How to Apply for the ICICI EMI Card in 2026

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.

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How to Apply for the ICICI EMI Card in 2026

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).