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 extremely beneficial because you can convert them into equal amounts of cash or book hotel or flight tickets. 

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.

How does the hdfc easy emi credit card eligibility work?

  • 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 good credit score of 760 is needed to apply for this hdfc easyemi credit 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.  

What documents are required to apply for the hdfc easyemi credit card?

  • 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.

How much does the hdfc bank easy emi credit card cost:

  • HDFC easy emi credit card joining fee: Rs. 500 + GST
  • HDFC easy emi credit card annual fee: Rs. 500 + GST

What are the benefits of hdfc easy emi credit card?

  • Get started with a wonderful joining bonus:

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 to make your every transaction rewarding:

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

Category

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 easy emi hdfc credit card statement cycle)

The cashbacks are given in the form of cash points. The hdfc credit card reward points value depends on how you redeem them. You will get a clear idea from the table given below. 

HDFC cash points value chart

HDFC credit card rewards points catalog  SmartBuy (hotel and flight booking, up to 50% of the booking value)  Cash
Rs. 0.30 Rs. 0.30 Rs. 1

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

  • Enjoy freedom from fuel surcharges:

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 waiver in a billing cycle of hdfc credit card

  • Earn extra benefits from milestone spending:

You can also earn some extra benefits from your hdfc bank easy emi credit card on achieving certain spending milestones.

Card usage 

Benefit

Rs.20,000 within the first 90 days of your credit card activation A complete waiver on first-year joining fee
More Rs.50,000 within the first anniversary year A complete waiver on your first year’s hdfc easy emi credit card annual charges
  • Complimentary lost card liability coverage to stand for you:

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 account instantly from your hdfc credit card internet banking account. You can visit our FAQ page for the complete process. 

  • Make repayments easier with the hdfc credit card easy emi option:

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

  • Convenient hdfc online credit card payment options to make life easier for you:

You can pay hdfc credit card bills online from your net banking account. You can also use any credit card payment app like Cred, Google pay, Paytm, PhonePe, etc. to do the same. Beautiful you don’t like the online payment options then make sure to visit our faq page to know how to pay credit card bill offline?

  • Advanced contactless payment facility:

This easy emi hdfc credit card is equipped with an advanced contactless payment facility. It allows you to make payment just by placing your easy emi card over any contactless enabled POS machine. This hdfc credit card feature is fast, convenient, and very helpful in preventing card misplacement. You can also set a maximum limit for credit card contactless payment option from your hdfc credit card mobile application.  

What are the hdfc bank credit card charges?

Particulars

Payable amount

HDFC easy emi credit card cash withdrawal charges 2.5% against the transaction amount, min Rs. 500. Check your hdfc easy emi credit card limit before making a withdrawal
HDFC credit card finance charges The hdfc easy emi credit card interest rate is 3.6% monthly or 43.2% annually
HDFC credit card foreign transaction fee 3.5% against the transaction amount
HDFC add on credit card fee  Free for a lifetime

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

How to contact the hdfc bank card customer care department?

  • 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: customerservices.cards@hdfcbank.com 

100xGain Ratings: 

7.5/10

Pros and cons of the easy emi hdfc bank credit card:

Pros

Cons

  • This hdfc easy emi credit card offers exclusive cashback on everyday expenses.
  • You can earn handsome monthly waivers on fuel surcharges.
  • The rate of earning hdfc easy emi credit card reward points is not that great.
  • You will not get any travel booking benefits from this easy emi hdfc credit card.

Final Opinion:

If you want a credit card for your daily needs then this is a card you should take a look at the hdfc bank easy emi credit card. 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. So if you want to compare some alternative options then feel free to take a look at the alternative card options given below.

Alternative cards of hdfc easy emi credit card: 

  1. HDFC bharat credit card (Best for cashback and fuel benefits)
  2. LIC eclat credit card (Best for reward points and lounge benefits)
  3. Paytm first credit card (Best for cashback, dining, and movie benefits)
  4. UBI usecure credit card (Best for reward points, travel, and dining benefits)

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