Convert HDFC Bank credit card payment into EMI

If you want to convert your HDFC Bank credit card bill to EMI then you need to be eligible for Smart EMI.


If you want to check your credit card eligibility for HDFC Bank Smart EMI through HDFC net banking then follow the steps given below.

Visit Official Webiste

First of all go to the official website of HDFC Bank. Click on the login button from the homepage and in the new page click on the option of continue to net banking.


Net banking login page will open. Login using login credentials. The account details will be generated. Click on Cards option from the navigation menu.

Smart EMI

Click on the Transact button on the left. All menus will open. Smart EMI option will appear. Click on Smart EMI option. View Unbilled Transactions will open again.

Select Credit Card

Select your credit card from the dropdown list. In Transaction Type, select Debit from the dropdown list. Click on the button of View.

Transaction List

The option of Click to know credit card eligibility for Smart EMI will appear along with the list of your credit card transactions.

Transaction Details

Select click to convert any particular transaction into EMI. The details like card number, maximum spend, limit interest rate, loan amount etc. will open on the screen.

Choose Tenure

Choose the appropriate tenure for your repayment. The interest rate is decided on the basis of your eligibility. The interest rate will be displayed when you select your desired tenure.

Term & Condition

Click on the submit button to confirm the terms and conditions. The final overview of the loan details will appear on the screen.

Loan Reference Number

Acknowledgment slip and loan reference number will be sent to your mobile via SMS as soon as you confirm the transaction.

Credit Card EMI Approval

This way your loan will be approved and you will be able to convert HDFC Bank credit card bill into EMI online.