HDFC EasyEMI Card Review

Unlock Exclusive Benefits, Make Every Purchase Count and, Offers with HDFC EasyEMI Card! Learn more.

Have you ever stood in front of a high-end electronic gadget or a designer piece, wishing it could be yours instantly without worrying about the cost? The HDFC EasyEMI Card turns this wish into a tangible reality.

Designed to simplify your big-ticket purchases, this card transforms hefty price tags into manageable monthly installments, bringing both luxury and essential goods within your easy reach. It’s more than a payment instrument; it’s a gateway to smarter spending and financial flexibility.

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In today’s fast-paced world, where financial savvy is as important as earning capacity, the HDFC EasyEMI Card emerges as a crucial tool. Whether it’s upgrading your home appliances, planning a much-needed vacation, or managing unexpected expenses, this card stands by you.

It embodies a perfect blend of convenience and financial prudence, ensuring that your aspirations and needs are not hindered by budget constraints. Let’s explore the various facets of this card that make it an indispensable part of your financial toolkit.

Earning Rewards

• 5% Cashback from PayZapp and SmartBuy from Amazon: With this card, you can enjoy a generous 5% cashback when you make purchases through PayZapp and SmartBuy from Amazon. This means that every time you shop, you earn rewards that can be redeemed for future purchases, making your shopping experience even more rewarding.
• 1% Cashback on any kind of offline purchase or wallet reload: Whether you’re shopping for groceries, dining out at your favorite restaurant, or simply reloading your wallet, the HDFC EasyEMI Card gives you 1% cashback on all offline purchases and wallet reloads. This cashback feature adds value to your daily transactions, effectively maximizing your savings.
• 2.5% cashback on any kind of online shopping: Embrace the convenience of online shopping with the HDFC EasyEMI Card. Not only do you enjoy the ease of making purchases from the comfort of your home, but you also receive an enticing 2.5% cashback on all your online shopping endeavors. This benefit ensures that you make the most of your online purchases while unlocking significant savings.

Redeeming Rewards:

Cashback earned is credited in the form of CashPoints, which can be redeemed as follows:

• Statement Balance:
  • Redeem CashPoints at a rate of 1 CashPoint = ₹1.
  • A minimum of 2,500 CashPoints is required for redemption, in multiples of ₹500.
• Travel Bookings and Rewards Catalogue:
  • Use CashPoints for flight and hotel bookings or to purchase items from the Rewards Catalogue via the SmartBuy portal, with 1 CashPoint equivalent to ₹0.30.
  • Up to 50% of the booking value can be paid using CashPoints; the remainder must be settled via the credit card limit.

Benefits of HDFC EasyEMI Card

This innovative card offers a plethora of benefits that cater to your diverse lifestyle needs. Let’s dive into the array of advantages that come with owning an HDFC EasyEMI Card!

• Zero Cost Liability: Security is of paramount importance when it comes to financial transactions. With the HDFC EasyEMI Card, you can rest easy knowing that you are shielded from any unauthorized transactions. The Zero Cost Liability feature ensures that you are not held responsible for any fraudulent activities, allowing you to shop with confidence and peace of mind.
• Fuel Surcharge Waiver up to 1%: As a HDFC EasyEMI Cardholder, you can say goodbye to extra charges at fuel stations. With the Fuel Surcharge Waiver benefit, you enjoy up to 1% waiver on fuel transactions. This perk ensures that you save more at the pump and helps you manage your fuel expenses effectively.
• Interest Free Credit Period of 50 days: The HDFC EasyEMI Card offers you a generous interest-free credit period of 50 days. This gives you ample time to manage your finances and make payments without incurring any interest charges. It’s the perfect way to stay in control of your expenses while enjoying the flexibility of deferred payments.
• Automatic EMI Conversion for High-Value Purchases: Purchases of ₹10,000 or more are automatically converted into 9-month EMIs, easing the burden of lump-sum payments. This feature enables you to acquire high-value items without disrupting your monthly budget.
• Welcome and Milestone Benefits: Receive 1,000 CashPoints as a welcome gift upon payment of the membership fee. Additionally, earn gift vouchers worth ₹1,000 on spending ₹1,00,000 or more in each calendar quarter during the first year.

Qualification Requirements

To be eligible for the HDFC EasyEMI Card, applicants are required to meet specific criteria, which typically include being at least 21 years old, possessing a stable source of income, and maintaining a good credit score. Indian residency is also a necessity.

HDFC Bank may evaluate additional factors such as your banking history and current financial commitments. It’s important for prospective cardholders to ensure that their financial profiles align with these requirements to facilitate a smooth application process.

How to Apply

Applying for the HDFC EasyEMI Card is straightforward. Begin by visiting the HDFC Bank website or your nearest HDFC branch. Fill out the application form with your personal, financial, and employment details.

Ensure all provided information is accurate to avoid any delays. After submission, the bank will review your application, and you might need to submit additional documents for verification. Once approved, you’ll receive your card and can start enjoying its numerous benefits.

Frequently Asked Questions

What is the interest rate on unpaid balances?

It varies based on your spending, payment, and credit behavior.

Can I convert any purchase into EMI?

Most purchases above a certain amount can be converted into EMIs.

Is there a joining fee?

Yes, there is a nominal fee which varies depending on promotions.

Can I withdraw cash with this card?

Yes, but cash withdrawals carry a charge and interest from the day of withdrawal.

CREDIT CARD

HDFC EasyEMI

CashBack – Get 5% Zero Lost card liability

The unique Card+ EasyEMI Card for all your big purchases

APPLY NOW You will be redirected