[2022] How to convert credit card payment to EMI in HDFC

How to convert credit card payment to EMI in HDFC
How to convert credit card payment to EMI in HDFC

If you are worried about the large outstanding bill of your HDFC credit card, then here is the good news for you. You can easily convert your credit card’s outstanding bill to EMI. In this blog, you will get to know “How to convert credit card payment to EMI in HDFC”, its features, fees and charges, eligibility criteria, and documents required.

If you are a frequent credit card user, you must have been attracted to cash back offers from the e-commerce site. It sometimes makes you overspend your credit in a month. Not only shopping, but you may also overspend your credit for emergency purposes like hospital, education. So knowingly or unknowingly you might overspend your credit which results back as a large outstanding bill.

But there is nothing to worry about. HDFC offers a SmartEMI option to convert credit card payments to EMI in HDFC. This will decrease the burden of repaying once and late penalty charges. Before knowing how to do that look at the SmartEMI platform.

What is SmartEMI ?

SmartEMI is really a smart platform as its name implies. You can convert your large bill into small EMIs with SmartEMI. To be eligible for SmartEMI you should qualify its eligibility. Another important point to be mentioned here that, when you opt for SmartEMI, your credit limit gets blocked.

Eligibility for SmartEMI

The outstanding bill of HDFC credit card is generated for your various purchases of previous month. But all the purchases are not eligible for SmartEMI.

If there is any transactions linked with purchasing gold and jewelry, then that amount of bill will not be eligible for converting EMIs by SmartEMI.

However, if you have used your HDFC credit card for Insurance, Groceries, Medical, Petrol, Utility, Apparel, Education, Electronics, Travel, or etc then you can opt for SmartEMI for converting your credit card payment to EMI in HDFC. Now come to our main concern how to do it.

How to convert credit card payment to EMI in HDFC

You can opt SmartEMI both by NetBanking or PhoneBanking to convert credit card payment to EMI in HDFC.

NetBanking Method

Step 1: Login HDFC credit card net banking with correct Login ID and Password.

Step 2: Click on “Cards”. Under the card section, you will be able to see “SmartEMI” option.

Step 3: Click on SmartEMI. If you have more than one credit card then select your desired credit card.

Step 4: Your unbilled amount section will appear. Tick on the due bills which are eligible for SmartEMI. Then click on “Confirm“.

Step 5: Select your tenure. The interest rate varies with tenure. Select your EMI tenure accordingly. Then click on “Continue“.

Your HDFC credit card bill will be converted to EMI instantly. An acknowledgment message will also be sent to your registered mobile number confirming your transaction.

PhoneBanking Method

Open your App for Phonebanking. The process of converting HDFC bills into EMI by Phonebanking is exactly the same as the Netbanking method.

Besides these two methods, you can also dail customer care. Talk to custome care executive and give the details about the bills, which you want to convert into EMIs and EMI tenure. After your confirmation, he/she will do it on behalf of you. Check HDFC customer care number here.


HDFC SmartEMI is a pre-approved loan, for which you have to pay interestrate. But if you are running out of budget, you should opt SmartEMI to convert your credit card bill to EMI. This method is best suited for salaried persons.

Also Read : HDFC home Loan


What is customer care number for HDFC credit card.

If you want to speak with customer care of HDFC for credit card related issue, there are different numbers are available for different cities. Check the number for your city. Click here.

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