What is Hdfc Bank’s Easy EMI Credit Card, these benefits are available

Key Features of HDFC Bank Easy EMI Credit Card

• Get 5% cashback on shopping, flight and hotel bookings from Amazon, Flipkart through PayZap and SmartBuy. But the transaction should be of minimum Rs.2000. After taking the credit card, there will be a maximum cashback of Rs 1000 per month for the first 6 months. After that the maximum cashback will be Rs 750 per month.
• There is a cashback of 2.5% on all online spends. But the minimum transaction should be Rs 2000 and the maximum cashback will be Rs 750 per month.
• Get 1% cashback on all offline spends and wallet reloads. The minimum transaction should be Rs 100 and the maximum cashback will be Rs 750 per month.
• All transactions of Rs 10000 or more will be automatically converted into Easy EMI for 9 months. The processing fee will be Rs 99 plus GST and the interest rate will be 1.67 per cent per month. Auto conversion is not applicable on gold, jewelery and fuel transactions.
• Auto EMI conversion will be processed after 5 business days from the date of transaction.
• Keep in mind that if the Easy EMI card is blocked, then the Auto EMI process will not take place.

Additional Features

• Easy EMI Card lost is reported immediately to HDFC Bank’s 24 Hour Call Center then there will be zero liability on the cardholder in case of any fraudulent transaction on the card.
• Interest free period of up to 50 days is applicable on Easy EMI cards.
• A fuel surcharge waiver of 1% is applicable on all fuel stations in India on easy EMI credit card payments. But the minimum transaction should be Rs 400. The maximum cashback will be Rs 250 per statement cycle.
• 1000 gift vouchers every calendar quarter for expenditure of Rs 1 lakh or more. But this offer is applicable only in the first year of taking the card.
• Welcome benefit of 500 cash points on payment of membership fee
• Waiver of membership fee for the first year if you spend Rs 20000 or more within the first 90 days after taking the card
• Waiver of renewal membership fee for the first year spending of Rs 50000 or more

Eligibility conditions

If the salaried Indian wants to take HDFC Bank Easy EMI Credit Card, then his age should be minimum 21 years and maximum 60 years. His gross monthly income should be more than Rs 10000. If a self employed person wants to take Easy EMI Credit Card then his minimum age should be 21 years and maximum age should be 65 years. Income should be more than Rs 6 lakh per annum.

Remember this point

• The joining/renewal membership fee for the Easy EMI credit card is Rs 500 plus taxes.
• Cashback will be available in the form of CashPoints, which can be redeemed.
• 1 cashpoint means 1 rupee
• The minimum cashpoint balance should be 2500 cashpoints to redeem.
• The un-redeemed cash points will expire within one year.

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