EMI Facility

No matter how big your next Credit Card purchase, go right ahead. Just contact us and convert your transaction of INR 2,500 or more into EMI.

Here's how you benefit from HELLO-EMI

Pay in parts: Now you don't need to pay back the entire amount upfront when you make big Credit Card purchases. Just enjoy the convenience of paying back in easy EMI.

Reduced interest rate: You enjoy a lower interest rate than the revolving interest rate you would normally pay on your Credit Card. Now convert your transaction into EMI at just Rs. 1.5% p.m. at monthly reducing balance.

HELLO-EMI options: You have the option of converting your transaction of INR 2,500 or more into 3, 6, 12 or 24 months’ EMI.

EMI per Rs. 1000 for each of these tenors is given below:

Note: A onetime Processing Fee of 1.5% or Rs. 150, whichever is higher will be charged to your Credit Card account on the rate of conversion.

Process of Conversion to EMI

• Make a purchase of a minimum of INR 2,500 on your LIC Credit Card
• Convert your purchase to EMI through any of the following channels within 20 days of making the purchase through any of the following channels:
  • Call LIC Cards Customer Support at 1800 419 0064
• EMIs are calculated at an interest rate of only 1.5% per month on monthly reducing balance
• Choose between tenor options of 3, 6, 12 and 24 months
• The EMIs will be charged to the Credit Card account, to make repayment convenient for you
• A one-time Processing Fee of 1.5% or Rs. 150 whichever is higher will be charged to your Credit Card account on the date of conversion.

Terms and Conditions for HELLO-EMI