HDFC Bank SmartEMI
How to get this & earn coins
1 Complete the offer
2 Claim & redeem your coins
- Complete the goal above to earn 🪙 300 coins.
- Go to the Rewards page and submit your proof (screenshot + phone / transaction ID).
- We verify it manually and credit the coins to your account.
- Redeem your coins for free games, skins or game credits once you reach 2,000 coins.
About this offer
HDFC Bank SmartEMI lets you convert eligible HDFC Credit Card transactions into easy monthly EMIs, instead of paying the full amount at once. Pick a comfortable tenure through a quick, paperless process — with instant approval for eligible customers.
Key benefits
- Convert eligible credit card spends into easy monthly EMIs
- Flexible EMI tenure options
- Quick, paperless digital process
- Instant approval for eligible customers
- Affordable monthly payments
Frequently asked questions
Who is eligible?
Customers with an eligible HDFC Bank Credit Card and a good repayment history.
What is the minimum transaction amount?
The minimum eligible transaction amount is ₹15,000.
How long does conversion take?
It’s usually processed instantly after successful verification and approval.
Fees & charges: Processing fee up to ₹849 + GST; foreclosure fee 2%; interest starting from 0.99% per month. Approval, tenure and charges are decided solely by HDFC Bank as per their prevailing terms. Once processed, a SmartEMI request cannot be cancelled.
Terms that matter
- SmartEMI is available only for eligible HDFC Bank Credit Card holders.
- The minimum eligible transaction amount is ₹15,000.
- Your credit card should have no overdue payments and you should have a good credit history, with no past delays or defaults on credit card bills.
- Eligibility may depend on the bank's criteria, including any ongoing loan or SmartEMI obligations.
- Once your SmartEMI request is successfully processed, it cannot be cancelled. Approval, tenure and charges are at the sole discretion of HDFC Bank.
Earn 300 reward points
Complete this through the button above, then submit proof to claim your reward points. Verified manually before crediting.