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HDFC Bank SmartEMI
HDFC Bank SmartEMI

Convert all your Credit Card spends to SmartEMI in 1 click

Fees & Charges
Joining Fee FREE
Annual Fee FREE
Key Benefits
Shopping Fuel Rewards Cashback Travel
Official BankSathi Live API Framework
1
Mobile & PAN
2
OTP Verification
3
Profile Details
4
Lead Submission

Step 1: Check Eligibility & Begin

Enter your registered mobile number and PAN card details for instant verification.

+91
Must be 10 digits starting with 6, 7, 8, or 9
Standard PAN Format (e.g. ABCDE1234F)
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Data strictly encrypted
Product Details, Guidelines & Benefits

Official parameters, required documents, rules, and benefits retrieved from BankSathi API

Official API Information
Eligibility Criteria
  • ✔️ Available only for eligible HDFC Bank Credit Card holders.
  • ✔️ Minimum eligible transaction amount: ₹15,000 or above.
  • ✔️ The credit card should have no overdue payments.
  • ✔️ The cardholder should have a good credit history.
  • ✔️ There should be no past delays or defaults in credit card bill payments.
  • ✔️ The credit card should not have any ongoing loan or SmartEMI, as per the bank's eligibility criteria.
Documents Required
  • ✔️ No documents required
  • ✔️ HDFC credit card number + OTP verification
Watch training video
Tracking time
  • ✔️ Leads will be tracked within 7 working days of submission
  • ✔️ Receive your Payout every Friday for each successful lead converted till Sunday of every week.
How to get your commission
  • ✔️ Earnings can be transferred directly to your bank account.
Step by step process
  • Step 1: Share the HDFC Bank SmartEMI link with your customer.
  • Step 2: The customer clicks the link and enters the required basic details.
  • Step 3: Enter the registered mobile number and the last 4 digits of the HDFC Credit Card.
  • Step 4: Verify the mobile number using the OTP.
  • Step 5: Select the eligible credit card transaction.
  • Step 6: Choose the preferred EMI tenure.
  • Step 7: Review the EMI details and accept the terms & conditions.
  • Step 8: Submit the SmartEMI request.
  • Step 9: After successful verification, the transaction is converted into SmartEMI and the customer receives confirmation via SMS and email.
Rules to follow
  • ✔️ SmartEMI is available only for eligible HDFC Bank Credit Card holders.
  • ✔️ Once the SmartEMI request is successfully processed, it cannot be cancelled.
  • ✔️ The customer must apply for HDFC SmartEMI using your tracking/referral link.
  • ✔️ The customer's Aadhaar must be linked to their registered mobile number.
  • ✔️ The customer must complete the entire application journey in a single session for successful lead tracking and conversion.
  • ✔️ The application must be completed on the customer's own device. If multiple customers apply from the same device, no commission/payout will be paid.
  • ✔️ Promotion or misuse of the referral/tracking link, including sharing it through YouTube, Instagram, or other public platforms, is strictly prohibited and may lead to payout rejection.
1. Who is eligible for HDFC Bank SmartEMI?
  • Customers with an eligible HDFC Bank Credit Card, a good repayment history
2. What is the minimum transaction amount required?
  • The minimum eligible credit card transaction amount is ₹15,000.
3. How long does it take to convert a transaction into SmartEMI?
  • The conversion is usually processed instantly after successful verification and approval.