Up to Rs 5,000 instant cashback on Apple 

Offer Terms & Conditions for Offline Channels

1. The instant cashback offer is available on both EMI and non-EMI transactions using ICICI Bank Credit Cards and EMI transactions using ICICI Bank Debit Cards only through the Brand EMI option available on Pine Labs and Paytm terminals.
2. The offer is not valid on full swipe transactions using ICICI Bank Debit Cards.
3. The offer is not valid on ICICI Bank Corporate Credit Cards and Business Credit Cards.
4. The offer is available at:
   1. Apple Premium Reseller and Apple Authorised Reseller stores
   2. Large retail stores like Croma, Reliance Digital, Vijay Sales, Bajaj Electronics, Top-10, Poojara Telecom, Sangeetha Mobiles, Poorvika and other reseller stores.
5. The offer will not be available at the Apple BKC store, Apple Saket store and on apple.in.
6. No Cost EMI rates will be applicable on ICICI Bank Debit Card EMI and Credit Card EMI transactions for a tenure of 6 months only. In case, the tenure is more than 6 months, Low Cost EMI will be applicable.
7. The Minimum Transaction Amount to avail the offer is 60% of the MRP in case of iPhone, MacBook and Apple Watch categories and 80% of the MRP for iPad and AirPods categories. 
8. The offer is applicable only:
   1. Offline (through Brand EMI) - Limited to 2 transactions per card per product category during the offer period. 
   2. Online (through Pine Labs payment gateway) - Limited to 1 transaction per card per product category during the offer period.
9. Processing fee and GST on interest are applicable as per the Bank’s Terms and Conditions.
10. The offer may be revised or withdrawn without any prior notice.

1. The offer is also available on amazon.in and flipkart.com
2. Amazon.in
   • Terms applicable for Amazon Pay ICICI Bank Credit Card customers purchasing through the Amazon app or website, are given below:
     • Prime customers will get 5% unlimited rewards and Non-Prime Customer will get 3% unlimited rewards
     • Over and above the reward points the customer will be eligible for an instant cashback not more than 2/3rd value of the cashback amount mentioned below in the Product-wise offer details list.
     • Customer will be eligible for same cashback value as retail credit card for EMI transactions

3. Flipkart.com
   1. Offer can be availed on maximum 1 Transaction/Card/Channel/Category during the Offer Period.
4. Minimum Transaction Amount eligible for offer is 60% of the MRP in case of iPhone, MacBook & Apple Watch and 80% of the MRP for iPad and AirPods categories.
5. The offer is not valid on ICICI Bank Corporate Credit Cards and Business Credit Cards
6. The offer is not valid on full swipe transactions using ICICI Bank Debit Cards
7. The offer is not applicable for Card on Delivery payment mode available on amazon.in and flipkart.com
8. The offer is not applicable on cancelled/returned orders.

• ICICI Bank provides no warranty or makes no representation about the quality, delivery or otherwise of the goods and services or the assured gifts/prizes offered by the Alliance Partner. Any dispute or claim regarding the goods, services and assured gifts/prizes must be resolved by the cardholders with the Alliance Partner directly without any reference to ICICI Bank
• ICICI Bank shall not be liable in any manner whatsoever for any loss/damage/claim that may arise out of use or otherwise of any goods/services/assured gifts/prizes availed by the cardholder under the Programme/Offer provided by the Alliance Partner
• ICICI Bank reserves the right to disqualify the Alliance Partner or the cardholder from the benefits of the Programme if any fraudulent activity is identified as being carried out for the purpose of availing the benefits under the Programme or otherwise by use of the Card
• The cashback/discount/assured gift/prize is sponsored by the Alliance Partner and the cardholder shall be bound by the Terms and Conditions stipulated by the Alliance Partner in this regard
• ICICI Bank shall not be held liable for any delay or loss that may be caused in the delivery of the goods and services or the assured gifts/prizes.
• The Programme/Offer is not available wherever prohibited and/or on merchandise/products/services for which such programmes cannot be offered for any reason whatsoever.

Product-wise offer details:

1. How Can I Avail Apple Offer.

The instant cashback offer is available on both EMI and Non-EMI transactions made using ICICI Bank Credit Card and only EMI transactions using Debit Card via the Brand EMI option on Pine Labs and PayTm terminals.

Click here for the detailed store list.

2. On what products I can avail the offer?

Click here  for the detailed SKU wise offer list.

3. Is the offer available on EMIs?

Yes the offer is applicable on Credit Card EMI and Debit Card EMI.

4. What are the tenure options available for EMI.

3, 6, 9 & 12 months tenure options are available.

5. What are the tenure options available for No Cost EMI.

No Cost EMI is applicable only on 6 Months tenure. In case of tenures greater than 6 months, Low Cost EMI will be applicable.

6. Are the offers available on ICICI Bank Amazon Pay Credit Cards?

Yes. Instant cashback offer is applicable on all ICICI Bank active retail credit cards. The offer is not applicable on Corporate Credit Cards and Forex Cards.

7. What payment instruments are applicable for the offer?

ICICI Bank Credit Card Full-swipe, ICICI Bank Credit Card EMI, ICICI Bank Debit Card EMI.

Debit Card EMI FAQs

8. What is an ICICI Bank Debit Card EMI?

EMI on Debit Card is one of the payment option to buy now and make payments in easy monthly instalments. You can use your ICICI Bank Debit/ATM Cards to avail EMI at local merchants store and online websites.

9. How do I know if I am eligible for an ICICI Bank Debit Card EMI?

To check you Debit Card EMI eligibility and limit: SMS DCEMI space last 4 digits of Debit Card number to 5676766.

10. How can I avail the EMI facility?

At Merchant Outlet/Store

• Step 1: Visit the store & ask for Debit Card EMI
• Step 2: Swipe the Debit Card & select EMI tenure
• Step 3: Enter PIN to authorise ₹ 1 payment
• Step 4: EMI Transaction Successful

At Online Platforms

• Step 1: Visit the website & add your product to cart
• Step 2: Select Debit Card EMI as payment mode
• Step 3: Enter OTP to authorise ₹ 1 payment
• Step 4: EMI Transaction Successful

11. What is the minimum and maximum product value required for availing the EMI on Debit Card facility?

Customers can avail this facility for products within the price range of Rs 5,000 to Rs 5,00,000.

12. What are the tenure options available for EMI on Debit Card?

Customers can choose between 3, 6, 9 or 12 months tenure.

13. What will be the applicable interest rate for EMI on Debit Card?

The applicable interest rate will be 16% per annum.

14. Is there any processing fee to avail the Debit Card EMI?

An applicable processing fees of Rs 199 will be charged by the Bank for availing the facility.

15. What will be the date of auto-debit?

The EMI amount will be auto-debited between 3^rd and 7^th of the month from the customer’s linked Savings or Current Account. Therefore, the customer has to maintain sufficient balance from 2^nd onwards.

1. If the transaction is done on or before the 15^th of the month, the first EMI will be charged between 3^rd and 7^th of next month.
2. If the transaction is done on or after 16^th of the month, then first EMI will be charged between 3^rd and 7^th of the next to next month (3^rd month).

Example: If a customer bought a product on 17 January, then his/her 1^st EMI will be auto-debited in March)

16. Am I allowed to change the EMI plan after placing the order?

EMI plans cannot be changed once an order is placed.

17. Do I need to pay any down payment to avail a Debit Card EMI?

No down payment is needed to avail a Debit Card EMI.

18. Can I foreclose EMIs with the 'Debit Card EMI' payment mode?

Yes, you can foreclose EMIs by contacting the Bank’s customer care number or you can visit your nearest branch. However, you will be charged an amount as per the policy for Cancellations, Refunds and Pre-closure.

19. Is the processing fee refundable after cancellation or foreclosure?

Processing fee is refundable only if the entire product/Loan amount is fully cancelled. Processing fee is not refundable in case of partial cancellation. For example, if the loan is booked for Rs 20,000 (consisting of 2 products of Rs 10,000 each) and you cancel only <1> product, the processing fee will not be refunded.

20. Will I receive an e-statement post a successful transaction?

E-statements will be generated every month and will be sent to your registered e-mail ID.

21. How do I open the e-statement?

For security reasons, the file is password protected. You will require an 8-character password to view your e-statement. For example, if your name is Rakesh Kumar and your Date of Birth is January 05, 1975, then your password will be rake0501.

22. I am unable to open the e-statement. What should I do?

The password is case-sensitive (lowercase). Please do not include any special characters, spaces or salutations. If you are still unable to open the document, please use password as <inst> followed by your date and month of birth in DDMM format. For example, if your Date of Birth is January 05, 1975, then your password will be inst0501.

23. What are the additional charges involved in Debit Card EMI?

Non-maintenance of sufficient balance on due date in your Savings Account will lead to levy of an Auto-debit Return fee + Late payment charges.

24. For more information,visit:

https://www.icicibank.com/Personal-Banking/cards/Consumer-Cards/Debit-Card/schedule-of-charges.page?#toptitle

25. What are the offers available on EMI on Debit Card?

For offers details, visit: https://www.icicibank.com/offers/categories/category-listing/debit-card-emi-offers

26. How to pay back EMI on debit card?

Every month EMI amount is auto debited from customer’s Savings/Current account. If customer missed to maintain minimum balance on due date, then he/she can pay the EMI amount by contacting customer care or nearest branch.

CCEMI FAQs

27. How can I avail the EMI facility?

At Merchant Outlet/Store

• Step 1: Visit the store & ask for Credit Card EMI
• Step 2: Swipe the Credit Card & select EMI tenure
• Step 3: Enter PIN to authorise
• Step 4: EMI Transaction Successful 

At Online Platforms

• Step 1: Visit the website & add your product to cart
• Step 2: Select Credit Card EMI as payment mode
• Step 3: Enter OTP to authorise
• Step 4: EMI Transaction Successful

28. What are the tenure options available for EMI on Credit Card?

Customers can choose between 3, 6, 9,12,18 or 24 months tenure.

29. What will be the applicable interest rate for EMI on Credit Card?

The applicable interest rate will be 15.99% per annum.

30. Is there any processing fee to avail the Debit Card EMI?

A processing fees of Rs 199 will be charged by the Bank for availing the facility.

31. Can I foreclose EMIs with the 'Credit Card EMI' payment mode?

Yes, you can foreclose EMIs by contacting the Bank’s customer care number or you can visit your nearest branch. However, you will be charged an amount as per the policy for Cancellations, Refunds and Pre-closure.

32. Is the processing fee refundable after cancellation or foreclosure?

Processing fee is refundable only if the entire product/Loan amount is fully cancelled. Processing fee is not refundable in case of partial cancellation. For example, if the loan is booked for Rs 20,000 (consisting of 2 products of Rs 10,000 each) and you cancel only 1 product, the processing fee will not be refunded.

33. Will I receive an e-statement post a successful transaction?

E-statements will be generated every month and will be sent to your registered e-mail ID.

34. How to pay back my EMI on Credit card?

Every month EMI amount (Principal, Interest and applicable GST)is billed in the customer’s Credit Card account.

35. Will I get reward points as well for EMI on Credit Card ?

Rewards will not be applicable on EMI transactions for ICICI credit cards.