- Joining fee
Rs. 500 + GST
- Annual fee
Rs. 500 + GST
- Best suited for
Shopping
- Reward type
Reward Points
Rewards
- Rewards rate
2.5% cashback on all online purchases. 1% cashback on all offline purchases.
- Welcome benefits
500 CashPoints
- Reward redemption
1 CashPoint = Re. 1 for redemption against cash and product/vouchers, 1 CashPoint = Rs. 0.30 for redemption against flight/hotel bookings.
Fees & charges
- Spend-based waiver
The joining fee is waived off on spending Rs. 20,000 or more within the first 90 days after receiving the card. Renewal fee waived off on spending Rs. 50,000 or more in the previous year.
- Rewards redemption fee
Rs. 99 (plus applicable taxes)
- Foreign currency markup
3.5% on all foreign currency transactions (plus applicable taxes)
- Interest rates
3.6% per month (43.2% per annum)
- Fuel surcharge waiver
1% fuel surcharge is waived off for all fuel transactions between Rs. 400 and Rs. 5,000 (maximum benefit of Rs. 250 in a month).
- Cash advance charges
2.5% of the amount transacted or Rs. 500 (whichever is higher)
Product highlights
- A welcome bonus of 500 CashPoints.
- A cashback of 5% on Amazon, Flipkart, Hotel, and Flight bookings on shopping through Payzapp using your HDFC Bank Easy EMI Credit Card.
- A cashback of 2.5% on all online purchases and 1% cashback on offline purchases.
- All the spends of Rs. 10,000 or above are automatically converted to Easy EMI.
- Spend-based waiver of joining fee and renewal fee.
- 1% fuel surcharge waiver.
- Gift vouchers worth Rs. 1,000 on spending Rs. 1,00,000 or more in one calendar quarter.
Eligibility
| Criteria | Salaried | Self-employed |
|---|---|---|
| Age | 21 Years – 60 Years | 21 Years – 65 Years |
| Income | Minimum Rs. 10,000 per month | Minimum Rs. 6,00,000 per annum (as per ITR) |
FAQs
How many CashPoints are equal to Re. 1 for redemption against the statement balance ?
For redemption against the statement balance, 1 CashPoint = Re. 1.
How can I get my first-year membership fee waived off ?
You can get your first-year membership fee (joining fee) waived off if you spend Rs. 20,000 or more within the first 90 days after receiving your HDFC Bank Easy EMI credit card.
Is there any fee for the auto conversion of transactions into Easy EMI using the HDFC Bank Easy EMI Credit Card?
Yes, there is a processing fee of Rs. 99 + GST for the auto conversion of transactions into Easy EMI.
What is the foreign currency markup fee on this card ?
The foreign currency markup fee on the HDFC Bank Easy EMI credit card is 3.5% on all foreign currency spends.
How much cashback do I get on offline purchases ?
You will get a cashback of 1% on all offline purchases (minimum purchase of Rs. 100).