HDFC EasyEMI credit card credit card
Joining Fee:

₹500 +GST

Return Percentage:

0.5% to 1%

Credit Card Overview

A card designed for EMI seekers, offering instant EasyEMI conversion on big-ticket purchases along with cashback and rewards on shopping and utilities.

Best Suited For: Cashback

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Fees and charges at a glance

Annual fee
₹500

Charged every year you keep the card

Joining fee
₹500

Paid once when you get the card, plus GST

Reward rate
0.5% to 1%

Depends where you spend

Forex markup
3.5%

Extra charge on foreign spends

Interest rate
45% p.a.

Only if you don't pay the full bill

Add-on card
Free

An extra card for family

HDFC EasyEMI credit card — Earn Categories

Other categories

  • Select Merchants5 Cashback / ₹100

    Earn 5% CB on Amazon, Flipkart, Flight & Hotel bookings on shopping via PayZapp and SmartBuy.|Minimum transaction size of ₹2000.|A maximum of ₹1000 cashback can be earned per calendar month. · Minimum ₹100 per transaction

  • Online2.5 Cashback / ₹100

    Minimum transaction size of ₹2000.|A maximum of ₹750 cashback can be earned per calendar month. · Minimum ₹100 per transaction

Everyday rate

  • Base Rewards1 Cashback / ₹100

    Minimum ₹100 per transaction

3 more earning categories on this card

We track all 6 of them, with the caps and conditions on each. See the full breakdown against your own spending in the app.

Open in the app

Earns nothing on these

Spends in these categories carry no rewards on this card.

  • Utilities
  • Jewellery