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CreditMantri Finserve Private Limited
CreditMantri Finserve Private Limited Unit No. B2, No 769, Phase-1, Lower Ground Floor, Spencer Plaza, Anna Salai, Chennai - 600002
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You can use ICICI Credit Card EMI for a wide range of expenses, such as utility bills, mobile, DTH or internet bills and travel expenses.
ICICI credit cards have partnered with 1000s of brands across the country to offer the best products and services at affordable EMIs. The credit card EMI facility is available in two formats -1. Instant EMI
2. EMI On Call
Let Us See Both The Options In Detail
Instant EMIHere, the transaction is converted into EMIs at the time of bill payment. You can use this facility at both online and offline outlets. Here is why you should choose the Instant EMI option on your ICICI Credit Card -
Instant EMI on ICICI Credit Card – Snapshot
| Eligible Amount | From Rs.1500 – Rs.10 lakhs |
| Available Tenures | 3, 6, 9, 12 & 24 months |
| Interest Rates | 3 months tenure – 12.99% |
| 6, 9 & 12 months – 13.99% | 24 months – 14.99% |
| Processing Fee | Flat Rs.199 + GST for every transaction |
Instant EMI is available at the time of purchase. So here are the steps to avail it -
1. The buyer has to first identify products that are eligible for Instant EMI on an ICICI Credit Card. This can be found on the product information page.
2. Once you have confirmed the option, proceed to the checkout page. In the payment options, choose ICICI Credit Card and select 'Pay by EMI' option.
3. You will be presented with the tenure options and the respective interest rates. Choose the one that suits you best and complete the payment.
4. You shall be asked for additional authentication in the form of PIN or OTP. Once you enter the information, the order is placed.
5. In case of in-store purchases, please inform the biller before they swipe the card. They will choose the EMI option on the POS machine, swipe your card, choose the tenure, and then ask you to enter the PIN.
6. Upon successful authentication, the transaction is automatically converted into an EMI.
Additional Read: Advantages Of Converting Credit Card Purchases Into EMIs
A few transactions don’t have the Instant EMI option. They can be, however, converted to EMI at a later date, before your billing date. This is the feature called ‘EMI On Call’ by ICICI credit card.
Here are the benefits of the 'EMI on Call' facility
Using Internet Banking:
Step 1: Access ICICI Bank Net Banking.Step 2: Select Credit Cards from the 'My Accounts' menu and click 'Convert to EMI.'
Step 3: Select the card, the transaction, and the EMI tenure. Then press the 'Submit' button.
Using IMobile Pay:
Step 1: Access the ICICI Bank iMobile app.Step 2: Navigate to the 'Cards' tab.
Step 3: Choose a Credit Card
Step 4: In the 'Recent Transactions' section, click on 'Convert to EMI' on the eligible transactions.
Step 5: Select a convenient EMI tenure and click 'Submit.'
Phone Banking
Call 1860 120 7777 for ICICI Bank credit card customer service. Alternatively, dial 9537667667 from your registered mobile number.Our representative will contact you within two working days after receiving your request via missed call.
With a credit card, you can pay for everything from car repairs to plane tickets and personal expenses. In addition, most credit cards these days offer rewards programs such as Cash Back or a percentage of purchases. If you are looking for a list of the latest credit cards and their features, check out this page.1. What is the minimum amount to convert into an EMI?
ICICI allows transactions above Rs.1500 to be converted into EMI.
2. What is an Instant EMI on an ICICI Credit Card?
In an Instant EMI, the transaction is converted into EMIs at the time of bill payment. You can use this facility at both online and offline outlets.
3. What is EMI On Call with ICICI Credit Cards?
A few transactions don’t have the Instant EMI option. They can be, however, converted to EMI at a later date, before your billing date. This is the feature called ‘EMI On Call’ by ICICI credit card.
4. What is the interest rate on EMIs with an ICICI Credit Card?
ICICI charges interest rates starting at 12.99% per annum on EMI transactions. This rate varies based on your profile and the transaction amount.
5. What are the processing charges to convert a transaction into EMI?
ICICI charges a flat rate of Rs.199+GST as processing fee for every EMI conversion.
6. How do I find out if the EMI option is available on a particular purchase?
While making the transaction, the EMI option will be available on the merchant's website. You can check with the billing clerk for in-store purchases. Users have to remember that the EMI option is not available on all purchases.
CreditMantri will never ask you to make a payment anywhere outside the secure CreditMantri website. DO NOT make payment to any other bank account or wallet or divulge your bank/card details to fraudsters and imposters claiming to be operating on our behalf. We do not sell any loans on our own and do not charge any fee from our customers/viewers for the purpose of loan application