HDFC Easy EMI Credit Card Review 2021

HDFC Easy EMI credit card is the best appropriate credit card for whose income is in the range of ten thousand to twenty-five thousand per month, This card comes with a contactless payment technology feature; where transaction up to 2000 rupees can be done without using any OTP request sent on registered mobile number ;

HDFC bank always ready to do something better and to do provide a better experience to the customers; we do use credit cards for online transactions and offline transactions (pos transactions); using a credit card in a proper way makes our civil score very good,

to making civil score decent; all of credit card holder never should be defaulter, being a defaulter badly impact on the civil score, which creates a major problem while we look for a loan from banks;

sometimes it happens that, we do purchase the product from our credit card beyond the limit; at the payment due date, we are not able to arrange the money to pay the credit card bill,

we do look for EMI conversion so that we could pay the amount into installment, but it also happens that EMI conversion on credit card spends is not available sometimes; thus credit card bill becomes like a burden to pay,

But this easy EMI credit card provides auto installment conversion for any single big spend is more than 10 thousand rupees

before you go to apply for this card, I would like you to check the terms and conditions,

Apply for HDFC Easy EMI Credit card easily

To apply for This Credit card visit and then do click on personal >pay >credit cards >emi cards >easy EMI credit card >sign up;

this is the way to apply for a credit card online, but you should know required documents that are mandatory to provide at the time of application filing; which help to know the status of the credit card

Salaried personform-16/ monthly salary more than 10000 rupees and above,last three-month salary slip
business-manitr fileannual salary more than 5 lakh current ITR file
AGEMin 21 years, max 60 years

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HDFC Easy EMI Credit card best key features

If you use this credit card on Amazon, Flipkart, hotels, and online ticket booking websites via HDFC Bank Payzap and smart buy, and minimum transaction you spend of rupees 2000 or more; you will get 5% cashback ;

  • Get 2.5% cashback on all online transactions
  • You will get 1% cashback on all offline spends (minimum amount =100 rupees or more)
  • Each and Every all single transaction of more than ten thousand or up to ten thousand will be auto-converted to EMI for a minimum/maximum tenure of 9 months ;
  • The applicable rate of interest for EMI conversion is 1.67 % monthly
  • For each quarter spends for the first initial year is one lakh, then you will worth a voucher of ten thousand
  • If your credit card is a prize card; you will get the benefit of 1000 cashpoints when you pay the first year membership fee (this is called welcome benefits)

HDFC Easy EMI Credit card fee and charges to this credit card

HDFC bank provides both types of credit cards, the credit card with no annual fee/ joining fee and also with the chargeable card, for your prize card you will get welcome benefits at renewal year,

but in case , the card is LTF, you will not get welcome benefits ;

Joining feezero
Membership fee500+GST
FCY fee3.5% of each and every international transaction
EMI conversion fee199+gst
Finance charges3.60+gst

Rewards point benefits on HDFC Easy EMI Credit card

This credit card not only provides the welcome benefits and cashback but also provide Reward points benefits; the reward points you get on every transaction are cash point,

you will get 2 reward points on every minimum transaction of 150 rupees, that you can use that reward point into card bill payment against the statement due amount, or, you can use that reward points to purchase the online product using the smart buy app

but one more thing; that reward points can be redeemed only when the minimum number of reward points is 2500 ;

Redeem HDFC Easy EMI Credit card reward points online& offline

To Redeem the reward point, there is the requirement of two things; the first thing you should have an account in HDFC bank, if not then 2nd thing is, you need to create a credit card login and password ;

apart from the steps for redeeming reward point online; however HDFC bank smart buy application also allows to use that available reward points on credit cards online ;

hdfc easy emi credit card review,

to utilize available reward points on the credit card, the smart buy app is the best option to use; because you can create gift voucher using reward points of the credit card; so you may redirect to the smart buy app from here

so click on any product that you want to purchase by clicking on compare and contrast and then click on cheque out, enter your mobile number, last four digits of credit card, and then do proceed ;

at the final time of the transaction, bank ask you can use available reward point on the credit card up to 30%, remaining balance to use from credit card available limit ;


In this article, we have mentioned the HDFC Easy EMI Credit card review, how we can apply for this credit card, what are the eligibility criteria, fee and charges related information, if we still confined to mention something about this credit card, you are pleased to ask your concern in the comment section,

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