How can I turn my HDFC credit card bill into EMIs?


When you make a major purchase with your credit card, you must pay the card-issuing bank before the next due date. You will be charged a late payment fee as well as a high interest rate on the amount outstanding if you miss the payment deadline.

If you pay in Equated Monthly Instalments (EMIs), you won’t have to pay the entire purchase price all at once; instead, you’ll pay it over time. “The interest rate charged for this credit card “loan” is also lower compared to the interest rate charged on late payment, and the interest is calculated on monthly diminishing balance,” according to the HDFC Bank website.

How can I convert my HDFC Credit Card bill to an EMI via the internet?

Log into your HDFC Bank NetBanking account first.

Step two: Select ‘Cards’ from the drop-down menu.

Step 3: Select ‘Transact’ under Credit Card, then the ‘SmartEMI’ option.

Step 4: A page titled “Unbilled Transactions” will display. Pick your favourite card.

Step 5: Choose the ‘Debit’ transaction type. ‘View’ should be selected.

An inventory of your SmartEMI-eligible Credit Card transactions will appear, with the opportunity to ‘click’ to learn more about your eligibility.

Step 6: To convert a specific transaction due amount into EMIs, select the ‘click’ option.

Step 7: Choose the payback period that best matches your needs. When you choose a tenure, the interest rate is calculated based on your eligibility, and you may see it.

Step 8: To confirm the terms and conditions, select’submit.’ The loan details will be summarised at the end.

How to use HDFC PhoneBanking to convert credit card funds into EMIs

“You can check up and call the customer care number unique to your city,” according to the HDFC website. Inform the customer care executive about the interest rate, available money, and term for payback. Your loan is granted without documents immediately after confirmation.


HDFC You can use the Smart EMI option service to convert your HDFC credit card bill into an EMI. To convert, you must, however, be eligible for conversion. It’s also worth noting that if you go with SmartEMI, your credit limit will be lowered.

Transactions that do not qualify for EMI

Purchases of gold or jewellery made using a credit card are not eligible for EMI repayment. Additionally, transactions that are 60 days or older are not eligible for consideration.

Charges and fees

The cost of converting a credit card bill payment into EMIs differs depending on the bank. Some banks may charge a nominal one-time processing fee, while others may offer the service for free. You may be charged a pre-closure fee if you want to pay off your loan sooner than expected. It is therefore preferable to read the terms and circumstances before choosing the EMI option.

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