Convert the HDFC credit card bills into EMI online for easy operations. Converting their dues to EMI means converting it into a loan. You will be expected to pay interest on your outstanding loan. SmartEMI facility permits you to convert HDFC credit card bills to EMI.

Nevertheless, you opt for SmartEMI, your credit limit gets blocked. Here are easy steps you need to know to convert your HDFC credit card bills to EMI. Credit Card shopping of gold or any jewelry is not entitled to EMIs. 

Convert the HDFC Credit Card bill to EMI:

To enjoy the benefit and apply for the scheme, check the eligibility of your credit card. The qualifying criteria check can be done using either NetBanking or Phone Banking.

Here is the step by step guide via HDFC Bank NetBanking:

1) Firstly, Log in to your HDFC Bank NetBanking account. Click the Cards tab

2) Then under your Credit Card, select the Transact, then the SmartEMI option

3) An unbilled transactions page will appear. 

4) Select Debit as your transaction type. 

5) An index of your Credit Card transactions labeled for SmartEMI will appear, with an option of 'click' to know your eligibility.

6) Select the 'click' option to convert a particular transaction.

7) Confirm the terms and conditions by selecting submit. Have a final overview of loan details will be displayed.

8) On confirming the transaction, a response message and reference loan number are sent via SMS.

Your loan then will be processed and approved. You have successfully managed to convert the HDFC Credit Card bill into EMI online.

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