How to Avail SmartEMI on HDFC Bank Regalia Gold Credit Card
30 April, 2024
Synopsis
SmartEMI feature allows you to turn your significant purchases into manageable monthly instalments.
Avail of this feature by visiting HDFC Bank’s SmartEMI portal.
Check your SmartEMI eligibility through multiple ways including NetBanking, Mobile Banking and more.
Nobody likes it when you have to stop yourself from making a necessary purchase just because it is too expensive. That is why the HDFC Bank’s Regalia Gold Credit Card comes with the SmartEMI feature that allows you to convert significant purchases into manageable instalments. It offers competitive interest rates and flexible repayment terms for enhanced convenience. So, keep reading on to learn more about SmartEMI options and never stop yourself from buying the things you want.
Understanding SmartEMI on Regalia Gold Credit Card
With this feature, you can convert big purchases to SmartEMIs using Regalia Credit Card without financially straining yourself. Upon making a qualifying purchase, the Regalia Gold Credit Card provides the flexibility to convert it into Equated Monthly Instalments (EMIs), easing the burden of large spends. It also offers a post-purchase EMI conversion option.
Steps to Avail SmartEMI on Regalia Gold Credit Card
Here are the steps involved in availing SmartEMI options:
Visit the HDFC Bank’s SmartEMI portal.
Login using your registered mobile number and providing Credit Card details.
Choose the transaction you want to convert into SmartEMI wisely.
Select the repayment tenure that suits your financial preferences.
After selecting the tenure and reviewing the terms, confirm the SmartEMI conversion.
Ways to Check Your Eligibility for SmartEMI
Ensuring eligibility before converting your Credit Card transactions into SmartEMI is crucial. HDFC Bank provides several convenient options for you to check your eligibility:
Online check: Utilise HDFC Bank's online portal to instantly verify eligible SmartEMI transactions. This option offers immediate insight into which transactions can be converted into EMIs.
NetBanking Login: Access your HDFC Bank NetBanking account and navigate to the designated section: Cards > Credit Cards > Transact > SmartEMI. This section provides detailed information on your SmartEMI eligibility, empowering you to plan your conversions conveniently.
Phone Banking assistance: Leverage the bank's 24x7 Phone Banking service. Connect with a customer service representative who will guide you through the process of verifying your eligibility for SmartEMI. This option offers personalised assistance to address any queries regarding eligibility criteria.
Direct contact via call: HDFC Bank sales executives proactively reach out to eligible customers via their registered contact numbers. Upon confirming eligibility, they provide detailed information about the loan, ensuring customers stay informed about their potential SmartEMI options.
Confirmation via SMS: Upon confirming your eligibility for SmartEMI, HDFC Bank sends a confirmation SMS to your registered mobile number. This SMS includes essential loan details, allowing you to review the specifics of the potential EMI conversion.
Advantages of Using SmartEMI on Regalia Gold Credit Card
The SmartEMI feature on the HDFC Bank Regalia Gold Credit Card brings forth several advantages, making it a versatile and convenient tool for managing expenses:
Wide range of purchases: The SmartEMI facility extends to an array of purchases made using your HDFC Bank Credit Card. These inclusive purchases span across various categories, including utility bills, travel bookings, educational expenses, electronics and more.
Attractive rate of interest: Enjoy the benefit of converting your HDFC Bank Credit Card spends into SmartEMI at attractive interest rates. These competitive rates make SmartEMI an affordable financing option, providing financial ease and minimising the burden of high-value purchases.
Flexible tenure options: With the Regalia Gold Credit Card, you have the option to choose a repayment tenure that aligns with your financial comfort. With tenures ranging from 6 to 48 months, you can divide your payments over a certain period that suits your financial situation.
Make Big Purchases with Regalia Gold Credit Card
By taking advantage of SmartEMI feature, you can use the Regalia Gold Credit Card to enjoy the benefits it offers and experience the flexibility to choose a repayment tenure that fits your financial goals. This enables greater financial control and convenience, ensuring a smoother and more manageable approach to significant expenses. So, apply for your Regalia Gold Credit Card today!
*Terms and conditions apply. The information provided in this article is generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. Credit Card approvals at the sole discretion of HDFC Bank Limited. Credit Card approvals is subject to documentation and verification as per Bank's requirement. Interest rates are subject to change. Please check with your RM or closest bank branch for current interest rates.
