HDFC Smart EMI

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 ave HDFC Bank Credit Card

Documents Required for the application

• No Documents required

CashKaro Rewards Details

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