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HDFC Bank allows you to convert your big ticket purchases as well as your credit card outstanding balance into easy EMIs with the SmartEMI facility. This facility comes with attractive interest rates, which is among the lowest in the market. Keep reading to know more on how you can convert your HDFC Bank Credit Card bills into EMIs! 

Features and Benefits of HDFC Credit Card EMI

Manage Finances Effectively

Eligible HDFC Bank credit cardholders can convert their big spends into small monthly EMIs at competitive rates of interest. 

Pre-approved Facility

The SmartEMI facility from HDFC Bank is a pre-approved loan facility. This means that you won’t have to apply for it and wait for approvals. You also won’t have to submit any documents to initiate the Read MoreEMI conversion.  Read Less

Accessible Option

HDFC Bank extends its SmartEMI facility across a number of categories like insurance, petrol, education, groceries, medical bills, and more.

Flexible Repayment Plans

You can tailor your repayment plan as per your financial needs and goals by choosing a tenor that works for you. SmartEMI offers tenor plans ranging from 6 months to 24 months. You can use the HDFC Ban Read Morek Credit Card EMI calculator to ascertain monthly contributions and plan your finances accordingly.  Read Less

Low Processing Fees

You can convert your purchases or credit card bills into EMIs at nominal processing fees. SmartEMI processing fee, starting from ₹499 + GST.

Converting HDFC Bank Credit Card Bills to EMI

Converting your HDFC Bank Credit Card bills into EMI is simple and can be done completely online. Here’s how you can go about doing the same: 

1. Net banking

  • Step 1: Log in to your HDFC Bank netbanking account 

  • Step 2: Click on ‘Credit Card’ under ‘Cards’ 

  • Step 3: Select ‘Transact’ and then click on the ‘SmartEMI’ option 

  • Step 4: All unbilled transactions will appear here, choose your card 

  • Step 5: Select ‘Debit’ as the transaction type 

  • Step 6: Click on ‘View,’ here you will see all credit card transactions that may be converted into SmartEMI

  • Step 7: Select ‘Click to Know Your Eligibility’ to know if that transaction is eligible for SmartEMI conversion

  • Step 8: If it is, you can convert it into an EMI by clicking agreeing to the terms and conditions and clicking on ‘Submit’ 

  • Step 9: Once your confirm, an acknowledgement message will be sent to you via SMS Congratulations, your SmartEMI conversion is now complete! 

Things to Note while Converting HDFC Bank Credit Card Payments into EMIs

Here are some important pointers to keep in mind while converting your credit card payments into SmartEMIs:

  • Since SmartEMI is a pre-approved offer, all HDFC Bank credit cardholders are eligible for the same. HDFC Bank Credit Card EMI conversion eligibility is determined by a number of factors like income level, credit score, relationship with the issuer, etc. 


    Similarly, even if you are eligible for SmartEMI, not all your transactions will be eligible. So, it’s best that you check with the credit card issuer. 

  • You can choose your repayment tenor when you’re converting your credit card bill payments into EMI. Once it’s been converted, you will not be able to change it. 

  • Any reward point that you accumulated from a transaction that has been converted into EMI will be forfeited. 

  • A processing fee of up to ₹499 + GST will be applicable on SmartEMI conversions. 

  • While interest will be levied on SmartEMIs, the rate of interest will vary depending on the loan value. 


The information provided by BFDL herein above is related to the Non-Partnered Banks/ NBFCs and is just for the purpose of information and under no circumstances the information provided hereinabove is intended to be source of advice or recommending any financial advice or endorsement of any sort.

The information including interest rates or fees and charges with regard to any credit card, provided on this website is gathered through publicly available sources over the internet and is considered as accurate and reliable to the best of our knowledge. BFDL disclaims any responsibility or liability regarding inaccuracies, omissions, mistakes etc. as well as offers by the Non-Partnered Banks or NBFCs. The use of information set out is entirely at the User’s own risk and User should exercise due care prior taking of any decision, on the basis of information mentioned hereinabove. You are advised to visit/ contact the respective Banks/ NBFCs to verify the information before making any application or opening an account. Further, BFDL does not undertake any responsibility or liability to update this information. YOU ARE SOLELY RESPONSIBLE FOR ANY LIABILITY OR DAMAGE YOU INCUR THROUGH ACCESS TO OR USE OF THE SITE OR SUCH INFORMATION OR MATERIALS EXCEPT WHERE THE LAWS AND REGULATIONS OF A PARTICULAR JURISDICTION CONCERNING WARRANTIES CANNOT BE WAIVED. Additionally, display of any trademarks, tradenames, logo and other subject matters of intellectual property owners. Display of such Intellectual Property along with the related product information does not imply BFDL’s partnership with the owner of the Intellectual Property of such products.

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FAQs on HDFC Bank Credit Card EMI

How can I check my HDFC Bank Credit Card EMI?

You can use the HDFC Bank Credit Card EMI calculator to ascertain your EMI amount.

How does credit card EMI work in HDFC Bank?

You can convert your outstanding credit card dues into an EMI. This EMI facility is offered by HDFC Bank to eligible customers at competitive rates of interest and low processing fees.

How does EMI work on HDFC Bank Credit Cards?

There are two ways to enjoy easy EMIs with your HDFC Bank credit card: 

  • You can choose the EMI option when making the purchase with the HDFC Bank Credit Card and convert your entire transaction into an EMI

  • You can convert your credit card bill payments into SmartEMI after the transaction, post sale 

Will I be able to get a no-cost EMI after I purchase?

Unfortunately, the no-cost EMI option can only be availed by you at the time of purchase from online retailers like Flipkart and Amazon, among others. In the case of post purchase HDFC Credit Card EMI conversion, you will be charged interest at a certain specific percentage depending on the tenor that you opt for.

Can I initiate my credit card bill payments via EMI?

You may be able to pay your credit card bills via EMI, but only a certain percentage of the outstanding value may qualify for such a facility.

How can I avail the HDFC Credit Card facility?

You can easily get HDFC credit cards by simply visiting the bank’s website and choosing your preferred card from the credit card section. Then, check your eligibility and submit the required documents online. After approval, you get the card at the registered address.

What is the interest rate on HDFC Credit Card EMI?

The interest rate on HDFC Credit Card EMIs varies between 15% and 20%.

How to convert credit card payments to EMI in HDFC?

You may convert using the net banking option or call the HDFC Bank customer care team through phone banking.

What are the fees and charges to convert an HDFC credit card into EMI?

If you are planning on converting a transaction on your HDFC Credit Card into EMI, you must be aware of the various fees and charges applicable to it. A processing fee of 1% on the transaction value or ₹150 is charged, whichever is higher.


The EMI interest levied on POS transactions is 15% p.a., while it is 18% if you convert it after the purchase. Hence, when planning to pre-close your EMIs, you may have to pay an additional 3% of the total outstanding balance.


Note that the specified HDFC Credit Card EMI interest rates can change from time to time according to the bank’s policies.

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