SmartEMI

Convert purchases across categories like: Insurance, Groceries, Medical, Petrol, Utility, Apparel, Education, Electronics, Travel, Education & More *Note: Cash Withdrawals and purchases done on Gold, Jewelry & Gambling related MCC’s are ineligible for Smart EMI.

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

• 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. To check your EMI amount, click here. 
• 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. Refer to the Terms and Conditions for more details.
  

You can choose a repayment tenure based on your convenience, ranging from 6 to 48 months.

• When you convert your transactions to Smart EMI, a processing fee of Rs.849 (Exclusive of GST) is applied
• Transactions more than 60 days cannot be converted into 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.

Rate offered to the customer during the period of 1st Oct'24 To 31st Dec'24

Annual Percentage Rate offered to customer during the period of 1st Oct'24 To 31st Dec'24

You can convert your billed and unbilled transactions easily into EMI.

It’s a pre-approved offer, no documents are required.

Your EMI will be billed to your credit card statement and will be part of the Minimum Amount Due.