How to make smart EMI in HDFC credit card?

Hi friend, I can tell you about the smart EMI option on HDFC credit card as I have recently availed this facility. The Smart EMI option lets eligible HDFC credit card holders convert most of their credit card payments into EMIs. However, purchases involving jewellery or gold aren’t eligible for conversion into EMIs. Moreover, transactions that are 60 days or older aren’t eligible for the scheme. Let me tell you how to apply

smart emi option in HDFC credit card

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How to Activate Smart EMI in HDFC Credit Card

Before your convert your HDFC credit card bills into EMI, check if your card is eligible for the scheme. You can check eligibility using both phone banking and net banking options.

How to Make Smart EMI in HDFC Credit Card through Netbanking

• Ensure your credit card is linked to your HDFC A/c. After that, log in to HDFC Net Banking and go to the "cards" option. Here, choose "credit cards". Then go to the "Transact" option and choose "Smart EMI".
• Here, you’ll see all your unbilled transactions. Select your card from the drop-down menu and choose "debit". Here, you’ll see all the eligible transactions that you can convert to EMI under the Smart EMI scheme
• For conversion, tap on "Click to Know Your Eligibility" next to transactions. On the new page, you will see all the relevant info to convert the transaction into EMIs like the loan amount, interest rate, tenure, etc.
• After tapping on “Submit”, you’ll see a confirmation with the reference number and loan number confirming your HDFC credit card bill has been converted into EMIs.

This is how to activate smart EMI in HDFC credit card through Net Banking.

How to Get Smart EMI in HDFC Credit Card through Phone Banking

• Go to the official website of HDFC Bank and look for the phone no. for the phone banking service for your location. Call the number and tell the executive that you want to convert your HDFC credit card bill payments into EMIs.
• The executive will check if your card is eligible or not. If it’s eligible, he’ll tell you the loan amount, tenure, interest rate, and other details.
• If you agree with the terms and conditions are acceptable, the executive will start the process to convert your HDFC credit card bill to EMIs. You’ll get the confirmation phone call or SMS for the same.

This is how to apply for smart EMI in HDFC credit card through Phone Banking. Read more: What is Smart EMI in HDFC credit card? Can I pay HDFC credit card EMI in advance? How to make HDFC credit card lifetime free through PayZapp? What Is The Late Payment Charges For HDFC credit Card? I hope now you know everything about the smart EMI option in HDFC credit card.