What are the main cashback benefits of the HDFC Bank Easy EMI Credit Card?

The HDFC Bank Easy EMI Credit Card offers 5% cashback on Amazon, Flipkart, flight & hotel bookings, 2.5% on all online spends, and 1% on offline spends.

Is the HDFC Bank Easy EMI Credit Card still active for new applications?

No, the HDFC Bank Easy EMI Credit Card has been discontinued by HDFC Bank, and new applications are no longer being accepted.

How can I redeem CashPoints earned with my HDFC Bank Easy EMI Credit Card?

CashPoints can be redeemed against your statement balance at 1 CashPoint = ₹1 (minimum 2,500 points) or for travel and catalogue items via SmartBuy.

What is the joining and renewal fee for the HDFC Bank Easy EMI Credit Card?

The joining and renewal fee for the HDFC Bank Easy EMI Credit Card is ₹500 + Applicable Taxes, both of which can be waived based on spending.

How does the auto EMI conversion work on the HDFC Bank Easy EMI Credit Card?

Transactions of ₹10,000 or more on your HDFC Bank Easy EMI Credit Card are automatically converted to EasyEMIs for 9 months, with a processing fee and interest.

Are there any fees for redeeming rewards on the HDFC Bank Easy EMI Credit Card?

Yes, a rewards redemption fee of ₹99 + Applicable Taxes is levied for redeeming CashPoints from your HDFC Bank Easy EMI Credit Card.

What is the foreign currency markup on the HDFC Bank Easy EMI Credit Card?

The HDFC Bank Easy EMI Credit Card has a foreign currency markup of 3.5% plus applicable taxes on all international transactions.

Does the HDFC Bank Easy EMI Credit Card offer a fuel surcharge waiver?

Yes, the HDFC Bank Easy EMI Credit Card provides a 1% fuel surcharge waiver on transactions between ₹400-₹5000, capped at ₹250 per statement cycle.

What were the eligibility criteria for the HDFC Bank Easy EMI Credit Card (historically)?

Historically, salaried individuals needed a minimum age of 21 and ₹10,000+ monthly income, while self-employed required an age of 21+ and ₹6 Lakhs+ annual ITR.

What happens if I lose my HDFC Bank Easy EMI Credit Card?

The HDFC Bank Easy EMI Credit Card offers Zero Lost Card Liability, meaning you have no financial liability for fraudulent transactions if reported immediately.

HDFC Bank

HDFC Bank Easy EMI Credit Card

Please note: This offer may be discontinued and is shown for informational purposes only.

ShoppingTravel

Last updated: 26 October 2025

Benefits & Features

Explore key benefits designed to maximize your lifestyle

Welcome Offer

500 Cash Points welcome benefit & ₹1,000 gift vouchers on ₹1,00,000 spends in first year.

Rewards Rate

5% on Amazon, Flipkart, flight/hotel via PayZapp/SmartBuy; 2.5% online; 1% offline/wallet reloads.

Reward Type

Cashback

Reward Redemption

Redeem CashPoints against statement balance (1CP=₹1) or for travel/catalogue (1CP=Upto₹0.30).

Domestic Lounge Access

Not Applicable

International Lounge Access

Not Applicable

Premium Benefits

Not Applicable

Insurance Coverage

Zero Lost Card Liability for fraudulent transactions on immediate reporting.

Movie

Not Applicable

Dining

Not Applicable

Travel Benefits

Earn 5% cashback on Flight & Hotel bookings; redeem points for travel via SmartBuy.

What matters, explained clearly

Detailed evaluation to help you make the right decision

Frequently Asked Questions

Clear, concise answers to help you understand this card better.

Similar Cards

Compare similar cards to find your perfect fit

More from HDFC Bank

Explore other cards offered by the same provider

Comments & Reviews

Share your experience about HDFC Bank Easy EMI Credit Card

Share your thoughts

Your email address will not be published. Required fields are marked *

Loading conversations...