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Premium Card Series
HDFC Bank Easy EMI Credit Card
The HDFC Bank Easy EMI credit card provides its customers with exciting CashBack offers and Easy EMI conversions for eligible purchases. It comes with
Security
Advanced protection for all transactions
Instant
Immediate digital card access
Rs. 500 + GST
Joining Fee
Rs. 500 + GST
Renewal Fee
24/7
Support
Meet HDFC Bank Easy EMI Credit Card
The HDFC Bank Easy EMI credit card provides its customers with exciting CashBack offers and Easy EMI conversions for eligible purchases. It comes with a joining fee of Rs. 500 and gives you great welcome benefits, including 500 CashPoints and gift vouchers worth Rs. 1,000. The card gives a 5% cashback on shopping via Payzapp & Smartbuy, a 2.5% cashback on all online purchases, and a 1% cashback on all offline purchases. In short, you get a cashback on almost all your purchases, which is a fantastic feature of this card. This card earns you cashback in the form of CashPoints, and you can use these CashPoints for redemption against your statement balance at a really good rate of 1 CashPoint = Re. 1. These can be used for several other purposes as well with a different redemption rate. Moreover, you can get your joining and renewal fee waived on the basis of your spends. To know all about the HDFC Bank Easy EMI Credit Card, its fee & charges, and benefits in detail, keep reading the information given below:
HDFC Bank Easy EMI Credit Card MEMBERSHIP
JOINING FEERs. 500 + GST
Detailed Card Information
Everything You Need to Know
Discover the comprehensive benefits and features that make HDFC Bank Easy EMI Credit Card the perfect choice for those who demand excellence.
Spend- Based Waiver
The joining fee is waived off on spending Rs. 20,000 or more within the first 90 days after receiving the card. Renewal fee waived off on spending Rs. 50,000 or more in the previous year.
Rewards Redemption Fee
Rs. 99 (plus applicable taxes)
Foreign Currency Markup
3.5% on all foreign currency transactions (plus applicable taxes)
Interest Rates
3.6% per month (43.2% per annum)
Fuel Surcharge
1% fuel surcharge is waived off for all fuel transactions between Rs. 400 and Rs. 5,000 (maximum benefit of Rs. 250 in a month).
Cash Advance Charges
2.5% of the amount transacted or Rs. 500 (whichever is higher)
Movie & Dining
NA
Rewards Rate
2.5% cashback on all online purchases. 1% cashback on all offline purchases.
Reward Redemption
1 CashPoint = Re. 1 for redemption against cash and product/vouchers, 1 CashPoint = Rs. 0.30 for redemption against flight/hotel bookings.
Travel
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Golf
N/A
Insurance Benefits
N/A
500 CashPoints Welcome Bonus
This credit card feature provides a welcome bonus of 500 CashPoints to new cardholders. Upon successful approval of your credit card application, these points will be instantly credited to your account. These points can be redeemed for a range of benefits, like cashback, discounts on purchases, or even towards your credit card bill. This is a great way for cardholders to begin reaping rewards right from the start.
5% Cashback on Select Platforms
With this feature, you can earn a 5% cashback when you shop on Amazon, Flipkart, or make hotel and flight bookings through Payzapp using your HDFC Bank Easy EMI Credit Card. This means that for every transaction you make on these platforms, 5% of the value will be returned to you as cashback. This not only provides you with significant savings but also encourages digital transactions, making your spending more efficient and rewarding.
Generous Online and Offline Cashbacks
This credit card feature offers a cashback of 2.5% on all online purchases and 1% cashback on offline purchases. This is a valuable feature for those who frequently shop online, as they can earn significant cashback on their purchases. The 1% cashback on offline purchases ensures that you are rewarded for your spending, whether it's at the grocery store or at your favorite restaurant.
Automatic EMI on Large Spends
This feature automatically converts all spends of Rs. 10,000 or above into Easy EMI. This means that if you make a purchase of Rs. 10,000 or more, the amount will be automatically converted into easy monthly installments. This can make managing your finances easier and allow you to make large purchases without worrying about paying the full amount upfront.
Spend-Based Fee Waiver
This credit card feature offers a spend-based waiver of the joining fee and renewal fee. This means that if you spend a certain amount on your card in a year, the joining fee and the annual renewal fee will be waived off. This is a beneficial feature for those who use their credit cards frequently, as it can save them from paying unnecessary fees.
1% Fuel Surcharge Waiver
This feature provides a 1% waiver on fuel surcharge at all petrol pumps across India. This means that every time you use your credit card to pay for fuel, you will receive a 1% discount on the surcharge that is usually applied to these transactions. This can result in significant savings, especially for those who frequently use their cars.
Quarterly Gift Vouchers
This feature rewards you with gift vouchers worth Rs. 1,000 when you spend Rs. 1,00,000 or more in one calendar quarter. These vouchers can be redeemed at a wide range of partner outlets, offering you a variety of options to choose from. This is an excellent way to reward high spenders and incentivize increased usage of the credit card.
Why Choose HDFC Bank Easy EMI Credit Card
Banking Reimagined for the Digital Age
Experience a new standard in premium banking with features designed for the modern professional. Welcome to the future of financial excellence.
500 CashPoints Welcome Bonus
This credit card feature provides a welcome bonus of 500 CashPoints to new cardholders. Upon successful approval of your credit card application, these points will be instantly credited to your account. These points can be redeemed for a range of benefits, like cashback, discounts on purchases, or even towards your credit card bill. This is a great way for cardholders to begin reaping rewards right from the start.
5% Cashback on Select Platforms
With this feature, you can earn a 5% cashback when you shop on Amazon, Flipkart, or make hotel and flight bookings through Payzapp using your HDFC Bank Easy EMI Credit Card. This means that for every transaction you make on these platforms, 5% of the value will be returned to you as cashback. This not only provides you with significant savings but also encourages digital transactions, making your spending more efficient and rewarding.
Generous Online and Offline Cashbacks
This credit card feature offers a cashback of 2.5% on all online purchases and 1% cashback on offline purchases. This is a valuable feature for those who frequently shop online, as they can earn significant cashback on their purchases. The 1% cashback on offline purchases ensures that you are rewarded for your spending, whether it's at the grocery store or at your favorite restaurant.
Automatic EMI on Large Spends
This feature automatically converts all spends of Rs. 10,000 or above into Easy EMI. This means that if you make a purchase of Rs. 10,000 or more, the amount will be automatically converted into easy monthly installments. This can make managing your finances easier and allow you to make large purchases without worrying about paying the full amount upfront.
Spend-Based Fee Waiver
This credit card feature offers a spend-based waiver of the joining fee and renewal fee. This means that if you spend a certain amount on your card in a year, the joining fee and the annual renewal fee will be waived off. This is a beneficial feature for those who use their credit cards frequently, as it can save them from paying unnecessary fees.
1% Fuel Surcharge Waiver
This feature provides a 1% waiver on fuel surcharge at all petrol pumps across India. This means that every time you use your credit card to pay for fuel, you will receive a 1% discount on the surcharge that is usually applied to these transactions. This can result in significant savings, especially for those who frequently use their cars.
Quarterly Gift Vouchers
This feature rewards you with gift vouchers worth Rs. 1,000 when you spend Rs. 1,00,000 or more in one calendar quarter. These vouchers can be redeemed at a wide range of partner outlets, offering you a variety of options to choose from. This is an excellent way to reward high spenders and incentivize increased usage of the credit card.
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