HDFC Bank Easy EMI Credit Card

8.2

Expert ScoreRead review

Fees

Joining Fee

Rs. 500 (plus applicable taxes)

Renewal Fee

Rs. 500 (plus applicable taxes)

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

Get 500 CashPoints as a welcome bonus.

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% cash back 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.

HDFC BANK

Category: Credit Cards Tags: millennia, world

Reward Type

Reward Points

Renewal Fee

500 (plus applicable taxes)

Joining Fee

500 (plus applicable taxes)

Type of Card

Shopping

Welcome Benefits

Get 500 CashPoints as a welcome bonus.

USP of Card

Fees

Joining Fee

Rs. 500 (plus applicable taxes)

Renewal Fee

Rs. 500 (plus applicable taxes)

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

Get 500 CashPoints as a welcome bonus.

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% cash back 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.

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.

Interest Rates

3.6% per month (or 43.2% per annum)

Cash Advance Charges

3.5% on all foreign currency transactions (plus applicable taxes)

Rewards Redemption Fee

Rs. 99 (plus applicable taxes) per redemption request

Fuel Surcharge

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).

Foreign Currency Markup

2.5% of the amount or Rs. 500, whichever is higher

Late Payment Fee

Add-on Card Fee

Nil

Rewards & Benifit

Movie & Dining offers

Reward Redemption

1 CashPoint = Re. 1 for redemption against cash and product/vouchers, 1 CashPoint = Rs. 0.30 for redemption against flight/hotel bookings.

Zero Liability Protection

Zero Liability Protection is provided in the case of a lost/stolen card if reported to the HDFC Bank within 24 hours after losing the card.

Rewards Rate

2.5% cashback on all online purchases. 1% cashback on all offline purchases.

Travel

Online Shopping offers

A cashback of 2.5% on all online purchases, and 1% cash back on offline purchases.

Insurance Benefits

Domestic Lounge Access

N/A

International Lounge Access

N/A

8.2Expert Score

Fees

Joining Fee

Rs. 500 (plus applicable taxes)

Renewal Fee

Rs. 500 (plus applicable taxes)

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

Get 500 CashPoints as a welcome bonus.

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% cash back 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.

Best values score

8.2

8.2Expert Score

Fees

Joining Fee

Rs. 500 (plus applicable taxes)

Renewal Fee

Rs. 500 (plus applicable taxes)

Best Suited For

Shopping

Reward Type

Reward Points

Welcome Benefits

Get 500 CashPoints as a welcome bonus.

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% cash back 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.

Best values score

8.2

Specification: HDFC Bank Easy EMI Credit Card

Bank Name	HDFC Bank
Type of Credit Card	Shopping
Joining Fees	500 (plus applicable taxes)
Renewal fees	500 (plus applicable taxes)
Best Suited for	Shopping
Reward Type	Reward Points
Welcome Benifits	Get 500 CashPoints as a welcome bonus.
Movie & Dining Offers	NA
Travel Offers	NA
online shopping offers	A cashback of 2.5% on all online purchases, and 1% cash back on offline purchases.
Reward redemption	1 CashPoint = Re. 1 for redemption against cash and product/vouchers, 1 CashPoint = Rs. 0.30 for redemption against flight/hotel bookings.
Reward Rate	2.5% cashback on all online purchases. 1% cashback on all offline purchases.
Domestic Lounge Access	N/A
International lounge access	N/A
Insurance Benifits	NA
Zero liability protection	Zero Liability Protection is provided in the case of a lost/stolen card if reported to the HDFC Bank within 24 hours after losing the card.
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.
Reward redemption charges	Rs. 99 (plus applicable taxes) per redemption request
Foreign currency markup Charges	3.5% on all foreign currency transactions (plus applicable taxes)
Interest Charges	3.6% per month (or 43.2% per annum)
Fuel Surcharges	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 or Rs. 500, whichever is higher
Interest Free credit periods	50 Days
Add on card fee	Nil
ELIGIBILITY CRITERIA	Your age should be above 21 years and below 65 years. You should have a stable source of monthly income. You should have a very good credit history and an existing relationship with HDFC Bank.
Late Payment Fee	for self employed individuals should be between 21 years and 65 years of age, with a minimum annual income of Rs. 6 lakhs.
Partner Discounts	You get a cashback of 2.5% on all online purchases for a minimum transaction of Rs. 2,000. The maximum benefit is capped at Rs. 750 per calendar month.
Reward offer savings	You get a cashback of 5% on Amazon, Flipkart, hotel/flight bookings on shopping through PayZapp or Smartbuy for a minimum transaction of Rs. 2,000.
USP of Card	You get a cashback of 1% on all offline spends for a minimum purchase of Rs. 100. The maximum benefit is capped at Rs. 750 per calendar month.
BestValue Score	8.2

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HDFC Bank Easy EMI Credit Card

Fees

Joining Fee

Renewal Fee

Best Suited For

Reward Type

Welcome Benefits

HDFC Bank Easy EMI Credit Card

Fees

Joining Fee

Renewal Fee

Best Suited For

Reward Type

Welcome Benefits

Reward Type

Renewal Fee

Joining Fee

Type of Card

Welcome Benefits

USP of Card

Fees

Joining Fee

Renewal Fee

Best Suited For

Reward Type

Welcome Benefits

Fees & Charges

Spend Based Waiver

Interest Rates

Cash Advance Charges

Rewards Redemption Fee

Fuel Surcharge

Foreign Currency Markup

Late Payment Fee

Add-on Card Fee

Rewards & Benifit

Movie & Dining offers

Reward Redemption

Zero Liability Protection

Rewards Rate

Travel

Online Shopping offers

Insurance Benefits

Domestic Lounge Access

International Lounge Access

Fees

Joining Fee

Renewal Fee

Best Suited For

Reward Type

Welcome Benefits

Fees

Joining Fee

Renewal Fee

Best Suited For

Reward Type

Welcome Benefits

Specification: HDFC Bank Easy EMI Credit Card

User Reviews

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