HDFC Smart EMI

Convert purchases into easy EMIs and access flexible repayme...Convert purchases into easy EMIs and access flexible repayment options. Gain access to a diverse range of financial services and access personalized offers. Benefit from a range of advantages such as flexible repayment options and no hidden charges. Enjoy a seamless application process and quick disbursal of funds.

Upto ₹1600 Rewards

on Loan Amount Disbursal

Top HDFC Smart EMI Offers

Earn Up to ₹1600 CashKaro Rewards on HDFC Instant Loan on Credit Card Disbursal

HDFC Smart EMI Benefits

1100% Digital Journey

2Low Interest Rates

3Convert your credit card spends to SmartEMI within 5 mins

Important Timelines

Important Terms & Conditions

This offer is only for Existing credit card holders of HDFC Bank
Please use your Aadhaar linked Mobile number to complete the application

*The coupons and offers listed on this store are subject to modification, suspension, or termination at any time without prior notice. Customers are advised to verify the availability, validity, and applicability of the offers directly with the merchant before making any purchase.

Rewards Rates

₹1,600

Rewards on Total Loan Amount over Rs 5 Lakh

₹800

Rewards on Total Loan Amount between Rs 3 lakh - Rs 5 Lakh

₹400

Rewards on Total Loan Amount between Rs 2 lakh - Rs 3 Lakh

₹200

Rewards on Total Loan Amount between Rs 1 lakh - Rs 2 Lakh

₹100

Rewards on Total Loan Amount between Rs 50000 - Rs 1 Lakh

₹50

Rewards on Total Loan Amount between Rs 25000 - Rs 50000

₹0.0

Rewards on Total Loan Amount below Rs 25000

All HDFC Smart EMI Offers

Expires in 5 days

Earn Up to ₹1600 CashKaro Rewards on HDFC Instant Loan on Credit Card Disbursal

More Details About the Offer

About HDFC Smart EMI on Credit Card

Enjoy attractive interest rates, among the lowest in the market
Repay loans in easy and flexible instalments based on your needs
Choose a tenure between 6 to 48 months
Your HDFC Bank Credit Card number and registered mobile number is required for OTP verification before the final conversion of your spends in to EMIs

Important Information

Offer only available for Existing HDFC Credit Card Holders
When you convert Credit Card outstanding balance to EMI through SmartEMI, a processing fee of Rs.499 (Exclusive of GST for all loan amounts) is applied
Transactions older than 60 days cannot be converted into EMI
Only your HDFC Bank Credit Card number and registered mobile number is required for OTP verification to convert your spends into Smart EMI
For any Purchase Transaction through your HDFC Bank Credit Card, any Reward Points earned will be reversed if the transaction gets converted into SmartEMI
Your EMI amount is calculated based on the total transaction value of the Credit Card transactions you wish to convert, the repayment tenure you select, and the applicable interest rate
Your repayment amount comprises the EMI plus GST, billed monthly starting from your next Credit Card billing cycle. It will be listed under the Minimum Amount Due (MAD) in your Credit Card statement
Loan Amount and Rate of Interest offered is based on HDFC Internal process

Eligibility Criteria

User should have HDFC Bank Credit Card

Documents Required for the application

No Documents required

CashKaro Rewards Details

Category	CashKaro Rewards
Rewards on Total Loan Amount over Rs 5 lakh	Rs 1600
Rewards on Total Loan Amount between Rs 3 lakh - Rs 5 Lakh	Rs 800
Rewards on Total Loan Amount between Rs 2 lakh - Rs 3 Lakh	Rs 400
Rewards on Total Loan Amount between Rs 1 lakh - Rs 2 Lakh	Rs 200
Rewards on Total Loan Amount between Rs 50000 - Rs 1 Lakh	Rs 100
Rewards on Total Loan Amount between Rs 25000 - Rs 50000	Rs 50
Rewards on Total Loan Amount below Rs 25000	Rs 0

How to Apply for HDFC Smart EMI on Credit Card

Click on the Orange Button
You will be redirected to HDFC Bank Website
Provide your registered mobile number with HDFC and last 4 digits of your credit Card Number
Select the loan amount and Tenure from the list

How to Get This Offer?

Eligibility Criteria

User should have HDFC Bank Credit Card

Documents Needed

No Documents required

Steps To Apply

Click on the orange button
You will be redirected to IndusInd Bank's official website
Provide your registered mobile number with HDFC and last 4 digits of your credit Card Number
Complete the application in the same session

Terms & Conditions

CashKaro Rewards Related

This offer is only for Existing credit card holders of HDFC Bank
Please use your Aadhaar linked Mobile number to complete the application

Also, Remember

Resume your application only via CashKaro to avoid losing Rewards
Missing Rewards will initially track at Rs. 1600 but will be corrected at the time of confirmation
If your Rewards do not track, raise a Missing Rewards Ticket within 30 Days from the application date
Rewards can only be redeemed as Amazon Pay Balance

HDFC Smart EMI Benefits

1100% Digital Journey

2Convert your credit card spends to EMI with interest rates starting from 0.99% per month

3You can seamlessly convert your billed and unbilled transactions into EMIs instantly

4Flexible tenure from 6 to 48 months

Rewards Tracking Timeline

HDFC Smart EMI shares Tracking Report with us within 72 hours. If your Rewards do not track within 72 hours, you may raise a Missing Rewards Ticket.

Rewards Confirmation Timeline

Once your loan is disbursed, the lender shares a report with us which is used to update your Rewards status. Please note, this process can take up to 75 days, starting from the date you applied for the loan.

Accept App Orders?

Orders placed on HDFC Smart EMI app are eligible for Rewards

Accept App Orders?

Orders placed on HDFC Smart EMI app are not eligible for Rewards