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Instant EMI


Shop in full, pay in parts with ICICI Bank Instant EMI. Instant EMI refers to the conversion into EMI upon request by the Card Member, of transactions performed using the Card and for such online transactions, where the option for such conversion is available.

ICICI Bank has tied up with a number of leading brands to ensure best EMI deals. Enjoy flexible tenures and hassle free EMI conversion with ICICI Bank Instant EMI.


  • Over 250+ brands available on Instant EMI
  • Guess what, Instant EMI conversion is without any documentation
  • Tenure option of 3, 6, 9, 12, 18 & 24 months available
  • Interest rate of 15.99% will be applicable for 3,6,9,12,18 and 24 Months EMI tenure.
  • Save on higher credit card interest rate
  • Transaction amount as low as Rs.1500 & as high as Rs.10 Lakh can be converted to Instant EMI on Credit Cards.
  • In case of any No extra cost* EMI scheme, cardholder will receive either an instant discount or cashback equal to interest subvented by the merchant/brand.

    *Extra cost will be borne by respective merchant/brand and not by ICICI Bank.

How to avail of Instant EMI facility :

  • ICICI Bank Credit Card holder asks for the transaction to be converted into easy EMIs. If the customer's card account has the requisite balance, the transaction is appoved
  • This transaction is automatically converted into Instant EMI
  • Customer's Credit Card statement will clearly display the transaction that has been converted into easy EMIs

Use our calculator to calculate and view the monthly repayment schedule for EMI Purchases on your Credit Card.

EMI offers on ICICI Bank Credit Card

Avail exciting offers on your favorite Mobile phones, Home appliances , Furniture , Beauty & Wellness products & many more at your nearest store .

Click Here to locate a nearest store .