How to Apply for the ICICI EMI Card in 2026
Apply for the ICICI EMI Card and convert any purchase above ₹2,500 to 0% APR EMI. Eligibility, fees, and the application process.
Jiyan Kazi
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
Related card
ICICI Emi
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
Written by
Jiyan Kazi
Editorial disclosure
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