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  • ICICI Credit Card EMI

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  • 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
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have ICICI Bank credit card which was taken through Bank directly .I am using this credit card for the past 2.5 years ,The credit limit was very less and there was no difficulties faced so far ,I have got the credit card on time without any hassle and this card is really good to use .
      Was this review helpful? 2
      , hyderabad
      Reviewed on Oct 17, 2019
    • ICICI Bank
      ICICI Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have ICICI Bank credit card which was taken through Bank directly.I am using this credit card for the past 4 years and got all the required information about the card process very clearly .This was a free card and and there was no difficulties faced so far on using this card .
      Was this review helpful? 1
      , bangalore
      Reviewed on Oct 17, 2019
    • ICICI Bank Credit Card
      "Everyone should have it"
      0.5 5.0/5 "Blown Away!"
      ICICI card is good because the service and offers provides to the customer. I know how to contact the customer care service and i use the card for almost 5 years. I get all kind of benefits like in a month i get Buy1+GEt1 movie tickets. They are charging a annual rental which i don't like and they don't offer in waive off option.
      Was this review helpful? 2
      , new delhi
      Reviewed on Oct 17, 2019
    • ICICI Bank Credit Card
      "Best Service"
      0.5 4.0/5 "Great!"
      I have ICICI Bank credit card which was taken through Bank directly.This was a chargeable card ,I am using this credit card for the past 1 year ,The credit limit was average and there are good cash back offers and reward points.I have got all the relevant information about the card process very clearly and i am comfortable with the service .
      Was this review helpful? 0
      , mumbai
      Reviewed on Oct 17, 2019
    • ICICI Bank Credit Card
      "Average Card"
      0.5 4.0/5 "Great!"
      ICICI is an average card to use. Movie ticket offer is there like buy1+get1 but i haven't availed the same other than this airport launch access facility is there. I have a ICICI credit card for 2 years. Whenever i do the transactions i get the OTP immediately.
      Was this review helpful? 1
      , bangalore
      Reviewed on Oct 17, 2019
    • ICICI Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I am holding ICICI BANK coral credit card for more than 3 years ago. It has applied directly to bank. It is a life time free credit card. There is an option for an EMI and charges are was okay. I use this card for movie ticket of one plus one free offer.
      Was this review helpful? 1
      , daman
      Reviewed on Oct 17, 2019
    • ICICI Bank Credit Card
      "Good Service"
      0.5 4.0/5 "Great!"
      I hold a ICICI Bank credit card which was taken through the Bank directly .This was a free card and the details about the credit card was clearly shared by the agent .The credit limit was pretty comfortable .I have got the credit card on time and so far no drawbacks faced. Lastly, I am also very much comfortable with the level of service offered by them.
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Oct 17, 2019
    • ICICI Bank Credit Card
      "Best"
      0.5 4.0/5 "Great!"
      I have ICICI Bank credit car d which was availed through Bank directly .This credit card is really useful and there was no difficulties faced so far .I am comfortable on using this credit card and this was a chargeable card .This was a platinum card and have really good cash back offers as well as reward points .
      Was this review helpful? 0
      , tirupur
      Reviewed on Oct 16, 2019
    • ICICI Bank Credit Card
      "Service is Good"
      0.5 4.0/5 "Great!"
      I am using ICICI Bank credit card which was directly taken through Bank.I am using this credit card for the past 2 years .The credit limit was good and it was upto 36,000,This was a free card .This card was a platinum card when received and later it was upgraded to coral card .
      Was this review helpful? 0
      , bellary
      Reviewed on Oct 16, 2019
    • ICICI Bank Credit Card
      "Need to improve customer service"
      0.5 3.0/5 "Satisfactory"
      It is very complicate to connect to customer service of ICICI bank. I have been using the Ferrari card for more than 1 year. It is a free card from 2nd year onwards. The credit limit is sufficient for 50 thousands. EMI option is applicable. I am using this card for purchasing purpose. Based on the usage I get reward points and cash back. There is no much benefits. For up gradation they detecting the amount of 2500 rupees.
      Was this review helpful? 1
      , tiruchirapalli
      Reviewed on Oct 15, 2019
    • ICICI Bank Credit Card
      "Really good for transactions"
      0.5 4.0/5 "Great!"
      ICICI Credit card service is really good. They have offered me a credit limit of Rs. 56K and they have not increased my credit limit so far even though i use the credit card for past 2 years. I get the offers like cashbacks and discounts. They are sending the offer messages on a regular basis.
      Was this review helpful? 0
      , vellore
      Reviewed on Oct 15, 2019
    • ICICI Bank Credit Card
      "Good card"
      0.5 4.0/5 "Great!"
      The credit card limit is low in ICICI BANK and its only 20K which have been using it for past 6months. I am using the card for Amazon online purchase because they are providing 10% discounts. The annual fee is not applicable. The payment mode is easy.
      Was this review helpful? 1
      , tirupati
      Reviewed on Oct 15, 2019
    • ICICI Bank Credit Card
      "Need to enhance the credit limit"
      0.5 4.0/5 "Great!"
      I am holding ICICI bank platinum credit card for the past one year. It is a life time free credit card. I received a card on time. The credit limit is not much sufficient of 20 thousands only. EMI option is applicable and charges are nominal. By his card I bought only one mobile phone and monthly paying for an EMI of 2700 rupees.
      Was this review helpful? 1
      , coimbatore
      Reviewed on Oct 15, 2019
    • ICICI Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I have ICICI Bank credit card which i am using for the past 14 years.This was a free card and there was no difficulties faced so far on using this card .There are very good reward points and cash back offers which is really useful.I have Platinum card which is also good for me.
      Was this review helpful? 2
      , new delhi
      Reviewed on Oct 14, 2019
    • ICICI Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I have ICICI Bank credit card which was offered by Bank .I am using this credit card for the past 2 years ,The credit limit was good and this was a free card and there are good cash back offers as well as reward points ,This card is veryb useful and comfortable .I am really satisfied with the service so far .
      Was this review helpful? 1
      , erode
      Reviewed on Oct 14, 2019
    • ICICI Bank Credit Card
      "Need to enhance the credit limit"
      0.5 4.0/5 "Great!"
      I am having ICICI credit card for the past 8 years. Since I am holding a salary account with them they offered for the credit card and no documents submitted. It is an annual fee chargeable of 500 rupees. The credit limit is low given for 30 thousands only. EMI option is applicable and charges are nominal. I use this card for shopping and to pay for the loan. Based on the usage I get reward points.
      Was this review helpful? 2
      , erode
      Reviewed on Oct 14, 2019
    • ICICI Bank Credit Card
      "Better Card"
      0.5 5.0/5 "Blown Away!"
      I'm using the ICICI bank credit card for approximately 4 months. I get the benefits of no annual charges. I'm getting cashback, rewards points and discount. The provided credit limit of Rs. 27000 is not sufficient for me because my expectation was upto Rs. 1 lakh. I make the payment through online.
      Was this review helpful? 0
      , sawai madhopur
      Reviewed on Oct 13, 2019
    • ICICI Bank Credit Card
      "Better Card"
      0.5 3.0/5 "Satisfactory"
      Interest rates are more for EMI conversion. I used to make the payments on time. I hold the ICICI credit card for last 3 years for that they have given me a limit of Rs. 2000 and they offered me a limit enhancement but i have denied the same. I'm planning to close the credit card.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 13, 2019
    • ICICI Bank Credit Card
      "Good Service"
      0.5 5.0/5 "Blown Away!"
      I have ICICI Bank credit card which was directly taken through Bank .I am using this credit card for the past 1 year,This was a free card and i have not checked cash back offers and reward points so far .I have got this credit card without any delay ,I am really satisfied with the service.
      Was this review helpful? 0
      , chennai
      Reviewed on Oct 12, 2019
    • ICICI Bank Credit Card
      "Need to provide an EMI option"
      0.5 3.5/5 "Pretty good"
      On 4 months before I have applied for a credit card with ICICI bank directly to them. It is a life time free credit card and the credit limit is given for 30 thousands only for this card. EMI option is not applicable. I use this card for many purposes.
      Was this review helpful? 0
      , bangalore
      Reviewed on Oct 12, 2019
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