Reward Type


Key Features

  • 5% CashBack on Amazon, Flipkart, Flight & Hotel bookings on shopping via PayZapp and SmartBuy (minimum transaction size of ₹2000, Max ₹1000 CashBack per calendar month in first 6 months, Max ₹ 750 CashBack post 6 months from card issuance)
  • 2.5% CashBack on all online spends (minimum transaction size of ₹2000, maximum CashBack = ₹750 / calendar month)
  • 1% CashBack on all offline spends and Wallet reloads (Minimum transaction size of ₹100, maximum CashBack = ₹750 / calendar month)
  • All transactions of ₹10,000 and above will be auto converted to EasyEMI for 9 months (Processing Fee of ₹99 + GST and ROI of 1.67% per month will be levied). Auto conversion not applicable on gold, jewellery and fuel transactions. Auto EMI conversion will be processed after 5 business days from the date of transaction. ( Note : Auto EMI is not processed if the Easy EMI Credit Card is in block state )  


  • With effect from 1st January 2023, Rent payments and Govt Related transactions will NOT earn Reward Points

For detailed Terms & conditions Click here

Additional Features

  • Zero Lost card liability : In the unfortunate event of losing your HDFC Bank EasyEMI Card, on reporting it immediately to our 24-hour call centre, you have zero liability on any fraudulent transactions made on your Credit Card. 
  • Interest Free Credit Period : Up to 50 days of interest free period on your HDFC Bank EasyEMI Card from the date of purchase (subject to the submission of the charge by the Merchant)
  • Revolving Credit : Available at a nominal interest rate on your HDFC Bank EasyEMI Card. Please refer to Fees and Charges section to know more.

Fuel Surcharge Waiver

1% fuel surcharge waiver at all fuel stations across India 
(on minimum trasaction of ₹400. Max CashBack of ₹250 per statement cycle)

Launch Offer

₹1000 worth gift vouchers on spends of ₹1,00,000 and above in each calendar quarter, for the first year only.

Welcome Benefit

500 Cash Points 
(applicable only on payment of membership fee)

Milestone Benefit

Spend ₹20000 & above in the first 90 days and get first year memebership fee waived off. 

Renewal Offer

Spend ₹50,000 and above in the first year and get a waiver on the renewal membership fee 

Contactless Payment

  • The HDFC Bank EasyEMI Card is enabled for contactless payments, facilitating fast, convenient and secure payments at retail outlets. 
  • To see if your Card is contactless, look for the contactless network symbol on your Card. 

(Please note that in India, payment through contactless mode is allowed for a maximum of ₹5000 for a single transaction where you are not asked to input your Credit Card PIN. However, if the amount is higher than or equal to ₹5000, the Card holder has to enter the Credit Card PIN for security reasons)

Reward Point/CashBack Redemption & Validity

CashBack Accrual:

  • CashBack will be given in the form of CashPoints, which can be redeemed by you against the statement balance (on request only).
  • The redemption against the statement balance will be at the rate of 1 CashPoint = ₹1
  • The minimum CashPoint balance required for redemption against the statement balance is 2500 CashPoints.
  • CashPoints can also be used for redemption against travel benefits like Flight & Hotel bookings and Rewards Catalogue at the SmartBuy Rewards Portal, at a value of 1 CashPoint = Upto ₹0.30.
  • Unredeemed CashPoints will expire/lapse within 1 year of accumulation
  • Flights and Hotels redemption information, Credit Card members can redeem up to a maximum of 50% of the booking value through Reward Points. Rest of the transaction amount will have to be paid via the Credit Card limit
  • Redeem CashPoints at the conversion rate of 1 CashPoint = ₹0.30
  • With effect from 1st February 2023, Reward points redemption for CashBack redemption are capped per calendar month to 3,000 rewards points.
  • With effect from 1st February 2023, cardmembers can redeem upto 70% of product/Voucher value through Reward points on select vouchers/products and pay the remaining amount via Credit card.
  • For further details, on the process to redeem CashPoints, Click here

*Please check important Terms and Conditions for CashBack accrual and redemption.

ProductCost per Point (in Rs)
Product CatalogueUnified SmartBuy (Flights/Hotels)Cash back
EasyEMIUpto 0.300.301.00

CashPoint validity:

  • Cashback as per product features will be credited in the form of cash points. Cash points are valid only for 1 years from the date of accumulation