Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
  • ICICI Credit Card EMI

    ICICI bank offers its existing credit card users two different options to convert their credit card payment into EMIs - EMI on Call and Instant EMI.

    While EMI on call is applicable post purchase, Instant EMI is applicable only on selected purchases. In both the cases, the minimum purchase amount should be more than Rs.3,000.

    Availing ICICI’s ‘EMI on Call’ facility

    ICICI credit card users have three different ways to raise a request for converting their credit card bill into EMIs

    • Call Customer Care: Visit ICICI’s customer care numbers page https://www.icicibank.com/customer-care.page? to find your city/state specific helpline number. Have your credit card handy while calling as you may be asked for the card details. You can clear all your doubts as well as apply for the conversion through the same call.
    • By sending an SMS: If your attempts to approach the customer care fail, send an SMS ‘EMI’ to 5676766. You’re likely to receive a call on the registered mobile number. Once you receive the call, you can raise a request to convert credit card transaction into EMI.
    • Internet banking: Using ICICI net banking makes your job even easier. If you have an existing net banking account, login with your credentials. Click 'Convert to EMI' option listed under Credit Cards section.

    Select the transaction you wish to convert into EMI, tenure, which is typically between 3-12 months and click Convert into easy EMIs.

    Once you’ve raised the request using any of the above mentioned methods, you will receive an acknowledgement as well as a confirmation message from the bank. Your request will be processed in a few days or immediately based on your eligibility.

    Things to Note while Applying for ICICI’s ‘EMI on Call’ facility

    • The EMI on Call facility is available only on ICICI bank retail credit cards
    • You can apply for EMI on Call facility within 30 days from the date of purchase only
    • ICICI reserves the right to approve or reject the conversion request
    • The bank will take two working days to convert your credit card bill into EMIs once the request is raised
    • Certain transactions involving purchase of fuel, gold, jewellery, cash withdrawals are not eligible for EMI conversion
    • The interest rate and the processing fee will be same as mentioned to the card member at the time of availing the scheme
    • Interest calculation will begin from the time the request for EMI conversion has been made
    • Prepayment of EMI or pre-closing the facility is possible at any point of time by contacting ICICI bank's customer care. A foreclosure fee will be charged as applicable
    • Customers has the provision to cancel the EMI conversion within 15 days of availing the facility. Upon successful cancellation, the original transaction amount will be debited back to the account and all the levied charges for conversion will be reversed.

    Availing ICICI’s ‘Instant EMI’ facility

    Instant EMI is another option offered by ICICI bank applicable for the credit card transactions conducted using retail credit card on Electronic Data Capture (EDC) terminal available at the point of sale and also for online transactions eligible for EMI payment option.

    ICICI has partnered with more than 250 retail brands to offer best EMI deals to its credit card customers. The deals will be displayed for the eligible products available for sale on various ecommerce platforms or will be explained by the retail seller if the product is eligible for Instant EMI conversion.

    Once the customer performs the transaction and when his/her card has the requested balance, the transaction will be approved. The purchase will be automatically converted into EMI scheme.

    Customers can choose a tenure of 3, 6, 9, 12, 18 or 24 months. The bank is currently charging zero processing fee for converting credit card purchases into EMIs.

    The Instant EMI option is not available for some of the ICICI credit cards such as EMI Card, Business Card, American Express Card and Corporate Card.

    Both pre-closure and cancellation facilities are available for Instant EMI option with almost similar terms and conditions as EMI on Call.

    ICICI Credit Card EMI Calculator

    Before opting for EMI conversion option you can calculate your monthly installment on your own by using ICICI EMI calculator option. The calculator is available for both Instant EMI and EMI on Call options. To use the calculator, follow the steps below.

    Visit the ICICI EMI calculator page.

    https://www.icicibank.com/calculators/credit-card-emi-calculator.html and enter the details as required.

    You have to enter the amount you want to convert into EMI in the transaction amount column, select the tenure, and enter the rate of interest.

    As soon as you enter the details you will find a table towards your right with EMI amount, principal and interest you are paying, and balance amount. You will also find total interest payable and the total amount payable for the selected tenure and interest.

    Alternatively, you can also use the below table for reference. It shows the EMI (calculated at interest rate of 13% per annum) you need to pay based on your loan amount and tenure.

    Loan Amount (Rs.) 10,000 20,000 30,000 40,000 50,000
    3 months 3,406 6,812 10,218 13,624 17,030
    6 months 1,731 3,461 5,192 6,922 8,653
    9 months 1,173 2,345 3,517 4,689 5,861
    12 months 894 1,787 2,680 3,573 4,466

    The rate of interest considered to calculate the EMIs is 13%.

    Also Know About Other Bank Credit Card EMI

      

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    ICICI Credit Card EMI Reviews

    • ICICI Bank Credit Card
      "Need to increase the Credit Limit"
      0.5 5.0/5 "Blown Away!"
      I am using ICICI credit card for 3 and half years, its a good one to use, but while applying they provided credit limit as 15 thousands post that they increase to 25 only, i would like to suggest to provide more credit limit, mean while the customer service was good.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 24, 2019
    • ICICI Bank Credit Card
      "Overall good"
      0.5 4.0/5 "Great!"
      I bank with ICICI Bank for a credit card. The customer services and response is good and there are good offers as well. Just that the credit limit is less. Else there are no hassles while using the card. The transactions are smooth and easy and no issues.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 24, 2019
    • ICICI Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I hold ICICI bank credit card for long time, They have given me good offers in airport lounge, shopping movie tickets etc, They have not charged me annual fee in this card , it is life time free credit card,They have given me good credit limit. Their overall service is good.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 24, 2019
    • ICICI Bank Credit Card
      "Satisfied with the card"
      0.5 5.0/5 "Blown Away!"
      I bank with ICICI Bank for the credit card and there are good deals on the card. The customer services and response is good and there are no issues with the bank. There is a good credit limit as well. It has been a hassle free experience overall for me.
      Was this review helpful? 0
      , pune
      Reviewed on Apr 24, 2019
    • ICICI Bank Credit Card
      "Its Good"
      0.5 5.0/5 "Blown Away!"
      Eight months I have been ICICI credit card, its has life time free benefits and they upgraded the card features but the drawback is the limit they gave me only Rs. 30,000. The charges are very nominal, I am not getting any cash back based on the spend.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 24, 2019
    • ICICI Bank Credit Card
      "Excellent card"
      0.5 5.0/5 "Blown Away!"
      I have a CORAL credit card with ICICI BANK and its almost 15 years. Its is easy to access and am happy with the benefits. There is no annual fee for my credit card. The credit limit is very high. It has option for flexi pay but never tried it. I use this card for multi purpose.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 24, 2019
    • ICICI Bank Credit Card
      "Good "
      0.5 4.0/5 "Great!"
      I have taken the ICICI Bank credit card just for the sake of getting it. It has a annual fee of 200 only. But the expenditure to waive off that 200 is 50K, which is too much. I do not use it much. When ever I used it, there were no hassles. In all no hassles.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 24, 2019
    • ICICI Bank Credit Card
      "Lesser credit limit"
      0.5 3.0/5 "Satisfactory"
      In ICICI, I make my 75 % of the card bill to them . I maintain good track record with ICICI service . But they also never bothered to increase my credit limit . I requested them for two or three times but those customer care people have never responded for my request .
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 24, 2019
    • ICICI Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I am using icici Bank credit card last 2 years . Service provided by icici Bank is good and their response is good . This is life time free card i used for multipurpose .After approval card i got after 3 days I satisfied with credit limit 50k and cash back and rewards point offer in this card .
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 24, 2019
    • ICICI Bank Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      I am using the ICICI Bank Credit Card from the year of 2015 and the services with them has been good. There is some good benefits in using this card like cash back offers and i am using the card for all sort of purposes. There are no annual charges with this card and i am satisfied with the credit limit which is offered on this credit card.
      Was this review helpful? 0
      , chennai
      Reviewed on Apr 24, 2019
    • ICICI Bank Credit Card
      "Good card for the reward points"
      0.5 4.5/5 "Excellent!"
      More than 2.5 years I have been using more ICICI credit card, the service is very transparent. They gave me Rs. 1.5 lakh of imit its satisfactory, I am holding life time free credit card, I used to track the credit card information through netbanking. But one time they charged me over limit fee then I raised request but they didn't consider it.
      Was this review helpful? 0
      , mumbai
      Reviewed on Apr 24, 2019
    • ICICI Bank Credit Card
      "No hassles"
      0.5 5.0/5 "Blown Away!"
      ICICI Bank is good in the credit card features. I been using the card and there are no hassles whilst using the card. The credit limit is fine. The customer support and response is good and there are good benefits on the card and the billing is good too.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 24, 2019
    • ICICI Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I took ICICI bank credit card from long time, They have not been charging annual fee as it is life time free credit card, They have given me good offers in bookmyshow.com, They have given me good credit limit as i have expected, their overall service is good so far.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 24, 2019
    • ICICI Bank Credit Card
      "Very good"
      0.5 4.0/5 "Great!"
      Service provided by icici Bank is good and their response is good .I am using icici Bank credit card last one and half years This is chargeable 500 rupees , i used for multipurpose .After approval card i got after 3 days I satisfied with limit 66k and cash back and rewards point offer in this card .
      Was this review helpful? 0
      , new delhi
      Reviewed on Apr 24, 2019
    • ICICI Bank Credit Card
      "Its Good"
      0.5 5.0/5 "Blown Away!"
      Long back I got the ICICI coral credit card , that card for the international purpose and also it good for foreign transaction but I didn't use it for long time. Hence the bank called me and gave me another card its good for the online and offline shopping.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Apr 24, 2019
    • ICICI Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      It has almost been ten years since i am using the ICICI BANK CREDIT CARD, the services with them has been good. It is a life time free card and i am happy with the credit limit with this card. There is some added benefits with this card like reward points and also cash back offers. I am using the card for on-line as well as off-line purchases.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 24, 2019
    • ICICI Bank Credit Card
      "Very good"
      0.5 4.0/5 "Great!"
      This is life time free card no need any annual charges and in this card cash back offer but not much sometime got cash back last five month above I have ICICI bank credit card and I am satisfied with credit limit 45K and their customer service is good and response is also good , I am happy with this credit card,
      Was this review helpful? 1
      , hyderabad
      Reviewed on Apr 23, 2019
    • ICICI Bank Credit Card
      "Very Good Service"
      0.5 4.0/5 "Great!"
      It has been six years since i am using the ICICI BANK CREIDT CARD, the services of them has been good where there has been some very good offers they are providing as well. I am happy with the credit limit with this card and i am using the card for all sort of purposes like shopping. There is a good cash back offer which i am getting through this card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 23, 2019
    • ICICI Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      I bought ICICI BANK Credit card . There is no joining fee at the time of getting he card . The rate at which they provide rewards is also very good.They do run cash back offers on Amazon and Flipkart. Overall it is a useful card to have. I use this card for multipurpose .
      Was this review helpful? 0
      , bangalore
      Reviewed on Apr 23, 2019
    • ICICI Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I've been using the ICICI BANK credit card for a while.They don't have any commendable offers and promotions. The interest rates seems to be Reasonable. They are ready to increase my credit limit but i am happy with what i have and they gave me 44000 of credit limit .
      Was this review helpful? 0
      , hyderabad
      Reviewed on Apr 23, 2019
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