How to Convert HDFC Credit Card Payments to EMI: A Comprehensive Guide

How to Convert HDFC Credit Card Payments to EMI:

In today’s fast-paced world, managing finances effectively is crucial. Many financial institutions, including HDFC Bank, offer a convenient solution for handling significant expenses – converting credit card purchases into Equated Monthly Installments (EMIs). This feature allows individuals to transform substantial transactions into manageable monthly payments, aiding in better financial planning without overwhelming one’s budget.

Advantages of Converting Credit Card Payments into EMIs:

  1. Financial Flexibility: Handle emergencies by breaking down large expenses into smaller, easily payable amounts.
  2. Online Convenience: Credit card EMIs can be fixed online without the hassle of extensive documentation or high-interest personal loans.
  3. No Additional Documentation: Avail credit card EMI facilities on eligible purchases without the need for extra paperwork.
  4. Preserve Cash Reserve: Maintain a cash reserve by spreading out payments over several months, preserving savings for other needs.
  5. Cost Savings: Take advantage of no-cost EMIs, especially during festive seasons, saving substantial amounts on HDFC credit cards.

How to Convert Credit Card Payments to EMI in HDFC:

1. HDFC Smart EMI Facility:

  • Breakdown significant purchases into smaller chunks over 6 to 24 months.
  • Available for various products, excluding gold and jewelry transactions.
  • Processing fee applies for converting outstanding credit card balances into EMI.

2. Availing HDFC Credit Card Smart EMI Facility:

a) Online via Net Banking:

  • Log in to HDFC net banking, select ‘Cards,’ then go to ‘Smart EMI.’
  • Choose the credit card number, view eligible transactions, select, and confirm.
  • Select tenure and interest rate; review EMI amount.
  • Click ‘Continue’ to complete the process.

b) Phone Banking:

3. HDFC Credit Card EMI Calculator:

4. HDFC Credit Card Loan Protection Cover:

  • HDFC offers loan protection cover against unforeseen accidental death, ensuring security for the loan amount.


Converting HDFC credit card payments to EMIs through the Smart EMI facility provides financial flexibility and convenience. By following the simple steps outlined above, individuals can manage significant expenses effectively, ensuring financial stability and peace of mind. Remember to fulfill EMIs promptly to avoid penalties and maintain a healthy credit score for future financial endeavors.

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