# Quick Answer: How To Convert Hdfc Credit Card Bill To Emi Online?

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## 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.

## What is the interest rate for HDFC Credit Card EMI?

The rate of interest for EMI on HDFC credit cards is 1.5% per month (9 months to 3 years).

## How can I pay all EMI in HDFC credit card?

Visit the loan officer at your nearest HDFC bank branch. Enquire the current balance in your 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 smart EMI on HDFC credit card?

Convert large purchases on your HDFC Bank credit card into SmartEMI and enjoy stress-free repayment. Enjoy attractive interest rates, among the lowest in the market. Get credit into your HDFC Bank account in seconds and repay conveniently over 9 to 36 months.

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## Can I buy gold on EMI HDFC credit card?

Although, a Credit Card purchase of gold or any jewellery is not entitled to EMIs. Additionally, transactions that crossed 60 days or more, can ‘t be taken into consideration. How to convert HDFC Bank Credit Card bill to EMI? To apply for the scheme, first, check the eligibility of your Credit Card.

## 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.

## Will my EMI be deducted?

So unless you have specific approval from your bank, your EMIs will still be deducted from your bank account. The RBI has stated in its guidelines that lending institutions should frame board-approved policies for providing reliefs on loans and credit card dues to all eligible borrowers.

## 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.

## Can I convert my credit card bill into EMI?

You can either log in two your online account and under the credit cards’ section choose an EMI option, or you could visit the nearest branch of the bank and make a request for converting your credit card bill into EMIs.

## Can I convert my credit card outstanding into EMI?

If this facility is not availed, you cannot convert the entire outstanding dues into an EMI payment at a later date. One way to convert an outstanding credit card due into an EMI payment is to take a low cost personal loan and payback all the credit card dues. This way also you can save high interest costs.

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## Can I pay EMI before due date?

Yes, you can pre – pay the loan amount at any time in full or part without any additional charges. Please ensure EMIs are paid on time and pay only additional payment above EMI if your ECS mandate is active when you are paying close to the due date.

## Can we foreclose credit card EMI HDFC?

Pre-closure charges HDFC allows cardmembers to pre-close the loan and save on interest charges before the actual end of the loan term. There will be a prepayment penalty applicable for closures which happen before the term end date. It is billed at the rate of 3% of the outstanding balance amount in the EMI account.

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