditions

Fees and Charges

EasyEMI Card Fees & Charges

  • Joining/renewal membership fee: ₹500 plus applicable taxes.
     

Click here for detailed fees and charges of the EasyEMI Card.

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Fees and Charges

Make Payments More Rewarding with PayZapp

Link your HDFC Bank EasyEMI Credit Card on PayZapp

  • Earn Additional CashBack along with the card CashPoints on Utility Bills, Mobile Recharges and more.
  • Get ₹1,000 CashBack on Shopping in-app over 200 plus brands
  • Securely pay without the hassle of OTPs with ‘Swipe-to-Pay’
Make Payments More Rewarding with PayZapp

Cash Points Redemption Card Reward and Redemption Program

Redemption Value

  • 1 CashPoint = ₹1

  • CashBack as per the product features will be credited in the form of CashPoints, which can be redeemed by the customer against their statement balance on request.

  • CashPoints Redemption against each category can be redeemed at

    1 CashPoint Equivalent to  
    Product Catalogue Up to ₹0.30
    Unified SmartBuy Portal (on Flights/ Hotel Bookings) ₹0.30
    CashBack ₹1

Redemption Limit

  • A minimum balance of 2,500 CashPoints is required for redemption against the statement.

  • CashPoints can be redeemed up to 50% of the booking value for Flights and Hotel booking. The remaining amount will have to be paid via Credit Card.  

  • With effect from 1st January 2023, CashPoint redemption for Flights and Hotel bookings are capped per month at 50,000 CashPoints.

  • With effect from 1st February 2023,
    • CashPoint redemptions are capped per month to 3,000 CashPoints.
    • Up to 70% of Product/ Voucher Value can be redeemed through CashPoints on select products/ vouchers. The remaining amount must be paid via Credit Card. 
  • Click here, for further details on the process to redeem CashPoints,

Validity

  • Unredeemed CashPoints will expire/ lapse after 1 year of accumulation

Contactless Payment: HDFC Bank EasyEMI Credit Card is enabled* for Contactless Payments at retail outlets.  

(Note: in India, payment through contactless mode is allowed for a maximum of ₹5000 for a single transaction where you are not asked to input your Credit Card PIN. However, if the amount is higher than or equal to ₹5000, the Card holder must enter the Credit Card PIN for security reasons. You may check for the Contactless Network Symbol on your card.)

Zero Lost Card Liability: Available on any fraudulent transactions made on your Credit Card if reported immediately to HDFC Bank’s 24-hour Call Centre. 

 Revolving Credit: Available at a nominal interest rate. (Check Fees and Charges section for more details)

Cash Points Redemption Card Reward and Redemption Program

Card Management and Control

MyCards, a mobile-based service platform for all credit card needs, facilitates convenient activation and management of your HDFC Bank EasyEMI Credit Card on the go. It ensures a seamless experience without the need for passwords or downloads.
 

  • Credit Card Registration and Activation

  • Set up Card PIN

  • Manage Card Controls like Online Spends, Contactless Transactions, etc.

  • View Transactions / Download e-Statements 

  • Check Reward Points

  • Block/ Re-Issue Card

  • Apply for an Add-on Card, Manage, Set PIN and Card Controls for Add-on card

Card Management and Control

Frequently Asked Questions

To get maximum benefits from the EasyEMI cCard, use it for online spends, shopping on Amazon and Flipkart and flight and hotel bookings. These will help you earn CashPoints which you can exchange for exciting rewards, maximising your savings. Moreover, use the card for specific amounts within defined periods to get renewal fee waivers and other benefits to get more from the EasyEMI card.

Here are the cashback benefits of the EasyEMI Network Card:

  • 5% CashBack on Amazon, Flipkart, flight and hotel bookings on shopping via PayZapp and SmartBuy on a minimum transaction size of ₹2,000

  • 2.5% CashBack on all online spends of minimum value of ₹2,000, with a maximum CashBack upto ₹750

  • 1% CashBack on all offline spends and Wallet reloads of minimum value of ₹100, maximum CashBack of ₹750

With the EasyEMI card, you get an interest-free credit period of up to 50 days. You need to pay the due as per the timeline provided to avoid attracting interest charges. However, ensure to spend within the credit limits.

Yes, you can use the EasyEMI Card for online and offline spending. Your transactions above ₹10,000 will automatically be converted to 9-month EMIs. You can also get exciting CashBack on each purchase. Also,

EasyEMI is a card offered by HDFC Bank that lets you shop online and offline and earn rewards for all your spending. The HDFC Bank EMI Card eases financial burden by converting any transaction above ₹10,000 into 9-month  EMI monthly instalments. Visit the HDFC Bank website to apply for the EasyEMI cCard online. and know the card limit.

We are currently not accepting new applications for the HDFC Bank EasyEMI Card. However, you can explore a range of other credit cards that may suit your needs. Click here to view our available options and find the right card for you.