HDFC Bank EasyEMI Credit Card
The HDFC Bank EasyEMI Credit Card is an installment-focused credit card that earns up to 5% CashBack on Amazon, Flipkart, and flight/hotel bookings via SmartBuy & PayZapp, 2.5% on other online spends, and 1% on offline retail spends and wallet reloads.
Beginner & Zero Fee Fit Score
85/100
Joining Fee
₹500
Annual Fee
₹500
Reward Rate (%)
1 – 5
Statement credit
Forex Markup
3.5%
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.
Reward Power
24/35
Fee Value & ROI
24/25
Lounge & Perks
4/20
Forex & Access
12/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring 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
HDFC Bank EasyEMI Credit Card Rewards
How you earn back on every swipe
cashback
Reward type
1% – 5%
Earn rate
₹750
Monthly cap
12 months
Point expiry
₹750
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 statutory charges are detailed in the official Most Important Terms and Conditions (MITC).
₹500 joining fee (waived on ₹20,000 spend in first 90 days). ₹500 annual renewal fee waived on ₹50,000 annual spend.
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
Fee Waiver Spend Simulator
Simulate your spend to check waiver eligibility
🎉 Annual renewal fee 100% waived! At ₹4,167/mo (₹50,004/yr), your ₹500 fee drops to ₹0.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
HDFC Bank EasyEMI Credit Card Eligibility
Employment type
Pros & Cons
- 5% CashBack via SmartBuy and PayZapp (capped at ₹750/month)
- 2.5% CashBack on general online shopping (capped at ₹750/month)
- 1% CashBack on offline retail spends and wallet reloads (capped at ₹750/month)
- Modest ₹50,000 annual spend threshold for renewal fee waiver
- 1% fuel surcharge waiver on petrol transactions between ₹400 and ₹5,000
- Low ₹750 monthly cashback cap per category bucket
- Automatic 9-month EMI conversion on purchases above ₹10,000 incurs interest and processing charges
- Minimum spend of ₹2,000 per transaction required to earn 5% or 2.5% online cashback
- No complimentary domestic or international airport lounge access
- 3.5% foreign currency transaction markup fee
Who is this card for?
Suitable for HDFC Bank customers who want an affordable entry-level card for small online purchases and planned electronics or appliance purchases split over EMI, but not ideal for heavy online spenders due to the strict ₹750 monthly category cashback caps.
Quick Links
Data last updated 4 Sept 2026
Calculate your exact earnings with HDFC Bank EasyEMI Credit Card
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your estimated net return after fees, reward caps and exclusions.
See CardCheck in your Google Search & AI results
Add as a preferred source to get our credit card updates first.