Debit Card EMI

[SarthakModak]

Can anyone tell me how can I be eligible for Debit Card EMI facility? I have HDFC Bank Millennia DC. If anyone has Debit Card EMI facility on their debit card tell me what kind of transactions you did to get this facility and how old my account needs to be?

 

[SarthakModak]

On Amazon, my HDFC Millennia DC shows for some, but not all products for DC EMI.

Might be that is because of your limit.What is your limit?

 

[akshayhs]

Can anyone tell me how can I be eligible for Debit Card EMI facility? I have HDFC Bank Millennia DC. If anyone has Debit Card EMI facility on their debit card tell me what kind of transactions you did to get this facility and how old my account needs to be?

For me I was able to see EMI options after my CIBIL score was successfully generated through HDFC. Till then, it always said, you're ineligible.

 

[SarthakModak]

How old are you people's HDFC Bank account? Mine is ~9 months old still no offer

 

[akshayhs]

How old are you people's HDFC Bank account? Mine is ~9 months old still no offer

Mine is 11 months. What offer are you waiting for?

 

[Akashgod]

Debit emi or netbanking emi is very easy to get on account opening. I got in 2nd month itself.. slowly the limit gets enhanced as u maintain higher balance

 

[Akashgod]

No no some get a poor limit of 9k also.. 🤣 that I have seen

 

[SarthakModak]

Mine is 11 months. What offer are you waiting for?

Debit Card EMI facility

 

[SarthakModak]

@SarthakModak did you check like this?
What's it showing?

 

[SarthakModak]

Ah, that's sad 😅
I used to think that there was something for everyone.

My account is Regular Savings Account ain't any higher variant account perhaps that might be the reason.

 

[Batmanbaba]

The offers on your account will start in a pattern.....

First you will see offers of pre approved bike loan
Then you will see option of pre approved flexi pay

Then... You will see option of debit card emi

Then at last you will see option of pre-approved credit card


Time limit can vary with acc3age and usage pattern.... Use more of Netbanking and debit card for transactions for quick process of above options...



This is based on my observation....

 

[SarthakModak]

The offers on your account will start in a pattern.....

First you will see offers of pre approved bike loan
Then you will see option of pre approved flexi pay

Then... You will see option of debit card emi

Then at last you will see option of pre-approved credit card


Time limit can vary with acc3age and usage pattern.... Use more of Netbanking and debit card for transactions for quick process of above options...



This is based on my observation....

Can you tell me the time period b/w getting pre-approved bike loan and pre-approved credit card because I get lot of notifications of bike loan from HDFC Bank's app?

 

[Batmanbaba]

The offers on your account will start in a pattern.....

First you will see offers of pre approved bike loan
Then you will see option of pre approved flexi pay

Then... You will see option of debit card emi

Then at last you will see option of pre-approved credit card


Time limit can vary with acc3age and usage pattern.... Use more of Netbanking and debit card for transactions for quick process of above options...

Can you tell me the time period b/w getting pre-approved bike loan and pre-approved credit card because I get lot of notifications of bike loan from HDFC Bank's app?

I am currently on 2nd tier.... I received... Bike loan in 3 months of account opening..... Now in 5 months I am getting pre approved flexi pay



I do around 50k transactions per month from my account using debit card and netbanking....

It can vary user to user

 

[akshayhs]

The offers on your account will start in a pattern.....

First you will see offers of pre approved bike loan
Then you will see option of pre approved flexi pay

Then... You will see option of debit card emi

Then at last you will see option of pre-approved credit card


Time limit can vary with acc3age and usage pattern.... Use more of Netbanking and debit card for transactions for quick process of above options...



This is based on my observation....

I can confirm this is true.

My account is 11 months old.

For me the pattern was like this:

1. Debit card EMI (6 months back)
2. Pre-approved bike loan (happening now).
Not sure what's next...

 

[Akashgod]

Can anyone tell me how can I be eligible for Debit Card EMI facility? I have HDFC Bank Millennia DC. If anyone has Debit Card EMI facility on their debit card tell me what kind of transactions you did to get this facility and how old my account needs to be?

Bro what's ur cibil score? Also any delayed payments .. for debit emi, no necessary use of debit card monthly is required as generally ppl say it and with almost nil transactions u get. But need to maintain above 50k balance

 

[Batmanbaba]

Even I believe it's something related to average balance or something.

But its more related to transaction.... Only parking money wont help... As debit card emi as well as credit cards are related to spends...

 

[Akashgod]

But its more related to transaction.... Only parking money wont help... As debit card emi as well as credit cards are related to spends...

No I have my mom's account with monthly 1 transactions and have 2.8 lakh debit emi since beginning of account opening no change of offer

 

[Batmanbaba]

No I have my mom's account with monthly 1 transactions and have 2.8 lakh debit emi since beginning of account opening no change of offer

Yes.... But the policies are quite random.. Its luck... Some people have large money and large transactions still they dont hget... Some people get credit cards while leaving the account idle... No deposit... No transaction...

 

[kochiro]

I got 11k limit on 20-25k balance. I bought a phone which probably made me eligible for cc

 

[Alex292929]

debit card emi is shown as personal loan in cibil?