What is the annual fee for HDFC Bank EasyEMI Credit Card?

The annual fee for HDFC Bank EasyEMI Credit Card is ₹500. The fee is waived on annual spend above ₹50,000.

What is the joining fee for HDFC Bank EasyEMI Credit Card?

The one-time joining fee for HDFC Bank EasyEMI Credit Card is ₹500.

What are the rewards and benefits of HDFC Bank EasyEMI Credit Card?

HDFC Bank EasyEMI Credit Card earns cashback rewards. Reward rate ranges from 1% to 5%. You earn 1 points per ₹100 spent.

What lounge access benefits does HDFC Bank EasyEMI Credit Card provide?

HDFC Bank EasyEMI Credit Card provides 0 domestic lounge visits per quarter and 0 international lounge visits per year.

What is the eligibility criteria for HDFC Bank EasyEMI Credit Card?

To be eligible for HDFC Bank EasyEMI Credit Card, you need a minimum monthly income of ₹20,000.

RBI Approved

Secure Payments

Community

(0)

Your Rating

HDFC Bank

HDFC Bank EasyEMI Credit Card

Name: HDFC Bank EasyEMI Credit Card
Brand: HDFC Bank
Price: 500 INR
Availability: InStock

The HDFC Bank Easy EMI Credit Card is purpose-built for large purchases split over EMI — with 5% CashBack when purchases are converted to EMI on HDFC's SmartBuy portal (select electronics, appliances, travel), and 1% on all other spends.

Regular

CardCheck ScoreVery Good

Top Category Performance

Cashback (95/100)

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%

Community

(0)

Your Rating

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

CardCheck Rating & Score

Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.

Very GoodScore / 100

Reward Power

34/35

Fee Value & ROI

24/25

Lounge & Perks

4/20

Forex & Access

12/20

Category Strengths Breakdown

Ranked by strongest spend category

Cashback Spends

95/100

Zero Fee & Starter

85/100

Online Shopping

84/100

Dining & Food

70/100

Scoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →

HDFC Bank EasyEMI Credit Card 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

HDFC Bank EasyEMI Credit Card Rewards

How you earn back on every swipe

cashback

Reward type

1% – 5%

Earn rate

Points / ₹100

₹1

Per point

12 months

Point expiry

₹1,000

Monthly cap

HDFC Bank EasyEMI Credit Card 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%

Cash advance fee2.5% (min ₹500)

Forex markup3.5%

Fuel surcharge waiverYes (₹400–₹5000)

HDFC Bank EasyEMI Credit Card 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

Fee Waiver Spend Simulator

Simulate your spend to check waiver eligibility

Waiver Target: ₹50,000/yr

Your Estimated Monthly Spend:₹4,167/mo

Presets:

Annual Fee 100% Waived₹50,004 / ₹50,000

🎉 Annual renewal fee 100% waived! At ₹4,167/mo (₹50,004/yr), your ₹500 fee drops to ₹0.

Gross Rewards+₹2,500

Effective Fee₹0 (Waived)

Net Profit/Yr+₹2,500

Tips & reviews

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

Checking sign-in…

HDFC Bank EasyEMI Credit Card 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.