All cards / HDFC Bank
HDFC Bank
HDFC Bank Easy EMI Credit Card
Visa
HDFC Bank Easy EMI Credit Card
An entry-level card built around automatic EMI conversion for larger purchases, with modest cashback layered on top — useful for spreading out big-ticket spends rather than for maximizing rewards.
Rates and fees last verified 15 July 2026.
Annual fee
₹500
Joining fee
₹500
Reward type
cashback
Base reward rate
1%
Card network
Visa
Card tier
Entry
Benefits by category
- 🛍️ Shopping
5% reward rate (capped ₹500/monthly)
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹20,000
- Employment: salaried, self-employed
- Age: 21–60
Benefits
- 500 CashPoints as welcome/renewal benefit on payment of membership fee
- Purchases above ₹10,000 auto-convert into a 9-month EasyEMI
Pros
- + Automatic EMI conversion on big-ticket spends
- + Low fees, easily waived
- + Decent cashback on online shopping
Cons
- − Cashback cap is low for heavier spenders
- − Auto-EMI conversion carries interest unless a no-cost EMI offer applies