How to convert a ICICI Bank credit card purchase to EMI?
Nakshatra Pandey
Asked 3 May 2026
I just made a big purchase on my ICICI Bank credit card. What is the exact process to convert it into EMI? Are there any processing fees?
2 Answers
On the add-on card: yes, the primary cardholder is fully liable for all spends on the add-on. There is no separate credit limit or statement. So only issue it to someone you trust absolutely — spouse, parents. Not friends, not siblings you have money disputes with.
I've owned 4 cards over the last 7 years. The biggest lesson: a card that fits your spend pattern beats the 'most rewarding' card on paper. A 5% cashback card you actually use daily will give you 10x more value than a 10% card you use once a month.
Your Answer
Sign in to post your answer and help the community.
Sign in to postWhy sign in? We moderate Q&A to keep it spam-free.