hdfc easy emi credit card issue

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kannu.rider304

Yesterday I did a transaction of ₹10000 on smartbuy and recieved this message today. Is there any way to cancel this auto emi conversion to avoid charges. https://cdn0.desidime.com/attachments/photos/765700/medium/-l2ml2g.jpg?1651897872

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Deal Cadet Deal Cadet
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Call the bank and they should be able to cancel the EMI. But I’m not sure if there is a way to disable this Auto conversion for future txns

Royal Challengers Bangalore Royal Challengers Bangalore
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You can write a mail and they will cancel the EMI.

Tbh the card is trash, I’ve had it before thinking I’ve never go over 10k and turns out I did go over 10k quite a lot.

Deal Newbie Deal Newbie
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Yeah… its the worst credit card from HDFC… converting all txns above 10k into EMI. I closed it and got Millennia.

Critic Critic
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MrMonkey wrote:

Call the bank and they should be able to cancel the EMI. But I’m not sure if there is a way to disable this Auto conversion for future txns

You can’t disable auto-conversion to emi on this card for txns above 10k & that is why it is probably the worst debit card to take in India. Also smartbuy now effectively gives just around 2% on amazon gv purchase(2.5% commission+gst) so not much point in buying amazon gv via smartbuy gyftr now.

Deal Cadet Deal Cadet
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RaviMehta15 wrote:

Yeah… its the worst credit card from HDFC… converting all txns above 10k into EMI. I closed it and got Millennia.

Do we have to again apply for new card or can ask customer care directly for another card? 

Deal Newbie Deal Newbie
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ClassicGamer wrote:

Do we have to again apply for new card or can ask customer care directly for another card? 

No, you can ask for upgrade…

Deal Cadet Deal Cadet
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guest_999 wrote:

You can’t disable auto-conversion to emi on this card for txns above 10k & that is why it is probably the worst debit card to take in India. Also smartbuy now effectively gives just around 2% on amazon gv purchase(2.5% commission+gst) so not much point in buying amazon gv via smartbuy gyftr now.

Exactly (Unless you hold super premium card or card which gives more % valueback)

Deal Newbie Deal Newbie
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guest_999 wrote:

You can’t disable auto-conversion to emi on this card for txns above 10k & that is why it is probably the worst debit card to take in India. Also smartbuy now effectively gives just around 2% on amazon gv purchase(2.5% commission+gst) so not much point in buying amazon gv via smartbuy gyftr now.

Same reply I got from Twitter team

Deal Newbie Deal Newbie
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Have asked them to cancel emi after auto conversion

Deal Newbie Deal Newbie
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Actually I m carrying on this card as it gives 5% upto 750 on smartbuy + smartbuy Cashback

Deal Newbie Deal Newbie
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But this time by mistake I make a transaction of 10k for purchasing fk gvs.
It is good card as it gives 10% for smartbuy voucher purchase upto 1k as smartbuy have limit of 10k for fk gvs. Previously I used to purchase Amazon gvs but smartbuy sucks now sob sob sob.

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popopotato wrote:

You can write a mail and they will cancel the EMI.

Tbh the card is trash, I’ve had it before thinking I’ve never go over 10k and turns out I did go over 10k quite a lot.

What charges I need to pay for cancellation??

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