Ease of Accessibility

We offer a variety of purchases through your HDFC Bank Credit Card that you can easily convert into SmartEMI. Inclusive purchases are as follows: 

  • Insurance 

  • Groceries

  • Medical

  • Petrol

  • Utility

  • Apparel

  • Education

  • Electronics

  • Travel

Do note that any Gold and Jewellery linked transaction is not permitted for conversion into SmartEMI due to policy guidelines*.


Rate of Interest

Convert your HDFC Bank Credit Card Spends to SmartEMI at low and attractive interest rates

EMI & Repayment

  • 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.

Flexible Tenure

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

Processing Fees & Purchase Transactions

  • 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 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.