How to convert a HDFC Bank credit card purchase to EMI?
Suriya Saran
Asked 9 Apr 2026
I just made a big purchase on my HDFC Bank credit card. What is the exact process to convert it into EMI? Are there any processing fees?
2 Answers
The 'minimum due' trap is real. Banks love it because they charge ~36-42% interest on the carried-forward amount. If you can't pay the full bill this month, pay at least 50% — anything below that and the interest eats the rewards of the next 6 months.
On the annual fee — most premium cards waive it if you spend ₹1.5L to ₹3L in the previous year. Wallet loads (Paytm, Amazon Pay balance) usually DON'T count. But utilities, fuel, and grocery do. Spend pattern matters more than absolute number.
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