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Make purchases and pay for them at your convenience
Convert your Credit Card transactions into EMIs (Equated Monthly Instalments) spread across a period ranging from 3 months to 24 months.
Features of ‘EMI on Call’ facility
Transactions of ₹ 1,500 and more on an ICICI Bank Credit Card can be converted into EMIs through the iMobile app, Internet Banking, WhatsApp Banking and Customer Care
Transactions of ₹ 3,000 and more on an ICICI Bank Credit Card can be converted into EMIs through the 3D Secure page / OTP page
Convert your transactions into EMIs and pay interest at up to 1.5% per month on a monthly reducing balance basis and enjoy a lower rate of interest than the revolving rate you would normally pay on your Credit Card
A one-time processing fee of up to 2% of the transaction value is charged at the time of EMI conversion
Purchase of gold, jewellery & fuel and gambling & cash transactions will not be eligible for EMIs
Transactions older than 30 days cannot be converted into EMIs.
How to avail the ‘EMI on Call’ facility?
Through digital modes:
iMobile app:
Log into iMobile
Click on ‘Cards & Forex’ and select your Credit Card
Click on ‘Manage Card’
Select ‘Convert to EMI’ from ‘More Options’
Select the Credit Card Number from the dropdown & select the transaction
Choose a convenient tenure for the EMIs, agree to the T&Cs and click on ‘Submit’.
WhatsApp Banking
Send a message with the keyword ‘Hi’ to +91 86400 86400 on WhatsApp
Follow this path: All Services > Credit Card Services > Convert Txn to EMI > Select Credit Card > Select Transaction for EMI Conversion > Select EMI Plan/ Tenure > Click on ‘Confirm’ > Enter the OTP sent to your registered mobile no. > Enter last 4-digits of PAN.
Internet Banking:
Log into ICICI Bank Internet Banking
Go to ‘Credit Cards’ under the ‘Cards & Loans’ section and click on ‘Convert to EMI’
Choose the Card and click on ‘Submit’
Select the transaction, click on ‘Calculate EMI’, select the EMI tenure, agree to the T&Cs and click on ‘Convert to EMI’.
Through 3D Secure/ OTP Page:
A Credit Cardholder can opt for converting an online transaction into EMI with plans for 6, 12 or 24 months on the 3D Secure / OTP page
Select ‘Tenure’, read and accept the T&Cs, enter the OTP and click on the ‘Submit’ button to opt for EMI conversion
The transaction will be converted into EMI within 4 working days.
Third Party applications for UPI on Credit Card Transactions
Log into the third-party application and go to the ‘History’ page
Select the ‘UPI on Credit Card’ transaction that needs to be converted to EMI
Choose a convenient EMI Plan
Provide consent and enter the PIN to avail the EMI.
Through voice modes:
Customer Care:
Call our Customer Care on 1800 1080 and get the eligible transaction converted to EMI.
Missed Call/ Transaction Alert SMS:
Give a missed call on 9537667667 from your registered mobile number
On receiving your request through a missed call, our representative will call you within 2 working days and explain the details related to the EMI charges before the EMI conversion.
All retail transactions of ₹ 1,500 and above can be converted into EMIs, with some exceptions:
Transactions older than 30 days cannot be converted into EMIs
Certain categories of transactions like cash, gambling, fuel, gold & jewellery purchase, etc. are not eligible for the ‘EMI On Call’ facility. In particular, jewellery & gold transactions cannot be converted into EMIs as per the guidelines issued by RBI from time to time.
This facility offers EMI payments with interest payment at a rate of up to 1.5% per month on a monthly reducing balance basis. A one-time processing fee of up to 2% of the transaction value is charged at the time of EMI conversion. A foreclosure fee of up to 3% and advance EMI interest and GST as applicable shall be chargeable if you opt for pre-closure of the EMIs.
You do not need to pay for the EMIs separately. EMIs are billed as a part of the Credit Card statement that is generated every month as per the billing cycle.
You can deduct the converted amount from the statement bill and pay the differential amount.
Converting to EMI does not negatively impact your credit score as long as you make timely EMI payments. However, late payments can affect your credit score.
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