ICICI Bank Debit Card EMI

ICICI Bank offers the EMI on debit card facility to its customers. This facility allows ICICI customers to convert their high value transactions into easy instalments. Customers need to simply choose a product at the merchant store and pay using the EMI option on their debit card. However, the list of merchants on which the facility is available is subject to change by the bank.

The debit card EMI facility is also available on various online platforms such as Flipkart, Amazon, Paytm (mobile app and website), and MakeMyTrip. ICICI customers may also get lucrative offers on their purchases using the debit card EMI option, but these offers may also change from time to time as per the bank’s discretion.

ICICI debit card EMI option is easy to use as there is zero documentation involved. Customers need not deposit any security or make a down payment to make the purchase. The facility also allows customers to choose from 3, 6, 9 and 12 months flexible tenure options as per their repayment requirements.

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Note: The fees and charges are updated as of September 2025.

You can check your eligibility for EMI on ICICI debit card by sending the following SMS from your registered mobile number.

SMS DCEMI_xxxx (last four digits of yourdebit card) to 5676766.

• The merchants associated with ICICI Debit Card EMI may vary from time to time. Furthermore, the merchant can discontinue the service at any moment.
• All fees, interests, and charges associated with debit card EMI facility are subject to taxes. The tax computation may be modified in accordance with guidelines issued by the Government of India.
• The processing fee payment is non-refundable.
• Customers eligible for this service will see this option on the payment page during checkout for online transactions

Q. Is my ICICI debit card eligible for EMI?

You can check if your ICICI bank debit card is eligible for EMI via SMS banking by sending and SMS with text DCEMI<space><last 4 digits of Debit Card number> to 5676766. The EMI limit may vary across all card holders and may be dependent upon your income and financial history as traced by the bank.

Q. What is an ICICI Bank Debit Card EMI?

ICICI Bank’s debit card EMI is a facility offered by the bank to its customers. This service allows debit cardholders to make bigger purchases, even if they do not have sufficient funds in their account. By using the debit card EMI option, customers can choose to pay monthly instalments for 3, 6, 9 or 12 months as per their convenience.

Q. How can I check my eligibility for ICICI Bank Debit Card Facility?

If you are eligible to avail the ICICI Bank Debit Card facility, the option will appear on the payment page when you checkout for online transactions. However, you can also check if you are eligible for ICICI debit card EMI by sending DCEMI_xxxx(last four digits of your debit card) as SMS to 5676766 from your registered mobile number.

Q. How can I check my ICICI Bank Debit Card EMI limit?

SMS DCEMI<space><last 4 digits of Debit Card number> to <5676766> to check your ICICI debit card EMI limit.

Q. How can I pay EMI on ICICI debit card?

Follow these steps to make ICICI debit card EMI online. (i) Select the type of debit card using which you want to make the payment (ii) Enter your 16-digit loan number twice (iii) Enter the amount outstanding and click “Pay Now” (iv) Enter the authentication code and confirm payment. On completing these steps, you will receive an online confirmation.

Q. Can I close my debit card EMI early?

You can close your debit card EMI early, but the bank may incur pre-payment charges for the same. You may also pay off the interest on a pro-rata basis.

Q. What is the processing fee for ICICI debit card EMI?

The processing fee for ICICI debit card EMI is Rs. 199 plus GST.