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Guide

How to Apply for the ICICI EMI Card in 2026

Harshil Vaja's profile photo Harshil Vaja
3 min read
Reviewed by Jay Dodiya Last reviewed 5 September 2026 Data verified 5 September 2026

Heads-up: ICICI EMI Card is no longer openly issued, so some figures below may be stale. The application steps still show how issuer applications generally work.

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.

How to Apply for the ICICI EMI Card in 2026

How to apply Total time: 10 min · Estimated cost: ₹500 (joining fee) · You’ll need: PAN, Aadhaar, mobile, salary slips (if required)

Apply for the ICICI EMI Card and convert any purchase above ₹2,500 to 0% APR EMI. Eligibility, fees, and the application process.

  1. Check EMI card eligibility — You must be 21–60 years old, a resident Indian, with a minimum monthly income of ₹20,000. CIBIL score of 720+ is preferred.
  2. Apply online via ICICI — Visit icicibank.com → Cards → Credit Cards → EMI Card. Click Apply Now. The form is pre-filled if you are an existing ICICI customer.
  3. Complete the application — Provide your name (as on PAN), PAN, Aadhaar, mobile, email, address, employment details, and monthly income.
  4. Complete Aadhaar eKYC — Authorize Aadhaar OTP eKYC. Verification completes within 60 seconds.
  5. Submit and track — Submit the form. The 12-digit application reference is shown. Track status in iMobile Pay. Approval takes 5–10 working days.
  6. Pay the joining fee and receive the card — 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.
  7. Use the card for a purchase above ₹2,500 — 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.
  8. Pay the EMI monthly via auto-pay — 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.

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).

Disclosure: FinWiz24 may earn a commission when you apply through links on this page. This does not influence our editorial independence — every card is scored against the same rubric.

Sources

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