HDFC EasyEMI Credit Card Benefits (7 Big Benefits)

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HDFC EasyEMI Credit Card Benefits – There are some people who prefer to pay the amount in easy installments instead of paying the entire amount at one go. Therefore, HDFC has introduced an EasyEMI Credit Card in which you can easily convert the payment amount into easy monthly installments.

Spend ₹10000 and above and convert your amount into EMI. Auto EMI option is also available on this card. Check out all other interesting features of the HDFC EasyEMI Credit Card.

HDFC EasyEMI Credit Card Benefits

The key feature of HDFC Bank EasyEMI Credit Card is the convenience it offers by automatically converting large purchases into EMIs. Additional cashback on online transactions and facility to redeem cashback against statement balance are two other reasons why you might want this card.

The card is available at an annual charge of Rs 500 and is best suited for shopping. This card offers an auto-EMI facility and is therefore best suited for people who want to make large-amount purchases and pay for them over an extended period.

Since the card charges a low annual fee and the minimum income required for it is Rs. 10,000, it is good even for beginners. Here’s our comprehensive review of the card.

What is HDFC Bank EasyEMI Credit Card ?

EasyEMI Credit Card from HDFC Bank is a credit card for your day-to-day in-store shopping or online shopping. The card offers several benefits and features that will help you make your shopping expenses more convenient and rewarding.

Key Features of the Easy EMI Credit Card

  • Auto EMI conversion of expenses above Rs 10,000 for a period of 9 months
  • 5% cashback on shopping through PayZapp and SmartBuy
  • 2.5% cashback on all online expenses
  • 1% cashback on all offline spends and wallet reloads (Not applicable on fuel transactions)

Benefits and Features of HDFC EasyEMI Credit Card

Benefits of EasyEMI Card

  • Spend ₹10000 more and pay it in EMIs for 9 months. (Processing fee is ₹99 + GST and interest rate is 1.67% per month). Auto EMI conversion is not included on gold, jewelery and fuel transactions.
  • Get 5% cashback on purchases from Flipkart, Amazon, Hotels, and flight bookings made through Payzapp and Smartbuy with EMI options (minimum transaction should be ₹2000)
  • Maximum Rs 1000 cashback per calendar month in the first 6 months
  • Maximum Rs. 6 months after card issuance 750 cashback
  • 2.5% cashback on all online spends (minimum transaction Rs 2000, maximum cashback = Rs 750/calendar month)
  • 1% Cashback on All Offline
  • E Spend & Wallet Reload (Minimum Transaction Rs 100, Maximum Cashback = Rs 750/calendar month)
  • Get 2.5% cashback on online shopping with EMI transactions (min. transaction- ₹2000).
  • 1% cashback on offline transactions and wallet recharge (min. transaction – ₹100).
  • 1% discount on fuel surcharge.
  • Additional offer for EasyEMI for over 1000+ merchants.

Welcome offers and milestone privileges

  • Spend ₹100,000 and above quarterly in the first year only and get ₹1000 worth of gift vouchers.
  • Welcome Benefit and Renewal Benefit of 1000 Cashpoints. (Payment of membership fees is required)
  • Spend ₹20,000 and more in the first 90 days and your first year’s membership fees will be waived.
  • Spend ₹50,000 and above in the first year and your renewal membership fee will be waived off.

Exciting Cashback Offers

  • Get maximum cashback up to ₹2250 per month and a minimum of 5% on all spends.
  • Maximum cashback of ₹1000 per month on purchases via PayZapp and Smartbuy in the first 6 months.
  • Get 5% cashback on purchases through PayZapp and Smartbuy with a maximum of Rs.750 per month. (Minimum transaction should be Rs. 2000)
  • Earn 2.5% cashback with a maximum of ₹750 per month on online shopping. (Minimum transaction should be Rs. 2000)
  • Get 1% cashback on offline spending and wallet recharge. ₹750 per month is the maximum cashback that you can earn. (Minimum transaction should be Rs. 100)
  • You will still get all the cashback offers if you do EasyEMI transaction through HDFC EasyEMI Credit Card.

Cashpoint and cashback redemption

  • All cashback earned by users will be in CashPoint. These Cashpoints can be redeemed on users’ request on balance statement.
  • Value of 1 Cash Point will be ₹1 in case of statement balance.
  • The minimum cash points required to redeem is 2500 and should be in multiples of ₹500.
  • Redeem Cashpoints against flights & hotels. 1 Cashpoint is equivalent to ₹0.30 in Smartbuy Rewards.
  • CashPoints not redeemed will expire within 1 year.
  • The conversion rate of cash points is ₹0.30.

Best dining offers on HDFC EasyEMI Credit Card

  • There are over 3000 restaurants in over 20 cities across India where you can avail HDFC credit card discounts.
  • Up to 40% off fine dining on the weekend.
  • Get up to 20% off on Premium Dining.
  • Up to 30% off on Chef Specialty Restaurants.
  • Attractive discount up to 25% on buffet.
  • For more details you can visit the official website of HDFC Bank. There is a list of restaurants with different offers and discounts. You can also check the validity of the offer by opening the restaurant details.

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