EasyEMI Card – HDFC Bank

• 5% CashBack on Amazon, Flipkart, Flight & Hotel bookings on shopping via PayZapp and SmartBuy (minimum transaction size of ₹2000, Max ₹1000 CashBack per calendar month in first 6 months, Max ₹ 750 CashBack post 6 months from card issuance)
• 2.5% CashBack on all online spend (minimum transaction size of ₹2000, maximum CashBack = ₹750 / calendar month)
• 1% CashBack on all offline spends and Wallet reloads (Minimum transaction size of ₹100, maximum CashBack = ₹750 / calendar month)
• All transactions of ₹10,000 and above will be auto-converted to EasyEMI for 9 months (Processing Fee of ₹99 + GST and ROI of 1.67% per month will be levied). Auto conversion is not applicable on gold, jewelry and fuel transactions. Auto EMI conversion will be processed after 5 business days from the date of transaction. ( Note: Auto EMI is not processed if the Easy EMI Credit Card is in block state )

• Zero Cost liability: In the unfortunate event of losing your HDFC Bank EasyEMI Card, on reporting it immediately to our 24-hour call center, you have zero liability on any fraudulent transactions made on your Credit Card.
• Interest-Free Credit Period: Up to 50 days of interest-free period on your HDFC Bank EasyEMI Card from the date of purchase (subject to the submission of the charge by the Merchant)
• Revolving Credit: Available at a nominal interest rate on your HDFC Bank EasyEMI Card.

1% fuel surcharge waiver at all fuel stations across India
(on minimum transaction of ₹400. Max CashBack of ₹250 per statement cycle)

₹1000 worth of gift vouchers on spends of ₹1,00,000 and above in each calendar quarter, for the first year only.

500 Cash Points (applicable only on payment of membership fee)

Spend ₹20000 & above in the first 90 days and get the first-year membership fee waived off.

Spend ₹50,000 and above in the first year and get a waiver on the renewal membership fee.

• The HDFC Bank EasyEMI Card is enabled for contactless payments, facilitating fast, convenient and secure payments at retail outlets.
• To see if your Card is contactless, look for the contactless network symbol on your Card.

(Please note that in India, payment through contactless mode is allowed for a maximum of ₹5000 for a single transaction where you are not asked to input your Credit Card PIN. However, if the amount is higher than or equal to ₹5000, the Cardholder has to enter the Credit Card PIN for security reasons)

CashBack Accrual:

• CashBack will be given in the form of CashPoints, which can be redeemed by you against the statement balance (on request only).
• The redemption against the statement balance will be at the rate of 1 CashPoint = ₹1
• The minimum CashPoint balance required for redemption against the statement balance is 2500 CashPoints.
• CashPoints can also be used for redemption against travel benefits like Flight & Hotel bookings and Rewards Catalogue at the SmartBuy Rewards Portal, at a value of 1 CashPoint = Upto ₹0.30.
• Unredeemed CashPoints will expire/lapse within 1 year of accumulation
• Flights and Hotels redemption information, Credit Card members can redeem up to a maximum of 50% of the booking value through Reward Points. The rest of the transaction amount will have to be paid via the Credit Card limit
• Redeem CashPoints at the conversion rate of 1 CashPoint = ₹0.30

CashPoint validity:

• Cashback as per product features will be credited in the form of cashpoints. Cash points are valid only for 1 year from the date of accumulation