No Swipe EMI Payment with Mobile & Pan Card on Your Shopping

Shop for electronics, smartphones, home appliances and more at any retail or online store with ease by making a Cardless EMI payment via HDFC Bank.

HDFC Bank offers no down-payment EMI option without any documentation to pre-approved customers. What's more, you can also avail exciting CashBack offers! All you need to do is share your registered mobile number and PAN number. This means that you can complete your purchase without your Debit or Credit Card.

Make a completely No Swipe purchase today and pay later in easy instalments using an OTP-based approval.

This festive season, bring home happiness without worrying about costs. Whether it is upgrading to the latest smartphone for Diwali, gifting appliances to loved ones during Dussehra, or shopping for festive essentials, Cardless EASYEMI makes it simple. Avail No Interest EMI up to 48 months and shop stress-free while you enjoy the celebrations.

Explore merchant offers https://myoffers.smartbuy.hdfcbank.com

Check out Festive Treats for the latest festive offers

Offer valid till 31st October 2025

T&C Apply. Interest to be borne by merchant. Cardless EASYEMI available for pre-approved customers only at the sole discretion of HDFC Bank.

All You Need To Know

Features of HDFC Bank Cardless EMI

Easy: Avail of EMIs and without any down-payment from leading stores and online merchants.
Convenient: Purchase with just your mobile and PAN number. No document submission required
Flexible repayment: From 3 months to 24 months, choose a tenure according to your needs with our pocket-friendly repayment options.
Instant approvals and disbursal: Skip the waiting period and processing time and receive instant funds
Full finance: Get 100% finance to buy any products and services, and pay a convenience fee of just Rs. 299 + GST.
Available at leading stores and online merchants: Enjoy the Cardless EMI benefits on popular Online platform such as Flipkart, Amazon, Policy Bazar, Make My Trip among others and Offline such as Kaya, VLCC & more.

Eligibility

HDFC Bank’s Cardless EMI option is extended to select pre-approved customers.
Check your eligibility by sending ‘EasyEMI’ to on whatsapp no. 7070022222.
Give a missed call to 9643222222 from your bank’s registered mobile number.

How does it work?

Online Journey -

Login to Merchant's App.
Select the Product and proceed for the Checkout Page.
Choose EMI and select HDFC Bank Cardless EMI.
Choose your tenure, accept KFS and confirm the Terms and conditions.
Input your PAN number and authenticate OTP.
Your transaction is completed successfully.

Instore Journey -

Visit a store and choose a product.
At billing counter, opt for the Cardless EMI option.
Provide your 10-digit mobile number and PAN number.
Enter the OTP rceived to confirm.
Your transaction is completed successfully.

Terms & Conditions apply.

Click here to view Cardless EMI partners

Click here to check the Terms & Conditions.

Where to avail Cardless EMI option* -

Category	Brands
Electronics and smartphones	Apple, Sony, Bosch, Whirlpool, OnePlus, Apple ( MacBook & iPad ) , HP, Dell & many more
eCommerce & Travel	Amazon, Flipkart, Makemytrip, Goibibo & many more
Health & Wellness / Hospitals	VLCC, Dr Batra, Kolors, Kaya, Vibes, Clove Dental, Apollo, Indira IVF & many more
Education	Intellipaat, Simplilearn, ExcelR, Be10x & many more
Others	Policybazaar, Niva Bupa Health Insurance, Aditya Birla Health Insurance, Star Health & many more

*Please be aware that this list is not exhaustive and there could be more brands offering Cardless EMI.

Shop and make payments via Cardless EMI

All You Need To Know

EasyEMI on Credit Card

EasyEMI on Debit Card

EasyEMI on Consumer loans

Cardless EMI

Features of HDFC Bank Cardless EMI

Eligibility

How does it work?

Where to avail Cardless EMI option* -

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