How to Apply for the ICICI EMI Card in 2026

title: "How to Apply for the ICICI EMI Card in 2026" slug: how-to-apply-for-icici-emi-card excerpt: "Apply for the ICICI EMI Card and convert any purchase above ₹2,500 to 0% APR EMI. Eligibility, fees, and the application process." category: how-to-apply tags:

• icici
• emi
• no-cost
• 0-apr relatedCards:
• icici-emi heroImage: /images/guides/icici-emi.svg publishedAt: "2026-06-18T16:57:30.297Z"

The ICICI EMI Card is a credit card that allows you to convert any purchase above ₹2,500 to 0% APR EMI for 3, 6, 9, or 12 months. The card is a powerful tool for managing cash flow and avoiding interest on large purchases. The annual fee is ₹500, fully waived on ₹50,000 spends.

Why this matters

If you frequently make large purchases (electronics, furniture, travel bookings), the ICICI EMI Card lets you spread the cost over 3–12 months at 0% APR — effectively free credit. The card is a strong complement to your primary credit card.

Related cards

How to Apply for the ICICI EMI Card in 2026

  <li class="border-l-2 border-brand-primary pl-6 pb-6 last:pb-0 relative">
    <span class="absolute -left-[11px] flex size-5 items-center justify-center bg-brand-primary text-[10px] font-semibold text-white" aria-hidden="true">1</span>
    <h4 class="mb-1 text-base font-semibold text-ink">Check EMI card eligibility</h4>
    <p class="text-sm leading-relaxed text-ink-muted">You must be 21–60 years old, a resident Indian, with a minimum monthly income of ₹20,000. CIBIL score of 720+ is preferred.</p>
  </li>
  <li class="border-l-2 border-brand-primary pl-6 pb-6 last:pb-0 relative">
    <span class="absolute -left-[11px] flex size-5 items-center justify-center bg-brand-primary text-[10px] font-semibold text-white" aria-hidden="true">2</span>
    <h4 class="mb-1 text-base font-semibold text-ink">Apply online via ICICI</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Visit icicibank.com → Cards → Credit Cards → EMI Card. Click Apply Now. The form is pre-filled if you are an existing ICICI customer.</p>
  </li>
  <li class="border-l-2 border-brand-primary pl-6 pb-6 last:pb-0 relative">
    <span class="absolute -left-[11px] flex size-5 items-center justify-center bg-brand-primary text-[10px] font-semibold text-white" aria-hidden="true">3</span>
    <h4 class="mb-1 text-base font-semibold text-ink">Complete the application</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Provide your name (as on PAN), PAN, Aadhaar, mobile, email, address, employment details, and monthly income.</p>
  </li>
  <li class="border-l-2 border-brand-primary pl-6 pb-6 last:pb-0 relative">
    <span class="absolute -left-[11px] flex size-5 items-center justify-center bg-brand-primary text-[10px] font-semibold text-white" aria-hidden="true">4</span>
    <h4 class="mb-1 text-base font-semibold text-ink">Complete Aadhaar eKYC</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Authorize Aadhaar OTP eKYC. Verification completes within 60 seconds.</p>
  </li>
  <li class="border-l-2 border-brand-primary pl-6 pb-6 last:pb-0 relative">
    <span class="absolute -left-[11px] flex size-5 items-center justify-center bg-brand-primary text-[10px] font-semibold text-white" aria-hidden="true">5</span>
    <h4 class="mb-1 text-base font-semibold text-ink">Submit and track</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Submit the form. The 12-digit application reference is shown. Track status in iMobile Pay. Approval takes 5–10 working days.</p>
  </li>
  <li class="border-l-2 border-brand-primary pl-6 pb-6 last:pb-0 relative">
    <span class="absolute -left-[11px] flex size-5 items-center justify-center bg-brand-primary text-[10px] font-semibold text-white" aria-hidden="true">6</span>
    <h4 class="mb-1 text-base font-semibold text-ink">Pay the joining fee and receive the card</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Once approved, ICICI will charge ₹500 + GST as the joining fee. The card is delivered within 5 working days. Activate via IVR, iMobile Pay, or at any ICICI ATM.</p>
  </li>
  <li class="border-l-2 border-brand-primary pl-6 pb-6 last:pb-0 relative">
    <span class="absolute -left-[11px] flex size-5 items-center justify-center bg-brand-primary text-[10px] font-semibold text-white" aria-hidden="true">7</span>
    <h4 class="mb-1 text-base font-semibold text-ink">Use the card for a purchase above ₹2,500</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Use the card for any purchase above ₹2,500 at a partner merchant. The transaction is auto-converted to EMI at 0% APR for 3, 6, 9, or 12 months.</p>
  </li>
  <li class="border-l-2 border-brand-primary pl-6 pb-6 last:pb-0 relative">
    <span class="absolute -left-[11px] flex size-5 items-center justify-center bg-brand-primary text-[10px] font-semibold text-white" aria-hidden="true">8</span>
    <h4 class="mb-1 text-base font-semibold text-ink">Pay the EMI monthly via auto-pay</h4>
    <p class="text-sm leading-relaxed text-ink-muted">Set up auto-pay for the monthly EMI in iMobile Pay. The EMI is debited from your bank account on the due date each month.</p>
  </li>

Common mistakes to avoid

The 0% APR is only on partner merchants — check the ICICI EMI partner list before making a purchase. The EMI processing fee is 0% on partner merchants, but 1–2% on non-partner merchants. Always check the EMI terms before converting.

Pro tips

• Use the EMI card only for purchases above ₹2,500 at partner merchants
• Choose the EMI tenure based on your cash flow — 6 or 9 months is usually the sweet spot
• Set up auto-pay for the monthly EMI to avoid late fees
• Check the ICICI EMI partner list in iMobile Pay before any large purchase

Frequently asked questions

What is the annual fee on the ICICI EMI Card?

₹500 + GST, waived on ₹50,000 spends in the previous 12 months.

Is the 0% APR truly free?

Yes, on partner merchants. The processing fee is 0% on partner merchants, but 1–2% on non-partner merchants. Always check the partner list before converting.

What is the maximum EMI tenure?

Up to 12 months on partner merchants. For non-partner merchants, the maximum tenure is 24 months at a higher interest rate (12–16% per annum).