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HDFC BankFree to apply via CardGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
5% on SmartBuy/PayZapp, 2.5% on other online purchases, 1% on offline spends and wallet reloads
Cashback capped at ₹750 per month for each category. Minimum transaction values: ₹2,000 for SmartBuy/PayZapp and other online purchases, ₹100 for offline spends and wallet reloads. Cashback credited as CashPoints (1 CashPoint = ₹1 for statement credit, 1 CashPoint = ₹0.30 for travel/hotel bookings).
The privileges that come bundled in, beyond the reward points.
5% cashback on Amazon, Flipkart, flight & hotel bookings via PayZapp/SmartBuy
2.5% cashback on other online purchases
1% cashback on offline spends and wallet reloads
Fuel surcharge waiver of 1% (max ₹250 per statement cycle)
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Fee waiver: most issuers waive the renewal fee once your yearly spends cross a set threshold. Confirm the exact criteria with HDFC Bank before you apply.
The credit profile this card is typically approved for.
Note: this is a guideline, not a hard cut-off. Existing customers of HDFC Bank are often approved on slightly lower scores.
Everything you need to know about HDFC Bank Easy EMI Card fees, reward conversion, lounge access, and application eligibility.
The joining fee for HDFC Bank Easy EMI Card is nominal, and the annual renewal fee is ₹500 + GST. Many cardholders can get the renewal fee waived by reaching the annual milestone spend threshold. Check official bank terms for current welcome gift vouchers that offset the initial fee.
To qualify for HDFC Bank Easy EMI Card from HDFC Bank, a CIBIL score of 750 or higher is recommended. Applicants with a stable monthly income, low credit utilization (under 30%), and zero recent payment defaults have the highest likelihood of approval.
HDFC Bank Easy EMI Card is designed to reward everyday spends. It currently features: "500 CashPoints welcome benefit on activation". You earn reward points or cashbacks on eligible transactions, which can be redeemed for statement credit, air miles, or shopping vouchers via HDFC Bank's rewards portal.
HDFC Bank Easy EMI Card does not include unconditional complimentary lounge access as a primary perk. If airport lounge access is a priority, consider pairing this card with a dedicated travel credit card.
You can apply for HDFC Bank Easy EMI Card directly online. Have your PAN card, Aadhaar card, income proof (salary slips or Form 16/ITR), and bank statement ready. Most applicants receive digital KYC verification and an approval decision within a few business days.
