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Make purchases and pay for them at your convenience with the ‘EMI On Call’ facility from ICICI Bank
Convert your Credit Card transactions into Equated Monthly Instalments (EMIs) spread across a tenure ranging from 3 months to 24 months and pay for your purchases in instalments.
Features of ‘EMI on Call’ facility
- Transactions of ₹ 1,500 and more can be converted into EMIs through the iMobile app, Internet Banking, WhatsApp Banking and ICICI Bank Customer Care under the ‘EMI On Call’ facility.
- Transactions of ₹3,000 and more can be converted into EMIs, through the 3D Secure page/OTP page under the ‘EMI On Call’ facility.
- Convert your transactions into EMIs and pay interest at the rate of 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 2% of the transaction value is charged at the time of EMI conversion.
- Gold, jewellery, fuel purchases, gambling and cash transactions won’t 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:
- Step 1: Log in to ICICI Bank iMobile app
- Step 2: Click on ‘Cards & Forex’ and select your Credit Card
- Step 3: Click on the ‘Manage Card’ section
- Step 4: Select ‘Convert to EMI’ from ‘More Options’
- Step 5: Select the Credit Card Number from the dropdown & select the transaction
- Step 6: Choose a convenient tenure for the EMIs and click on ‘Submit’.
WhatsApp Banking
Send a message with the keyword ‘Hi’ on (+91 86400 86400) through WhatsApp
Click 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:
- Step 1: Log in to ICICI Bank Internet Banking
- Step 2 : Go to Credit Cards under the ‘Cards & Loans’ section and click on ‘Convert to EMI’.
- Step 3 : Choose the card and click on ‘Submit’
- Step 4 : Select the transactions, click on calculate EMI, select EMI tenure and acknowledge on T & C and click on ‘Convert to EMI’.
Through 3D Secure/ OTP Page:
- Credit Cardholders can opt for converting an online transaction into EMI, with plans for 6, 12 and 24 months on the 3D Secure/ OTP page
- Select ‘Tenure’, read & click on the ‘T&Cs’ checkbox, enter the OTP and click on the ‘Submit’ button to opt for EMI conversion
- EMI will be converted within <4> working days.
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 two working days and explain the details related to EMI charges before the EMI Conversion.
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