How Can I Convert my HDFC Credit Card Payment to EMI?

Run up your Credit Card bill for the month? Are you concerned about the settlement of all your payments at once?

We have good news! You can convert HDFC Credit Card bill into EMI online. This facility is offered on the majority of our Credit Cards, through the SmartEMI platform.

Allow us to walk you through the SmartEMI service and how you can avail the eligibility for the conversion to EMI.

What is SmartEMI?

This facility lets you convert HDFC Bank Credit Card bill to EMI. It is an exclusive service offered. However, for conversion, you need to be eligible for this purpose. What you should know is, your credit limit gets blocked when you opt for SmartEMI.

We'll take you through that in a minute. You can convert most of the credit card payments into the proposed EMI schemes. Although, a Credit Card purchase of gold or any jewellery is not entitled to EMIs. Additionally, transactions that crossed 60 days or more, can't be taken into consideration. 

How to convert HDFC Bank Credit Card bill to EMI? 

To apply for the scheme, first, check the eligibility of your Credit Card. The qualifying criteria check can be done using either NetBanking or Phone Banking.

Online: To instantly check eligible transactions and convert it into flexible EMIs, Click Here.


 Let our step by step guide assist you in checking your eligibility via HDFC Bank NetBanking.

1. Log in to your HDFC Bank NetBanking account

2. Click the Cards tab

3. Next, under Credit Card, select the Transact, then the SmartEMI option

4. An unbilled transactions page will appear. Choose your specific card.

5. Select Debit as your transaction type. Select view.

6.  An inventory of your Credit Card transactions entitled for SmartEMI will appear, with an option of 'click' to know your eligibility. 

7. Select the 'click' option to convert a particular transaction. 

A detailed summary of the transactions inclusive of the card number, maximum spending limit, loan amount, interest rate and tenure will appear. Select the tenure which is most suitable for your repayment. The interest rate is determined based on your eligibility, and you can view this rate once you click your desired tenure. 

8.  Confirm the terms and conditions by selecting submit. A final overview of loan details will be displayed. 

9.  On confirming the transaction, an acknowledgement message and reference loan number are sent via SMS. 

Your loan is processed and approved. You have successfully managed to convert HDFC Bank Credit Card bill into EMI online. 

With HDFC Bank NetBanking you can opt for SmartEMI on your unbilled amount. To convert your billed amount into EMIs, follow the PhoneBanking process.

You can convert billed Credit Card amount to EMI with HDFC Bank through PhoneBanking. 

You can look up and call the customer care number unique to your city. Inform the customer care executive about the interest rate, available amount, and tenure for repayment. After confirmation, your loan is instantly approved without documentation. 

This facility effortlessly lets you convert HDFC Bank Credit Card bill to EMI. 

Now that you know the ways on how to convert Credit Card bill to EMI with HDFC. You can enjoy all your shopping splurges without the hassle of paying hefty bills. To convert your HDFC Bank Credit Card payment to SmartEMI, click here.

*Terms and conditions apply. Credit Card approvals at the sole discretion of HDFC Bank limited. Credit Card approvals is subject to documentation and verification as per Banks requirement.