ICICI Bank Credit Card Loan

ICICI Bank Personal Loan on Credit Card Highlights
Interest rate	13% p.a. onwards
Loan amount	Up to Rs 20 lakh
Repayment tenure	Up to 5 years
Processing fee	1% of the loan amount + applicable taxes
Documentation	Not required with end-to-end digital process
Funds Disbursement	To any savings account for Non-ICICI Bank Savings Account holders

Note: Interest rates as of 23 June 2025.

ICICI Credit Card Loan Interest Rate

The bank charges interest rates of 13% p.a. onwards on ICICI Credit Card Personal Loan. The final interest rates offered would depend on various factors such as credit score, repayment capacity, etc of the customer.

ICICI Credit Card Loan Fees and Charges

Processing Charges

Personal Loan on Credit Card: 1% of the loan amount plus applicable taxes.

Types of ICICI Credit Card Loan

EMI on Call

ICICI Bank offers an EMI facility on credit cards labeled as ‘EMI on Call’ where customers can make purchases and pay for them in easy EMIs for tenures of 3,6,9,12,18, and 24 months.

Features of EMI on Call Facility:

• Customers can convert transactions of Rs 1,500 and more into EMIs through iMobile Pay app, ICICI Bank Customer Care and Internet Banking under the ‘EMI on Call’ facility. The OTP page/3D Secure page allows transactions of Rs 3,000 and more for conversion into EMIs under the ‘EMI on Call’ facility.
• Customers can convert up to 5 transactions of minimum Rs 1,500 into EMI at once through iMobile Pay app and Internet Banking.
• Customers can convert their transactions into EMIs by paying an interest rate of 1.5% per month on a monthly reducing balance basis to enjoy lower interest rates than the revolving rate they would normally pay on their ICICI Bank Credit Card.
• Customers cannot convert transactions older than 30 days into EMIs.
• Customers cannot convert fuel, gold or jewelry purchases and cash transactions into EMIs.
• ICICI Bank charges a one-time processing fee of 2% of the transaction value at the time of EMI conversion.

Personal Loan on Credit Card

It is an ICICI Bank Credit Card Loan that only select ICICI Bank Credit Card customers can avail depending on their transaction pattern, spends and payment history.

• Interest Rate: 13% onwards p.a.
• Loan amount: Up to Rs 20 lakh
• Repayment tenure: Up to 5 years

How to Apply for ICICI Credit Card Loan

Mentioned below are the ways to apply for ICICI Bank Credit Card Loan:

For ICICI Bank Personal Loan on Credit Card

Customers can apply for ICICI Loan on Credit Card through below-mentioned ways:

• Login to your Internet Banking Account or iMobile and apply in Credit Card section
• Customers can also call the ICICI Bank Customer Care
• Give a missed call on 08045936070

For ICICI Bank EMI on Call:

Customers can apply for ICICI Bank EMI on Call through below-mentioned ways:

Through Internet Banking:

• Step 1 : Log into ICICI Bank Internet Banking
• Step 2 : Go to Credit Cards under the ‘Cards & Loans’ section and click on ‘Convert to EMI’
• Step 3 : Choose the card and click on ‘Submit’
• Step 4 : Select the transactions, click on calculate EMI, select EMI tenure and acknowledge on T & C and click on ‘Convert to EMI’.

Through iMobile Pay:

• Step 1: Log in to ICICI Bank iMobile app
• Step 2: Go to the ‘Cards’ section.
• Step 3: Select your Credit Card
• Step 4: Click on ‘Convert to EMI’ on the eligible transactions in the ‘Recent Transactions’ section.
• Step 5: Choose a convenient tenure for the EMIs and click on ‘Submit’.

Through call:

Customers can call on the ICICI Bank customer care number- 1860 120 7777 or give a missed call on 9537667667 from their registered mobile number. On receiving the request through a missed call, ICICI Bank’s representative will call the customer at the earliest.

Eligibility of ICICI Bank Personal Loan on Credit Card

The customers are required to have a good CIBIL score, payment history, transaction pattern, good track record with ICICI Bank with respect to their Credit Card spends. The eligibility criteria, however, depends on the internal policies of the bank.

ICICI Bank Personal Loan on Credit Card Documents Required

The bank does not require any documentation from customers availing ICICI Bank Credit Card Loan as it is a pre-approved credit card loan provided to select customers of ICICI Bank Credit Card.

FAQs

What is the interest rate for ICICI Credit Card Loan?

Ans: ICICI Bank offers loan against credit card at interest rates of 13% p.a. onwards.

What is the time taken for ICICI Credit Card Loan disbursal?

Ans: ICICI Credit Card Loan amount is disbursed in the card holder’s savings account within 24 hours of approval. The demand draft or NEFT process may take 5 to 7 business days.