HDFC Easy EMI Credit Card Review

The hdfc easy emi credit card is a low-cost credit card designed to support your everyday needs, especially your high-value purchases. Also, this card offers CashPoints on everyday purchases. These hdfc credit card reward points are very beneficial because you can convert them into equal amounts of cash.  

Apart from the CashPoints, you can earn some attractive benefits like; fuel surcharge waiver, lost card liability coverage, annual fee waiver, etc. Now let’s take a closer look at the hdfc easy emi credit card features and benefits.

Hdfc credit card apply online eligibility criteria:

  • Resident Type: Indian
  • For salaried person:
    • Age: The age of the applicant should be between 21 to 60 years. 
    • Income: The average monthly income of the applicant should be greater than Rs. 10,000.
  • For self-employed person:
    • Age: The age of the applicant should be between 21 to 65 years. 
    • Income: The annual Income Tax Return should be greater than Rs. 6 lakh. 
  • A long relationship with the bank may help you to get this hdfc easyemi credit card
  • A good credit score of 760 is needed to apply for this card. 

If you don’t know how to get hdfc bank credit card , then visit our FAQ page for the hdfc easy emi credit card apply online process. You can also check the status of hdfc credit card application from the hdfc credit card online tracking page.  

Required documents for hdfc easyemi card application:

  • Photocopy of Address proof (any 1)
    • Last 6 months bank account statement.
    • Aadhar Card.
    • Driving License.
    • Passport.
    • Utility bills.
  • Photocopy of ID Proof (any 1)
    • Aadhar card.
    • Voter Card.
    • Passport.
    • PAN Card.
  • Two recent passport-sized photographs are mandatory to get a hdfc credit card .
  • Proof of income statement:
    • Salaried Person (any 1).
      • Salary Slip of last 3 months.
      • ITR (Income Tax Return).
    • Self-employed person.
      • Income tax return of the last year.
      • Proof of business.

Every hdfc bank new credit card comes in an inactive state, and in order to use it, you have to activate hdfc credit card manually. You can visit our FAQ page for the hdfc credit card activation online process.

Hdfc bank easy emi credit card fees:

  • Hdfc easy emi credit card joining fee: Rs. 500 + GST
  • Annual charges for hdfc credit card : Rs. 500 + GST

There is a very convenient hdfc online credit card payment system, but if you don’t want to pay hdfc credit card bills online then visit our FAQ page to know how to pay credit card bill offline?

Benefits:

The benefits of hdfc easy emi credit card are discussed below

  • Attractive welcome gift:

With the issuance of the hdfc easy emi credit card , you will be welcomed with big hdfc credit card gifts . You will get 500 cash points as a welcome gift. Also, if you can spend Rs. 1,00,000 or more on every calendar quarter for the whole first year, you will get an Rs. 1000 gift voucher.  

As per the new regulation of RBI, online transactions on hdfc new credit card are turned off. So if you want to use your card for online payments, then Visit our FAQ page to know how to activate hdfc credit card online transactions. 

  • Exclusive hdfc cashback offer:

This HDFC easyemi card offers exclusive cashback on everyday spends. The hdfc credit card cashback offer is discussed in the table below. 

Spending Amount Total hdfc credit card cashback benefit
Minimum Rs. 2000 spent on flight/hotel booking or shopping from Flipkart, Amazon, PayZapp, or SmartBuy 5% cashback (Maximum Rs. 1000 per month for the first 6 months and thereafter it will be Rs. 750 cashback per month.
Minimum Rs. 2000 spent on online transactions 2.5% cashback (Maximum Rs. 750 cashback per month)
Minimum Rs. 100 spend on wallet top-up 1% cashback (Maximum Rs. 750 cashback per month)

 This card offers cash backs as CashPoints. You can redeem the hdfc credit card points against hotel/flight tickets (you can pay up to 50% of the booking value using your points), you can also use them to get a product from the hdfc credit card smart buy portal or from the hdfc bank credit card redemption catalogue , you can also redeem them in cash. 

The hdfc credit card reward points value depends on how you redeem them. You will get a clear idea about the hdfc cashback offer from the table given below. 

Cash Points value chart
hdfc credit card rewards points catalogue . SmartBuy (hotel and flight) When redeemed into cash.
Rs. 0.30 Rs. 0.30 Rs. 1

The CashPoints are valid for 1 year from the date of their accumulation. 

  • Freedom from fuel surcharge:

If you use this hdfc bank credit card to purchase fuel, you will get a 1% waiver on fuel surcharges. This credit card offer is applicable at any fuel station in India. The minimum eligible credit card transaction amount is Rs. 400 and you can earn a maximum of Rs. 250 credit card fuel surcharge waiver in a billing cycle of hdfc credit card

  • Extra benefits on milestone spend:

You can also earn some extra benefits from your hdfc bank easy emi credit card if you can spend Rs. 20,000 within the first 90 days of your credit card activation , then the joining fee of the card will be waived off. Also on spending Rs. 50,000 or more within the first year, you will get a waiver on the first-year renewal fee. 

  • Lost card liability coverage:

On this easy emi credit card hdfc bank offers liability coverage for lost or stolen cards. That means if your card ever gets lost or stolen, you just have to lodge the hdfc credit card lost complaint by calling the hdfc credit card customer service number and you will not be liable for anything bad that may happen to your card. 

You can also close the hdfc credit card online from the hdfc credit card internet banking account. You can visit our FAQ page for the complete process.

  • Auto EMI conversion facility:

This is a very useful feature of this card. Every high-value transaction (above Rs. 10,000) made with this hdfc emi credit card , will automatically be converted into Easy EMI with a tenure of 9 months (with a hdfc credit card emi processing fee of Rs. 99 + GST and at an hdfc credit card emi interest rate of just 1.67% per month). 

This feature is not applicable for fuel transactions, jewelry purchases, etc. You can calculate the applicable emi interest rate on hdfc credit card from the hdfc bank credit card emi calculator

  • Advanced contactless payment facility:

This easy emi hdfc credit card is equipped with an advanced contactless payment facility. It allows you to make payment with just a wave at any secure reader machine. This hdfc credit card feature is fast, convenient, and very helpful in preventing card misplacement. 

Due to security reasons, the maximum contactless transaction amount is limited to Rs. 5000 per transaction. You can also set a maximum limit for credit card contactless payment option from your hdfc credit card mobile application.  

Hdfc bank credit card charges:

Particulars Payable amount
charges for withdrawing cash from hdfc credit card . 2.5% against the transaction amount, min Rs. 500. Check your hdfc easy emi credit card limit before making a withdrawal.
Finance charge. The hdfc easy emi credit card interest rate is 3.6% monthly or 43.2% annually.
Foreign currency conversion charge. 3.5% against the transaction amount.
hdfc add on credit card fee  Free for a lifetime.

If you want to use your card for international transactions, then you have to turn the hdfc credit card international usage on from the credit card hdfc online banking account. Visit our FAQ page for the process. 

Hdfc bank card customer care contact details:

  • Call the hdfc easy emi credit card customer care number: 1800-266-4332 (Toll-free) or 022-616-6161
  • Write to the hdfc credit card complaint mail id: [email protected] 

100xGain Ratings: 

7.5/10

Final Opinion:

If you want a credit card for your daily needs then this is a card you should take a look at. It offers CashPoints which you can convert into an equal amount of cash, fuel surcharge waiver, milestone benefits, a low hdfc credit card emi interest rates , and lots more. If you shop online quite frequently, then you will love this card. 

But this card does not offer any benefits on entertainment categories, which can disappoint movie lovers. Otherwise it is a good credit card and if you want a card specifically for shopping and cash backs then you should go for this card.   

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