ICICI Credit Card EMI Calculator

Credit Card EMI Calculator

Calculate your EMI with ease and plan your finances

Transaction Amount
₹1,500
₹2,00,000
₹4,00,000
₹6,00,000
₹8,00,000
₹10,00,000
₹
₹10,00,000
Interest Rate
1%
5%
10%
15%
20%
10%
Tenure
6 Months
Half Year
1 Year
12 Months
18 Months
1.5 Years
2 Years
24 Months
EMI Amount
₹1,736
₹41,416
Total Interest Amount
₹10,41,416
Total Amount

Processing fee of ₹199 is applicable on Instant EMI

Processing fee of 2% of transaction amount is applicable on EMI on Call

Disclaimer: Actual results might vary based on bank policies and charges.

Your Repayment Schedule

Installments Principal Amount Total Interest Charged (14%) EMI Amount Balance
Feb 2026
1,619 117 1,736 8,381
Mar 2026
1,638 98 1,736 6,744
Apr 2026
1,657 79 1,736 5,087
May 2026
1,677 59 1,736 3,411
Jun 2026
1,696 40 1,736 1,715
Jul 2026
1,716 20 1,736 0

About ICICI Credit Card EMI Calculator

Simple tool to plan your monthly payments

The ICICI Credit Card EMI Calculator helps you plan your monthly budget and manage your payment installments easily.
Just enter your purchase amount, interest rate, and how many months you want to pay.
You’ll see your monthly payment amount, total interest, and overall payment amount.
You can choose payment periods from 6 months up to 24 months.

Why Use the EMI Calculator?

Find a monthly payment amount that fits your budget comfortably. This helps you make payments on time without stress or money worries.

Note: The calculator gives you estimated amounts. Your actual payments may vary slightly based on your specific card terms.

Basic Information of ICICI Credit Card

Common questions about ICICI Credit Cards and EMI calculations

What is a Credit Card?
A payment card from banks that lets you buy now and pay later. You get a monthly bill with all your purchases.
Benefits of using a Credit Card?
Easy payments, interest-free period on purchases, reward points, EMI option, credit score building, and special offers.
How long is an ICICI Credit Card valid?
ICICI Credit Cards work for up to 7 years from issue date.
What is the credit period?
The time between purchase and payment due date. Usually 18-48 days, depending on your billing cycle.
Types of ICICI Bank Credit Cards?
Lifestyle, shopping, travel, fuel, co-branded, business, and student cards.
Benefits of ICICI Credit Cards?
Reward points, fuel savings, airport lounge access, EMI conversion, partner discounts, and lost card protection.
What is a Contactless Credit Card?
Tap-to-pay card for NFC terminals. Quick payments without PIN for small amounts. More secure as card stays in hand.
What is a secured Credit Card?
Card backed by Fixed Deposit. Good for building credit history. Only for primary account holders.
How does a Credit Card work?
Use card to buy things → purchases added to bill → get monthly statement → pay by due date → avoid interest if paid in full.
What is Credit Limit?
Maximum amount you can spend on card. Set by bank based on your profile.
What is billing cycle?
Time between two statements. Usually 28-31 days. All purchases in this period go on one bill.
What is Total Amount Due?
Full amount you owe on card for that month. Includes all purchases, fees, and interest.
What is Minimum Amount Due?
Smallest payment to avoid late fees. Interest applies on remaining balance if only minimum paid.
What is due date?
Last day to make payment. Pay by this date to avoid late fees and keep account in good standing.
What is interest-free period?
Time from purchase to due date when no interest is charged, if previous balance was paid fully.
What are reward points?
Points earned on card spends. Can be exchanged for gifts, vouchers, travel bookings, or statement credit.
Can I withdraw cash using Credit Card?
Yes, from ATMs. But it’s a cash advance – interest starts immediately plus transaction fee.
What is revolving credit?
Pay only minimum due, carry rest to next month. Interest applies on unpaid amount. More expensive than regular loan.
International transactions allowed?
Yes, for most ICICI cards. Extra charges apply for foreign currency transactions.

Note: Information is for general understanding. Check your card terms or contact ICICI Bank for specific details.

Fees & Charges of ICICI Credit Card

Understanding the fees and charges on your ICICI Credit Card

What is an annual fee?
Yearly charge for card services and benefits. Some cards waive this fee if you spend enough during the year.
Can my annual fee be waived?
Yes, on some ICICI cards if you meet the yearly spending requirement. Waiver can be for first year, later years, or both.
What are finance charges?
Interest on unpaid balances, cash advances, EMI conversions, and carried-forward amounts until fully paid.
When do interest charges start?
When you don’t pay total amount due by due date. Cash withdrawals have no interest-free period – interest starts immediately.
What is a late payment fee?
Charge when you don’t pay minimum or total amount due by due date. Amount varies based on outstanding balance.
Does late payment affect interest?
Yes. Interest continues on outstanding balance until cleared. New purchases also attract interest until dues are fully paid.
Do late payments affect credit score?
Yes. Regular late payments hurt your credit history and lower credit score, as payment behavior is important for credit rating.
What is a forex markup fee?
Extra charge on international transactions in foreign currency or outside India. Percentage added to transaction value.
How does currency conversion work?
Foreign amount converted to INR using card network rate. Forex markup percentage added to converted value, shown in statement.
Are there any GST charges?
Yes. GST applies on card fees, interest, and service charges as per current tax rules. GST amount appears in monthly statement.
What is a joining fee?
One-time charge when card is issued. Often comes with welcome benefits like reward points or vouchers.

Note: Fee details may vary by card type. Check your card terms or contact ICICI Bank for exact charges.

Eligibility & Documentation for ICICI Credit Card

Common questions about who can apply and what documents are needed

What age do I need to be to get a card?
You must be at least 18 years old. For family members’ cards, the age can be as low as 12 years.
Do I need to have an account with ICICI Bank?
No, you don’t need an ICICI account. Anyone can apply if they meet the requirements.
Why didn’t I get approved for a card?
Common reasons: low credit score, not enough income, wrong documents, or too many recent applications.
Does my credit score matter?
Yes. A good credit score helps you get approved and may get you a higher spending limit.
Do I need a PAN card?
Yes, PAN card is required by law for all credit card applications.
Do I need to link Aadhaar and PAN?
Yes, this is required by government rules for identity verification.
Will the bank tell me if I’m not approved?
Yes, you’ll receive a message telling you why your application wasn’t approved.
How can I check my application status?
Visit ICICI Bank’s website or use their mobile app and look for “Track My Application”.
Can I apply if I already have loans?
Yes, if you have been paying your loans on time and have enough income.
Can students get credit cards?
Yes, final year students at selected colleges can apply for special student cards.
Can people living outside India apply?
Yes, NRIs can apply with the right documents as per government rules.
Can retired people get credit cards?
Yes, based on pension or savings, or by getting a card secured with a fixed deposit.
What if I’ve never had credit before?
You can start with a secured card that uses a fixed deposit, or apply for a basic card to build credit history.
How do I apply online?
Go to ICICI Bank’s website or download their app, fill in your details, and submit. The bank will check and let you know.

Note: Requirements may change. Check ICICI Bank’s official website for the most current information.

Credit Limit & Usage of ICICI Credit Card

Common questions about credit limits and how to use your ICICI Credit Card

Can I get a higher spending limit?
Yes. You can ask for more limit using iMobile app, internet banking, or by calling customer service. Approval depends on how you use and pay your card.
Can my credit limit be lowered?
Yes. The bank may reduce your limit if they think there’s more risk or if your financial situation changes.
How often can I change my credit limit?
You can ask to change it anytime. Approval depends on how you use your card, payment history, and bank rules.
What is a self-set limit?
You can set your own spending limit lower than your bank-given limit. This helps control spending and keeps your card safer.
What is a temporary limit increase?
You can get a higher limit for a short time when needed. Available after 9 months of having the card, based on your credit history.
How do I control my card usage?
Use the iMobile Pay app to set spending limits, turn on/off international use, and control where your card can be used.
Why won’t my card work abroad?
Your international use might be turned off. Turn it on in the iMobile app under card settings.
How do I link my RuPay card for UPI?
Open iMobile app, go to UPI Payments, select Link RuPay Credit Card, choose your ICICI RuPay card, and confirm.
How is my credit limit decided?
Based on your income, payment history, type of card, and bank’s assessment. Can change based on how you use it.

Note: Card features and limits may vary. Check the iMobile app for your specific card settings.

ICICI Credit Card Rewards & Offers

Simple answers about reward points and special offers

How do I use my reward points?
Use iMobile app or internet banking to exchange points for gifts, vouchers, travel, or bill payments.
How can I see my reward points?
Check your points balance and history in the iMobile app or internet banking.
How many points do I need to get something?
Different items need different points. You’ll see how many points each item needs in the rewards section.
Do EMI payments earn points?
No, EMI payments and converted EMIs don’t give you reward points.
Can I use points like money?
No, reward points are not money. Their value depends on what you want to get with them.
Do family card spends earn points?
Yes, spending on family cards earns points that go to the main cardholder.
What are extra reward points?
Extra points you earn on special categories like travel, hotels, or online shopping.
What rules apply to redeeming gifts?
Each gift has its own rules about points needed, delivery time, and return policy.
Do my points expire?
Yes, points expire 3 years after you earn them if you don’t use them.
Why didn’t I get points for my purchase?
Some purchases like fuel, cash withdrawal, or wallet loading don’t earn points.
What happens to points if I close my card?
You lose all unused points when you close your card account.
Can I use points to pay my bill?
Only if your specific card type allows this option.
Is there a charge to use my points?
Yes, ₹99 + GST is charged each time you exchange points for something.
Can I change my gift order?
No, once you place an order, you cannot change it even for the same points.
What are ICICI Bank Rewards?
A program where you earn points when you spend, which you can exchange for gifts, vouchers, or travel.

Note: Different cards have different reward rules. Check your card details for what applies to you.

ICICI Credit Card Travel & Lifestyle

Simple answers about travel benefits and lifestyle offers

Which card is best for travel?
ICICI has special travel cards like Sapphiro and Emeralde that give airport lounge access, travel rewards, and help services.
How do I turn on my airport lounge card?
Your lounge card comes ready to use. No need to turn it on – just take it to the airport.
Where can I find airport lounges?
Check prioritypass.com for a list of lounges around the world that accept your card.
Which card saves money on petrol?
Special fuel cards like HPCL Super Saver give you savings on petrol and extra points.
How do I get movie ticket discount?
On BookMyShow, choose your movie, go to payment, look for ICICI offers, pick your discount, and pay with your ICICI card.
Is there a limit on free movie tickets?
Yes, free tickets have a maximum price depending on your card type.
My movie booking failed but I was charged?
BookMyShow will return your money automatically. If it takes too long, call customer service.
Do I get free travel insurance?
Some ICICI cards come with free travel insurance. Check your card details to see if yours does.
Can I get movie discounts on weekends?
Yes, movie offers work every day, but each day has limited discounts available.
What is airport lounge access?
A place at airports where you can sit, eat, drink, and use WiFi for free before your flight.

Note: Benefits vary by card type. Check your specific card details for what offers you get.

ICICI Credit Card Delivery

Simple answers about getting your new or replacement card

My card delivery failed. How do I get it sent again?
Call customer service or use internet banking to ask for redelivery. They’ll try again within 5 working days.
When will I get my new card when the old one expires?
You’ll get your new card about 10 days before your current card expires. Your old card works until the last day shown on it.
What if I don’t get my renewal card?
Call customer service or use internet banking to report you didn’t receive it. They’ll send a new one.
How do I get a new card if I blocked my old one?
Call customer service to request a replacement. They’ll send a new card within 5 working days.
Will I get delivery tracking information?
Yes, you’ll get a text message and email with the courier company and tracking number when your card is sent.

Note: Always call from your registered phone number for faster service when asking about card delivery.

ICICI Credit Card Access & Payment

Simple answers about using and paying your card

How do I know if my phone number is registered?
If you get text messages when you use your card, your number is registered. You can also call customer service to check.
How do I get my login username and password?
Call customer service for your username. For password, click “Get Password” on the ICICI login page.
Can I change my login username?
Yes, but only once. Log in to internet banking, go to My Profile, and update your user ID.
How do I register my card for online bill payment?
In internet banking, go to Pay Bills, add your ICICI card as a biller using your 16-digit card number.
How do I turn on online shopping with my card?
Use the iMobile app: go to Cards, choose your card, Manage Card, and turn on online/International/Tap & Pay.
Can I get OTP by email?
No, OTP comes only to your registered phone number for security reasons.
How do I pay my card bill?
Use iMobile app, internet banking, UPI, NEFT, auto-debit, cheque, or cash at ICICI branches.
Can I pay at ATM?
Yes, at some ICICI ATMs that accept cash or cheque for card payments.
What if my cheque payment is late?
Late payment charges and interest will be added if payment doesn’t clear by the due date.
What if I pay extra by mistake?
Extra payment stays as credit on your card and will be used for your next purchases.
Can I change my bill date?
Yes, once every 6 months if your card allows it. Request through internet banking or app.
Is there a charge for online bill payment?
No, paying your bill online through internet banking is free.
My payment isn’t showing online. What should I do?
Wait 24 hours. If still not showing, call customer service with your payment details.
How do I set up automatic bill payment?
Use iMobile app: Cards & Forex, choose your card, Manage, Manage Auto Pay. Or use internet banking.
Where can I get the auto-pay form?
Download from ICICI website Form Center, or set it up online through the app or internet banking.

Note: Most tasks can be done through the iMobile app or internet banking. Always use your registered phone number.

ICICI Credit Card EMI & Personal Loans

Simple answers about EMI payments and loans on your card

Can I change my EMI payment date?
No, EMI payment dates cannot be changed. They will show on your regular card statement.
How do I pay my EMI amount?
EMI is included in your monthly card bill. Pay your card bill as usual – no separate payment needed.
Do I get a separate bill for personal loan on card?
No, personal loan on card shows on your regular card statement with same due date.
Can I pay off my EMI loan early?
Yes, use the iMobile app or internet banking to close your EMI early. Call customer service or email with last 4 digits of your card.
Do I earn reward points on EMI purchases?
No, you don’t get reward points on purchases converted to EMI.
How do I check remaining EMI months?
Check in iMobile app, internet banking, or call customer service from your registered phone.
How do I get my EMI payment schedule?
Download from iMobile app, or email customer service with last 4 digits of your card for a soft copy.
What purchases can I convert to EMI?
Purchases of ₹1,500+ can be EMI for 3 to 24 months. Cash, jewellery and fuel purchases can’t be EMI.

Note: Most EMI tasks can be done through the iMobile app or internet banking. Always use your registered phone.

ICICI Credit Card Interest & Statements

Simple answers about interest charges and your card statements

When does interest stop on my card?
Interest stops when you pay your full bill amount by the due date shown on your statement.
How do I get my interest calculation details?
Call customer service or email them with last 4 digits of your card. You’ll get details by email in 3 days or by post in 7 days.
How do I open my password-protected statement?
Password is first 4 letters of your name (lowercase) + your birth day and month (DDMM). If it doesn’t work, call customer service.
How do I get my card statement?
Use iMobile app or internet banking to view and download. You can also ask them to email it to you.
How many old statements can I see online?
You can see statements from the last 5 years through iMobile app or internet banking.
Why am I charged interest on my card?
You pay interest when you don’t pay full bill by due date, or when you take cash from ATMs (interest starts immediately on cash).

Note: Pay your full bill by the due date to avoid interest charges. Check statements regularly in the iMobile app.

ICICI Credit Card Disputes, Fraud & Security

Simple answers about card safety and problem solving

What should I do if I lose my card?
Block it immediately using iMobile app, internet banking, calling customer service, or visiting an ICICI branch. Then ask for a replacement card.
What if I see unknown transactions after losing my card?
You can report them, but you might be responsible for transactions that happened before you blocked your card.
What should I know before traveling to risky countries?
Tell the bank you’re traveling, turn on only needed card features, watch for alerts, and consider getting a new card when you return.
How do I cancel a complaint I made?
Call customer service or email them with last 4 digits of your card and ask to cancel your complaint.
What documents do I need for a transaction complaint?
Fill the dispute form from ICICI website and attach proof like merchant emails, cancellation proof, or other payment receipts.
Why was my card declined for security reasons?
If the bank sees unusual spending, risky location, or wrong OTP entries, they may block it for safety. Call to confirm and unblock.
Can tap-to-pay happen accidentally?
No, your card needs to be very close (4 cm) to the machine, and the shopkeeper must enter the amount first.
What if I see a fake transaction?
Report it immediately. The bank will check and might protect you based on when you reported it. Block your card right away.
What if I tap my card twice by mistake?
Only one transaction will go through, even if you tap multiple times.
How do I block my card?
Use iMobile app, internet banking, call customer service, or visit an ICICI branch to block it instantly.
What should I know for online shopping?
Use secure websites, avoid public Wi-Fi, make sure OTP is on, and never share card details in emails.
Can I temporarily lock my card?
Yes, using iMobile app, internet banking, or calling customer service.
What if my card gets stuck in ATM?
Block it temporarily using iMobile or call customer service, then ask for help or a replacement card.
Can someone else change my card limit?
No, only you can change it after proper verification by the bank.
Can I use one login for all ICICI accounts?
Yes, if your name, birth date, and address match across accounts. Some joint accounts may have special rules.
What should I do when I get my new card?
Sign the back, activate it, set your PIN, and turn on the features you need (online, international, tap-to-pay) in iMobile app.

Note: Always block your card immediately if lost or stolen. Never share card details with anyone.

ICICI Credit Card Miscellaneous

Other common questions about your ICICI Credit Card

Is rent payment fee extra to other website charges?
Yes, ICICI’s 1% rent fee is separate from any website or convenience charges you might pay.
What is IGST on my card statement?
IGST is a government tax on bank charges like interest and fees. It appears on your statement as tax on services.
What is MITC and where can I find it?
MITC means Most Important Terms & Conditions. You can find it on ICICI website in the Credit Card section.
What is an e-Welcome Kit?
A digital welcome pack with card guide, terms, and conditions in PDF format that you can download.
How do I update my email address?
Use iMobile app or internet banking to update your email in the card management section.
Can I get my card delivered to a different address?
Cards go only to your registered address or nearest ICICI branch. You can have family receive it with your letter and their ID.
How much does ICICI charge for rent payments?
ICICI charges 1% + GST on all rent payments made with their credit cards.

Note: Check ICICI website for latest terms and conditions. Most settings can be updated in iMobile app.

ICICI Credit Card Closure

Simple answers about closing your ICICI Credit Card

How do I close my credit card?
Pay all bills, use your reward points first, then call customer service at 1800 1080 or use the ICICI website to request closure.
What should I know before closing my card?
Pay everything you owe first. Use all your reward points before closing – they disappear when you close the card.
How do I request card closure?
Call 1800 1080 from your registered phone, or go to ICICI website > Personal > Cards > Credit cards > Manage Cards > Credit Card Cancellation.

Note: Think carefully before closing your card. Once closed, you lose all reward points and need to reapply if you want a card again.

ICICI Credit Card Concierge Service

Simple answers about your personal assistant services

How do I contact i-Assist?
Call 1800 26 70731 (free from MTNL/BSNL lines) or 022 6787 2016 (normal call charges).
When is travel/medical/emergency help available?
Available 24 hours, 7 days a week, all year round.
What can i-Assist help me with?
Travel bookings, restaurant reservations, event tickets, emergency help, and personal recommendations. Check your card details for what services you get.
What is concierge service?
Like a personal assistant for travel, medical, emergency, and lifestyle needs. Helps arrange services through ICICI’s partners. Available on selected cards.

Note: These services are for selected ICICI cards only. Check your specific card benefits for what concierge services you can use.

ICICI Credit Card CVV and PIN

Simple answers about card security codes and PINs

How do I create or change my online shopping PIN?
Use the iMobile app or internet banking to set up or change your online shopping PIN with simple on-screen steps.
Can main and family cards use the same ATM PIN?
No, each card (main card and family cards) needs its own separate ATM PIN.
When do I need to enter PIN at shops?
In India: usually needed at most shops. Abroad: only if the shop’s machine asks for it.
How do I change my PIN?
Change it in iMobile app, internet banking, or at any ICICI ATM by following the PIN change steps.
Where can I find my CVV number?
For Visa/MasterCard: 3 digits on back signature strip. For American Express: 4 digits on front of card.

Note: Never share your PIN or CVV with anyone. Keep these numbers secret for your card’s security.