Working Professional,
Varanasi
(March 2021)
Smart EMI for Credit Card Spends - Pay in EMIs
Whether you shopped Big or Small,
Pay in EMIs for all!
Let your happy memories of shopping not worry you, later.
Here’s a SmartEMI solution.
Easily convert your Credit Card spends into EMI with the flexibility of choosing EMI duration as well.
In April’21, 70,000+ customers converted their HDFC Bank Credit Card spends into SmartEMI
You can convert your Credit Card spends into SmartEMI,
in just 3 clicks?
It’s very Easy!! Watch this video Right Now
Frequently Asked Questions
1. What is SmartEMI?
It’s an option for eligible customers to easily repay their HDFC Bank Credit Card spends in EMIs.
2. How can I avail SmartEMI?
To check the eligibility of your HDFC Bank Credit Card amount to convert to EMI, you can use the following options.
- NetBanking: Login to your NetBanking account and check your eligibility under Cards - Credit Cards - Transact - SMARTEMI
- SMS: On confirmed eligibility, you will receive an SMS on your registered mobile number with the loan details. You will have to send your consent on the shared 7-digit number from your registered mobile number.
3. What type of spends can be converted into SmartEMI?
You can convert any spends via your HDFC Bank Credit Card into SmartEMI except for spends below ₹500, Jewellery & Cash transaction.
4. What is the Interest rate & tenure for SmartEMI?
We offer the lowest Interest rate for SmartEMI starting @1.67% per month depending on the tenure that ranges from 6, 9, 12 & 24 months.
5. What will be my 1st EMI date?
Your 1st EMI date will start with your upcoming Credit Card bill date.
6. If I avail SmartEMI, will my Credit Card limit change?
The limit on your Credit Card will be blocked as per the amount you convert into SmartEMI.
E.g.: If your Credit Card limit is ₹1 lakh & you’ve converted the spend of ₹20,000 into SmartEMI.
In this case, ₹20,000 will be blocked from your Credit Card limit which will be released with every EMI as per the principal amount of the EMI.
