Hello friends, So, you’ve got an HDFC debit card EMI loan, and you want to know How to check HDFC debit card EMI loan details, right? Well, you’ve come to the right place! knowing how to check HDFC debit card EMI loan details might sound like a bit of a task, but don’t worry, it’s actually quite easy.
In this article, I’m going to walk you through the step-by-step procedure on how to check HDFC debit card EMI loan details. We’ll cover everything from how to access your loan details online to what to do if you need some help from HDFC’s customer care or even if you prefer a good old-fashioned visit to the branch.
By the end of this article on how to check HDFC debit card EMI loan details, you’ll be a pro at keeping tabs on your loan and understanding all the important stuff. Let’s get started!
Contents
Step-by-step procedure on how to check HDFC debit card EMI loan details, via different methods
Method 1: how to check HDFC debit card EMI loan details via email
Step 1: Log Into Your Email
First, open your email on your phone. Make sure you’ve entered the correct email address and password.
Step 2: Search for HDFC Bank
In the search box, type “HDFC bank” and hit enter. This will show you all the emails you’ve received from HDFC Bank related to how to check HDFC debit card EMI loan details.
Step 3: Look for the Right Email
Most of the emails will mention “HDFC bank credit cards,” but don’t worry, this is what you need to check your debit card EMI statement as part of how to check HDFC debit card EMI loan details too.
Step 4: Check the Email Subject
Click on one of the emails. Inside, you’ll see a subject like “your HDFC bank debit card loan statement for the month of Jan 2022”, which is crucial for understanding how to check HDFC debit card EMI loan details.
Step 5: Download the PDF
Inside that email, there’s a PDF attachment containing your EMI statement as part of how to check HDFC debit card EMI loan details. Click to download it.
Step 6: Enter the Password
The PDF may be password-protected. To open it and access your EMI details in the process of how to check HDFC debit card EMI loan details, use either the first four letters of your name or the last four digits of your date of birth as the password.
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Method 2: How to check HDFC debit card EMI loan details via phone call
So, if you ever want to know how to check your HDFC debit card EMI details online and you’re not sure how to do it, there’s an easy solution. HDFC Bank has a customer care number, which is 18002026161.
You can give them a call, and they’ll be super helpful in guiding you on how to check your HDFC debit card EMI details. It’s a convenient way to get the information you need.
So, don’t hesitate to use this number if you have any questions about how to check HDFC debit card EMI loan details. They are there to help you, always.
Feature of HDFC debit card
Spending Within Your Means: When you use an HDFC debit card, you’re spending money that’s already in your bank account. So, you won’t end up in debt trouble. It’s like spending what you have.
Cashback and Reward Points: Just like HDFC credit cards, HDFC Bank’s debit cards also offer cool perks like cashback and reward points. So, when you spend, you actually save. Plus, you get special rewards when you shop at partnered brands. This is great if you’re wondering about how to check HDFC debit card EMI loan details and want to make the most of your card.
Control and Customization: HDFC Bank gives you the power to manage your spending. You can tweak your card’s withdrawal and shopping limits using HDFC NetBanking. No need to visit the bank; you can do it all online.
Debit Card EMI: Need to buy something big? HDFC offers Debit Card EMI options for purchasing things like consumer durables. You can enjoy low-interest EMIs and sometimes even no-cost EMIs when shopping on top online stores. Isn’t it a better option, if you’re considering how to check HDFC debit card EMI loan details and planning a purchase?
Complimentary Perks: HDFC Bank’s debit cards come with extra goodies. These can include lounge access at airports, insurance benefits, and discounts for dining out, and entertainment perks. Keep in mind that the specific benefits can vary depending on which card you have.
What are the other charges on this Card?
Auto Debit Return Penal Interest:
- Penalty Rate: If there’s an auto-debit return, HDFC charges a penalty of 2% of the outstanding amount, along with 18% GST.
- Minimum Charge: However, this penalty won’t be less than Rs 450. So, it can be higher depending on your outstanding amount.
- Checking Charges: To understand these charges better, it’s a good idea to learn how to check your HDFC debit card EMI statement online. You’ll find all the details there.
Late Payment Fee:
- Late Payment Penalty: If you’re late or make a partial payment, HDFC charges a late payment fee of Rs 300 plus 18% GST, no matter how much your outstanding EMI is.
- Checking Charges: To keep track of these late payment charges, it’s essential to know how to check your HDFC debit card EMI statement online.
Pre-Closure Charges:
- Pre-Closure Fee: If you want to close your loan early, there’s a pre-closure charge of 3% of the principal balance outstanding, along with 18% GST.
- Checking Charges: To find out exactly how much you’ll need to pay for pre-closure, you should know how to check your HDFC debit card EMI statement online.
Rate of Interest:
- Interest Rate: The rate of interest (ROI) for debit card EMI is about 16%.
- Checking ROI: The best way to stay informed about the ROI is by regularly checking your HDFC debit card EMI statement online. You’ll receive details through the bank’s app and emails.
Conclusion
Friends, we hope that you found this article on how to check HDFC debit EMI loan details, of your help. FriendsIt might have seemed a bit overwhelming at first, but remember, managing your finances with HDFC is a breeze.
Knowing how to check HDFC debit card EMI loan details is crucial, and we’ve walked you through it step by step, whether it’s through your email or by giving HDFC’s helpful customer care a call.
However, do keep an eye on those charges, such as auto debit return penal interest, late payment fees, and pre-closure charges. Staying informed about these fees is just as important as knowing how to check your HDFC debit card EMI details.