Credit Card EMI

EMI on Debit Card

Features & Benefits of Debit Card EMI

  • NO BLOCKING of money in account
  • No Extra Cost EMI:
    Avail of EMIs at No Extra Cost with leading manufacturers such as  Samsung, Google, LG, and Sony
  • A convenience or processing fee of Rs.99 plus GST will be charged.
  • Flexible Repayment Tenure: 
    Choose a tenure according to your needs, from 3 months to 36 months, with our pocket-friendly repayment options.
  • Instant Approvals & Disbursal
    Cut the waiting period and processing time -- get funds instantly!
  • No documentation
  • No Down Payment
    Get 100% finance to buy the products and services you need

Eligibility Criteria

Check loan eligibility on HDFC Bank Debit Card SMS 'MYHDFC' to 5676712

Minimum Loan Amount

Rs.   5,000

Maximum Loan Amount

Rs. 5,00,000

Brands Available under No Extra Cost EMI(subject to availability)*

Shoppers Stop Ltd

Extra Marks



Royal Oak


No documentation is required for Debit Card EMI

Fees & Charges:

  • Auto Debit return penal interest 
    2% plus GST @ 18% whenever applicable (subject to change as per Govt. instruction), subject to a minimum of Rs. 450 will be levied.
  • Late Payment Fee 
    Non-Payment or partial payment of EMI outstanding will attract late payment penalty of Rs.300 plus GST @ 18% (subject to change as per Govt. instruction) irrespective of the EMI outstanding.
  • Pre-closure Charges
    Pre-closure of the loan will currently attract a charge of 3% of the balance principal outstanding plus GST @ 18% (subject to change as per Govt. instruction).
  • Rate of Interest: 
    Flat 16% ROI for Debit Card EMI on customer interest bearing model.

General Terms and Conditions

  • This EasyEMI facility is purely optional at merchants and can be withdrawn without any prior notice.
  • availability, delivery, quality, merchantability or suitability of the services to be rendered by merchants under the EasyEMI Scheme and HDFC Bank shall not be held liable for the same in any manner whatsoever.
  • Any tax applicable from time to time as notified by the Government of India, is applicable on all fees, interest and other charges and is subject to change as per relevant regulations of the Government of India.
  • HDFC Bank and merchants reserve the right to add, alter, modify, change or vary all or any of these terms and conditions or replace, wholly or in part, this EasyEMI Scheme by any other scheme, whether similar to this EMI Scheme or not or to withdraw it altogether, without prior notice.
  • Disputes, if any, will be subject to Indian laws and shall be subject exclusively to the jurisdiction of the courts in Chennai.
  • Processing fees will not be reversed in case of full refund or preclosure. 

Loan EMI