HDFC Bank EasyEMI Credit Card
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HDFC Bank

HDFC Bank EasyEMI Credit Card

Visa
Regular

Your rating

Community rating

Best for EMI buyers — interest-free EMI on electronics, appliances and more

Joining Fee

₹500

Annual Fee

₹500

Reward Rate

1% – 5%

Forex Markup

3.5%

Apply may use an affiliate link — we may earn a commission; this doesn't affect our data or ratings.

Key Benefits

Automatic EMI conversion for purchases above ₹10,000 into 9-month EMIs
Up to 5% cashback via PayZapp and SmartBuy on select online shopping and travel
2.5% cashback on online spends (T&Cs, caps apply)
1% cashback on offline spends and wallet reloads (caps apply)
1% fuel surcharge waiver at all fuel stations (conditions apply)
Welcome 500 CashPoints on card issuance
First-year fee waiver on ₹20,000+ spends; renewal fee waiver on ₹50,000+ spends
Up to 50 days interest-free period
Contactless payments enabled
Zero lost card liability on timely reporting

Rewards

How you earn back on every swipe

cashback

Reward type

1% – 5%

Earn rate

1

Points / ₹100

₹1

Per point

12 months

Point expiry

Fees & Charges

Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.

Joining fee₹500
Annual fee₹500
Fee waiver on annual spend₹50,000
Interest-free period50 days
Interest rate (APR)42%
Forex markup3.5%
Fuel surcharge waiverYes

Travel & Lounge Access

Airport perks included with this card

0 per quarter

Domestic lounge visits

0 per year

International lounge visits

Things to Keep in Mind

  • 5% CashBack only on SmartBuy EMI transactions
  • No CashBack on non-EMI fuel, rent, wallet loading, government transactions

Card Features

Metal Card
Contactless
UPI Linked

Tips & reviews

Community comments — not financial advice. Bank terms still apply.

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Eligibility

Age21+ yrs – 60
Min. income₹20,000/month
CIBIL score680+

Employment type

SalariedSelf employed

Pros & Cons

Pros
  • Annual fee ₹500 waived on ₹50,000 annual spend.
  • About 1%–5% cashback on eligible spends (caps apply).
  • Best for: EMI buyers — interest-free EMI on electronics, appliances and more
  • HDFC Bank account holders who regularly purchase electronics, white goods, or furniture on EMI.
  • The HDFC Bank Easy EMI Credit Card is purpose-built for large purchases split over EMI — with 5% CashBack when…
  • Existing HDFC Bank customers get pre-approved limits and easy EMI eligibility.
  • A practical card for planned big-ticket purchases.
Cons
  • 5% CashBack only on SmartBuy EMI transactions
  • No CashBack on non-EMI fuel, rent, wallet loading, government transactions
  • High revolving APR — up to ~42% p.a. on balances.
  • ~3.5% forex markup on international spends.
  • Points may expire after ~12 months — check MITC.

Who is this card for?

HDFC Bank account holders who regularly purchase electronics, white goods, or furniture on EMI. The 5% cashback on SmartBuy EMI significantly reduces the effective cost of large purchases.

Quick Links

View on bank website

Data last updated 24 Mar 2026

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