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Last updated: 14 October 2026
Free to apply via CardsGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
Up to 5% Cashback
Earn 5% CashBack on Amazon, Flipkart, flight, and hotel bookings via PayZapp and SmartBuy (capped at ₹750/month). Earn 2.5% CashBack on all other online spends (capped at ₹750/month). Earn 1% CashBack on offline spends and wallet reloads (capped at ₹750/month). 1 CashPoint = ₹1 for statement balance redemption.
Redeem for
The privileges that come bundled in, beyond the reward points.
Auto EasyEMI Conversion: All transactions of ₹10,000 and above are automatically converted into 9-month EMIs (Processing fee of ₹99 + GST and 1.67% monthly interest applies)
First-year joining fee of ₹500 is waived upon spending ₹20,000 within the first 90 days
Renewal fee of ₹500 is waived upon spending ₹50,000 in the previous anniversary year
Gift vouchers worth ₹1,000 on spending ₹1,00,000 or more in a calendar quarter (applicable for the first year only)
1% fuel surcharge waiver at all petrol pumps in India on transactions between ₹400 and ₹5,000 (maximum waiver of ₹250 per billing cycle)
An honest read on where this card earns its keep — and where it doesn't.
Excellent 1:1 redemption ratio for CashPoints against your statement balance
Solid 5% cashback rate on popular platforms like Amazon and Flipkart
Automates EMI conversions for users who prefer to pay off large purchases (₹10k+) in installments
Low annual fee with easy spend-based waiver targets
Forced auto-EMI conversion on ₹10k+ transactions might be annoying if you prefer to pay in full, as it incurs interest (20% p.a.) and processing fees
Strict monthly cashback caps (₹750 per category limit)
Quarterly milestone benefit (₹1,000 voucher) is only valid during the first year
No complimentary airport lounge access
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.
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
See how HDFC Bank Easy EMI Card stacks up against competing cards on reward rates, annual charges, and milestone perks.
Use our customizable comparison tool to benchmark fees, lounge access, and rewards.
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Everything you need to know about HDFC Bank Easy EMI Card fees, reward conversion, lounge access, and application eligibility.
HDFC Bank Easy EMI Card has an annual fee of ₹500 plus 18% GST. Most cardholders can get subsequent annual renewal fees waived by reaching the bank's annual milestone spend threshold. Additionally, the initial fee is often offset by welcome privileges like "500 CashPoints as a welcome benefit upon payment of the joining fee.".
HDFC Bank Easy EMI Card earns CashPoints at a primary rate of Up to 5% Cashback. Specifically, Earn 5% CashBack on Amazon, Flipkart, flight, and hotel bookings via PayZapp and SmartBuy (capped at ₹750/month). Earn 2.5% CashBack on all other online spends (capped at ₹750/month). Earn 1% CashBack on offline spends and wallet reloads (capped at ₹750/month). 1 CashPoint = ₹1 for statement balance redemption.. Spends in Shopping, Cashback, Entry Level categories provide the maximum valueback per transaction on this card.
Rewards earned on HDFC Bank Easy EMI Card can be redeemed for Statement Balance (Cashback), SmartBuy Portal (Flights & Hotels), Product Catalogue via HDFC Bank's official rewards portal or mobile banking app. Points earned remain valid for 24 months from the transaction date before expiring.
A CIBIL credit score of 700 or above is strongly recommended for approval of HDFC Bank Easy EMI Card. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
HDFC Bank Easy EMI Card is issued on the Visa or MasterCard network with worldwide acceptance at over 30 million merchant establishments and online portals. International transactions, contactless tap-to-pay (up to ₹5,000 without PIN), and tokenized payments are supported once enabled in your banking app.
HDFC Bank Easy EMI Card levies a forex markup fee of 3.5% + GST on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
HDFC Bank Easy EMI Card currently features a welcome offer: "500 CashPoints as a welcome benefit upon payment of the joining fee.". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include Excellent 1:1 redemption ratio for CashPoints against your statement balance and Solid 5% cashback rate on popular platforms like Amazon and Flipkart. However, keep in mind that Forced auto-EMI conversion on ₹10k+ transactions might be annoying if you prefer to pay in full and as it incurs interest (20% p.a.) and processing fees. Overall, HDFC Bank Easy EMI Card delivers strong value if your regular spending aligns with Shopping, Cashback, Entry Level.
HDFC Bank Easy EMI Card is focused on Shopping and Cashback and Entry Level valueback and does not include unconditional complimentary airport lounge visits as a core benefit. If lounge access is a deciding factor for your travels, consider pairing this with a dedicated premium travel credit card.
Yes, HDFC Bank Easy EMI Card includes a 1% fuel surcharge waiver for fuel spends typically between ₹400 and ₹4,000 at all government and private fuel stations in India. (1% fuel surcharge waiver at all petrol pumps in India on transactions between ₹400 and ₹5). The monthly waiver is subject to a cap, and GST charged on the surcharge is non-refundable.
