hdfc credit card : how to convert hdfc credit card invoice to EMI online

When you use your credit card to make a large purchase, you must pay the card-issuing bank by the next due date. If you miss the payment date, you will be charged late payment fees and high interest on the amount owed.

If you split your payment into equivalent monthly installments (EMI), you won’t have to pay the full purchase amount all at once, but rather over a period of time. According to the HDFC Bank website, “The interest rate charged for this credit card ‘loan’ is also lower than the interest rate charged for late payment and the interest is calculated on the declining balance. monthly.”

How to convert HDFC credit card invoice to EMI online?

Step 1: Log in to your HDFC Bank NetBanking account

Step 2: Click on the “Maps” tab

Step 3: Under Credit Card, select “Transact” and then the “SmartEMI” option

Step 4: An Unbilled Transactions page will appear. Choose your specific card

Step 5: Select “Debit” as the transaction type. Select “Show”

An inventory of your SmartEMI-eligible credit card transactions will appear, with the option to “click through” to learn more about your eligibility.

Step 6: Select the “click” option to convert a particular transaction amount payable to EMI

Step 7: Choose the recovery period that best suits your needs. The interest rate is calculated based on your eligibility and you can see it once you have selected a term

Step 8: Select “Submit” to confirm the terms and conditions. A final summary of loan information will be displayed.

Upon confirmation of the transaction, an acknowledgment message and loan reference number are sent via SMS to the registered mobile number. You can choose from a flexible repayment tenure ranging from 6 to 24 months as per your convenience.

How to convert credit card amount to EMI with HDFC via PhoneBanking

According to the HDFC website, “You can find and call the customer service number unique to your city. Inform the customer service manager of the interest rate, amount available, and repayment term. After confirmation, your loan is immediately approved without documentation. This facility allows you to effortlessly convert HDFC credit card invoice to EMI.”


The HDFC Smart EMI option service allows you to convert your HDFC credit card bill to EMI. However, you must be eligible for conversion to convert. Also note that if you choose SmartEMI, your credit limit will be reduced.

Transactions not eligible for EMI

Refund via EMI is not available for gold or jewelry purchases made by credit card. Also, transactions that lasted 60 days or more are not eligible.

Fees and charges

The cost of converting a credit card bill payment to EMI varies from bank to bank. . While some banks may charge a small one-time processing fee, others may provide this service for free. If you choose to repay the loan earlier than expected, you may be charged pre-closing fees. So, better go through the terms and conditions before opting for the EMI option.

People considering conversion should only use the EMI option in an emergency when they are unable to pay credit card bills on time and have exhausted all other options. Also, compare the interest rate of credit card EMIs with that of a personal loan or supplemental loan before signing up for the EMI option. Choose the cheapest option from the list.

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