ICICI Bank Credit Card EMI

Kai baar ek saath bada payment karna har kisi ke liye aasaan nahi hota. Aise me ICICI Bank Credit Card EMI ka option kaafi kaam aata hai. Iski madad se aap eligible credit card transactions ko chhoti-chhoti monthly installments (EMIs) me convert kar sakte hain, jisse payment manage karna aasaan ho jata hai.

ICICI Bank apne cardholders ko EMI on Call ki suvidha bhi deta hai. Agar aapne ₹1,500 ya usse zyada ka eligible transaction kiya hai, to use iMobile App, Internet Banking, WhatsApp Banking ya doosre available channels ke through EMI me convert kar sakte hain. Is article me ICICI Bank Credit Card EMI se judi eligibility, process aur zaroori baatein aasaan bhasha me batayi gayi hain.

ICICI Bank EMI on Call ke under eligible transactions ko flexible EMI tenure me convert kiya ja sakta hai. Is facility par interest rate up to 1.5% per month (reducing balance basis) ho sakta hai. Iske saath transaction amount par one-time processing fee bhi lagu ho sakti hai. Exact interest rate aur charges transaction, tenure aur bank ki current policy par depend karte hain.

Samay par EMI bharne se repayment history acchi bani rehti hai, jo long term me aapke credit profile ke liye faydemand ho sakti hai.

What is ICICI Bank EMI on Call Facility?

ICICI Bank EMI on Call ek facility hai jiske through aap apne eligible credit card transactions ko Easy Monthly Installments (EMIs) me convert kar sakte hain. Isse ek baar me poora payment karne ke bajay amount ko monthly installments me chukaya ja sakta hai.

Aam taur par ₹1,500 ya usse zyada ke eligible transactions ko iMobile App, Internet Banking, WhatsApp Banking ya Customer Care ke through EMI me convert kiya ja sakta hai. Cash withdrawal, gold purchase aur kuch doosre transactions is facility ke liye eligible nahi hote.

ICICI Bank EMI on Call par 1.5% per month (reducing balance basis) ki interest rate aur transaction amount ka 2% one-time processing fee lagu hota hai. Converted EMI aapke regular credit card statement me hi dikhai deti hai. Samay par EMI bharne se repayment history acchi bani rehti hai, jo long term me credit profile ke liye faydemand ho sakti hai.

Features of ICICI Bank EMI on Call Facility

ICICI Bank EMI on Call ke saath cardholders ko kai useful features milte hain. Neeche is facility ke kuch important features diye gaye hain.

• Easy EMI Conversion: Eligible credit card transactions ko baad me bhi EMI me convert kiya ja sakta hai, jisse ek baar me poora payment karne ki zarurat nahi padti.
• Minimum Transaction Amount: ₹1,500 ya usse zyada ke eligible transactions ko EMI me convert kiya ja sakta hai.
• Flexible Repayment Tenure: EMI repayment ke liye 3 mahine se 24 mahine tak ka tenure choose kiya ja sakta hai.
• Interest Rate: EMI on Call facility par 1.5% per month (reducing balance basis) ki interest rate lagu hoti hai.
• Processing Fee: EMI conversion ke samay transaction amount ka 2% one-time processing fee liya jata hai.
• Eligible Transactions Only: Cash withdrawal, fuel, gambling, jewellery, gold aur 30 din se purane transactions ko EMI me convert nahi kiya ja sakta.
• Monthly Credit Card Statement: EMI amount har mahine aapke regular credit card statement me hi show hota hai. Alag se payment schedule maintain karne ki zarurat nahi hoti.
• Credit Profile: EMI ki installments samay par bharne se repayment history acchi bani rehti hai, jo credit profile ke liye faydemand ho sakti hai.
• Multiple Conversion Options: Eligible transactions ko iMobile App, Internet Banking, WhatsApp Banking ya Customer Care ke through EMI me convert kiya ja sakta hai.
• Customer Support: EMI conversion ya doosri card-related madad ke liye ICICI Bank Customer Care se sampark kiya ja sakta hai.

How to Avail ICICI Bank EMI on Call Facility?

ICICI Bank EMI on Call ki madad se aap eligible credit card transactions ko aasani se EMI me convert kar sakte hain. Neeche alag-alag methods ka process diya gaya hai.

Via iMobile App

• iMobile App me apne login credentials se sign in karein.
• Cards & Forex section me jaakar apna ICICI Bank Credit Card select karein.
• Manage Card option par click karein.
• Convert to EMI option choose karein.
• EMI me convert karne wala eligible transaction select karein.
• Apni pasand ka EMI tenure (3 se 24 mahine) choose karein.
• Details verify karke Submit button par click kar dein.

Via WhatsApp Banking

• Registered Mobile Number se ICICI Bank ke official WhatsApp Banking number par Hi bhejein.
• Menu me All Services > Credit Card Services > Convert Transaction to EMI option select karein.
• Apna credit card aur eligible transaction choose karein.
• Apni pasand ka EMI tenure select karein.
• OTP aur PAN ke last 4 digits enter karke verification complete karein.
• Verification ke baad EMI conversion request submit ho jayegi.

Via Internet Banking

• ICICI Bank Internet Banking account me login karein.
• Cards & Loans section me jaakar Credit Cards option select karein.
• Convert to EMI option par click karein.
• Apna ICICI Bank Credit Card choose karein.
• EMI me convert karne wala eligible transaction select karein.
• Calculate EMI par click karke available EMI plans aur monthly installment check karein.
• Terms & Conditions ko accept karein aur Convert to EMI button par click karke request submit kar dein.

Via 3D Secure / OTP Page

• Online shopping ke dauran, agar transaction EMI ke liye eligible hai, to checkout page par Convert to EMI ka option dikh sakta hai.
• Apni pasand ka EMI tenure (jaise 6, 12 ya 24 mahine) select karein.
• Terms & Conditions accept karein aur Registered Mobile Number par bheja gaya OTP enter karke request submit karein.
• Verification complete hone ke baad bank request process karega aur EMI conversion successful hone par confirmation bhej diya jayega.

Via Customer Care

• ICICI Bank Customer Care par call karke eligible transaction ko EMI me convert karne ki request karein.
• Verification ke liye bank aapse transaction aur account se judi kuch details maang sakta hai.
• Details verify hone ke baad customer care executive EMI conversion process complete karne me madad karega.

Via Missed Call or Transaction Alert SMS

• Agar ICICI Bank ki taraf se missed call ya transaction alert SMS ke through EMI conversion ka option mila hai, to usme diye gaye instructions follow karein.
• Zarurat padne par bank ka representative aapse sampark karke EMI conversion ki process aur available plans ki jankari dega.

Pointers to Remember

EMI conversion request submit karne se pehle in baaton ka dhyan rakhein:

• Minimum Transaction Value: Sirf ₹1,500 ya usse zyada ke eligible transactions ko EMI me convert kiya ja sakta hai.
• Transaction Validity: 30 din se purane transactions ko EMI me convert nahi kiya ja sakta.
• Ineligible Transactions: Cash withdrawal, fuel, gambling, jewellery aur gold se jude transactions is facility ke liye eligible nahi hote.
• Interest Rate & Processing Fee: EMI conversion par 1.5% per month (reducing balance basis) ki interest rate aur transaction amount ka 2% one-time processing fee lagu hota hai.
• Eligibility: EMI conversion ki suvidha sirf eligible transactions aur bank ki current policy ke hisaab se hi available hoti hai.

Are There Any Charges for ICICI Credit Card EMI?

Haan. ICICI Bank Credit Card EMI me transaction convert karne par kuch charges lagu hote hain. EMI conversion ke samay transaction amount ka 2% one-time processing fee liya jata hai. Iske alawa 1.5% per month (reducing balance basis) ki interest rate bhi lagu hoti hai.

Agar aap EMI ko tenure poora hone se pehle close karna chahte hain, to 3% foreclosure fee ke saath applicable interest aur GST bhi dena pad sakta hai. EMI choose karne se pehle sabhi charges aur terms ko ek baar zaroor check kar lena chahiye.

Conclusion

ICICI Bank EMI on Call ki madad se eligible credit card transactions ko aasani se monthly EMIs me convert kiya ja sakta hai. Yeh facility bade payments ko chhoti monthly installments me baantne ka option deti hai. EMI conversion se pehle interest rate, processing fee, foreclosure charges aur eligibility conditions ko samajhna zaroori hai, taaki aap apni zarurat aur repayment capacity ke hisaab se sahi faisla le saken.

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