FAQ: How To Convert Emi In Hsbc Credit Card?


How do I change my HSBC credit card to EMI?

Divide your outstanding balance and pay it in easy EMIs.

  1. Choose between loan tenure options of 3, 6, 9 and 12 months.
  2. Rate of interest between 14.49 to 21%p.a.
  3. Processing fee on Balance Conversion: 2.5% (subject to a min of INR250)

How can I convert credit card to EMI?

You can convert billed Credit Card amount to EMI with HDFC Bank through PhoneBanking. 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.
  5. Select Debit as your transaction type.

How do I convert my HSBC outstanding amount to monthly EMI?

Cash On EMI for HSBC Card facility can be availed only by select HSBC Credit Cardholders. You can call the bank at 1860 108 7788 to know about your eligibility to avail the facility. Alternatively, you can also SMS ‘COE’ to 575750and a representative of HSBC will call you back.

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How do I foreclose my HSBC credit card EMI?

HSBC may at its discretion discontinue the Instant EMI facility at any time during the pendency of the facility, foreclose the Instant EMI facility and debit the entire outstanding amount to the Credit Card by providing a 30 days notice. The notice will not be applicable in case of a default.

How do I activate my new HSBC credit card?

You may activate the card in any of the following ways:

  1. Use your ATM PIN to activate the card on an HSBC ATM.
  2. Perform a PIN based transaction.
  3. Call HSBC India PhoneBanking.

What is HSBC credit card interest?

interest is calculated based on the representative 18.9% APR variable and introductory rates are included. We recommend that you pay more than the minimum payment if you can. If you make only the minimum payment each month, it will take you longer and cost you more to clear your balance.

How can I get smart EMI for HDFC credit card?

Do note that you need to hold an HDFC Bank Credit Card currently.

  1. NetBanking: Login to your NetBanking account and check your SMART EMI eligibility under Cards – Credit Cards – Transact – SMART EMI.
  2. PhoneBanking: our 24×7 PhoneBanking service will assist you towards the process to verify your eligibility.

How is credit card EMI calculated?

You can calculate the EMI on your credit card bill with a record of the interest rate and processing fee which is decided by your bank. The EMI will be calculated based on the remainder of the total purchase amount multiplied by the interest rate and tenure, and processing charges.

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Can we pay credit card EMI at once?

Repaying all EMIs at once is known as pre-closing the loan account. The loan officer will also intimate you of any pre-closure charges or penalties. Pay the entire balance amount (sum of all pending EMIs + preclosure charges, if any) using a cheque or DD.

What is cash on EMI?

Features & Benefits The Cash-on-EMI feature on your HSBC Credit Card gives you a convenient way to borrow cash and repay in installments at a lower interest rate. Get instant cash in the form of a draft or by transfer of funds via National Electronic Funds Transfer ( NEFT) facility.

Can I get EMI on debit card?

Debit EMI is a new EMI method using which you can avail EMI on your debit card. You don’t need to have the entire amount in your account at the time of transaction and bank will not block any amount on your card. Currently, EMI is available only on HDFC, SBI, Axis, ICICI, Federal and Kotak Mahindra debit cards.

What is instant EMI?

” Instant EMI ” refers to the conversion into EMI upon request by the Card Member, of transactions performed using the retail Credit Card on EDC (Electronic Data Capture) terminal installed at a merchant outlet and/or for such online transactions, where the option for EMI payment is available.

How do I know if my credit card is unbilled HSBC?

Check HSBC Credit Card Balance Through Mobile App

  1. Click and open the HSBC Mobile Banking app in your mobile or tablet.
  2. Enter username and password.
  3. Click on ‘Balances’
  4. A list of all the accounts and cards will be displayed.
  5. Click on the credit card you wish to know the balance.
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How can I transfer my HDFC credit card balance to EMI?

How to do HDFC Credit Card Balance Transfer?

  1. Login to your HDFC NetBanking.
  2. Click on the tab “ Cards ”
  3. On the left side, under the “Transact” column, click on “ Balance Transfer on EMI ”
  4. On clicking that, you need to enter the details of your HDFC Credit Card and other bank’s credit card details.

How do I log into my HSBC credit card online?

You’ll have the option to register using your PAN card, email address or phone banking number and date of birth. Then set your 6-digit PIN and your Digital Secure Key will be activated. Need help?

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