FAQ: How To Convert Hdfc Credit Card Outstanding Amount To Monthly Emi?


How can I change my HDFC credit card payment to EMI?

Post Purchase EMI Conversion (Smart EMI )

  1. Login to HDFC Net-banking account.
  2. Click on Cards.
  3. Go to ‘Transact’ and select ‘SmartEMI’
  4. Select the Card and go to unbilled transactions.
  5. Choose Debit for Transaction Type and Click on View.
  6. Check the box against the purchase that you want to convert into EMI.
  7. Click on confirm.

How do I convert my monthly outstanding to EMI?

In case you want to convert your outstanding into EMIs, you can do so by logging on to your account through net banking and opting for smart EMI options for credit cards. Alternately, you can visit the nearest branch and ask your bank executive to help convert you’re outstanding into EMIs.

How do I cancel my HDFC credit card outstanding balance?

How to Cancel or Close an HDFC Credit Card?

  1. By calling Helpline Number: HDFC Bank credit card holders can cancel their credit cards any time by calling the toll-free number 61606161/6160616.
  2. Carholders can download the Credit Card Closure Form from www.hdfcbank.com and fill it up.
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How can I settle my HDFC credit card outstanding?

Even If you don’t have an HDFC Bank account, you don’t have to worry when it comes to paying your HDFC Bank Credit Card bill. You can settle it via the NetBanking facility of your current bank account, NEFT, or any other payment options offered.

Can I pay all EMI at once HDFC credit card?

Can I Pay All The EMI at Once at HDFC? Whether you have taken a personal loan, home loan, car loan, or any other loan product from HDFC, the bank allows you to repay the remaining EMIs at one go. Repaying all EMIs at once is known as pre-closing the loan account.

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 EMI amount calculated?

The mathematical formula to calculate EMI is: EMI = P × r × (1 + r)n/((1 + r)n – 1) where P= Loan amount, r= interest rate, n=tenure in number of months.

Can we convert to EMI after bill generation?

To convert your billed amount into EMIs, follow the PhoneBanking process. You can convert billed Credit Card amount to EMI with HDFC Bank through PhoneBanking.

Can I convert my credit card bill into EMI?

To convert your bill into EMIs you need to log on to your net banking account and opt for the available option(s). Paying a credit card bill via equated monthly instalments (EMIs) essentially means converting the credit card dues into a loan and paying it via EMIs.

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How can I close my HDFC credit card permanently?

Call the customer care of HDFC at their toll-free number 1800-425-4332 and request for cancellation of the card. Download the Credit Card closure form from the official website of HDFC, i.e., www. hdfc.com, fill it and send it to the Manager, HDFC Bank Credit Cards, PO Box 8654, Thiruvanmiyur Chennai – 600041.

How can I clear my HDFC credit card loan?

After obliging with all the repayments, you can call up the customer support of HDFC Bank to request for a NOC (No Objection Certificate). You can also pre- close the loan before completing the actual tenure. However, you may be charged a penalty fee for pre-closure.

Can we use HDFC credit card after settlement?

The New Delhi District Consumer Disputes Redressal Forum said once the bank had received the amount as settled between it and the customer, it cannot revive the original outstanding.

How do you transfer credit card outstanding?

Find a credit card that offers you a lower rate of interest. Check that the credit limit is sufficient given your outstanding debt. Assess the balance transfer fees and decide whether the swap is worth it. Make a credit card application with your new issuer.

What is HDFC credit card settlement process?

As per the order from the National Consumer Disputed Redressal Commission (NCDRC), New Delhi, in a case when the credit card holder of HDFC Bank fails to make the repayment then may without informing the customer may settle the dues by withdrawing from the credit card holder’s savings bank account with the bank.

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