ICICI Bank Amazon Pay Credit Card
The ICICI Bank Amazon Pay Credit Card is a great option for Amazon Prime members, offering 5% cashback on all Amazon purchases with no limits. Since it has no annual fee, it's perfect for those who shop frequently on Amazon and have a ₹1,499/year Prime membership. With a wide range of products, including groceries, electronics, and home essentials, Prime users can save a lot with this card. Non-Prime users also get benefits, with 3% cashback on Amazon purchases and 1% cashback on all other spending.
This card, launched by ICICI Bank in partnership with Amazon India and powered by Visa, is popular among online shoppers. Cashback is credited as Amazon Pay balance, making it easy to use for future purchases. Prime members also get an extra perk - 15% off at select restaurants through ICICI Bank's Culinary Treats program.
Rewards and Benefits
Fees & Charges
What should you consider before applying for a credit card in India?
Key Considerations Before Applying for a Credit Card in India:
- Eligibility Criteria: Ensure you meet the eligibility requirements, which typically include age, income, credit score, and employment status as defined by the issuing bank or financial institution.
- Credit Score: A strong credit score can significantly improve your chances of approval and result in more favorable terms, such as lower interest rates or higher credit limits. Verify that your credit score is healthy before applying.
- Interest Rates and Fees: Compare the annual percentage rates (APR), processing fees, late payment penalties, and foreign transaction charges associated with various cards. These costs can vary widely and impact the overall value of the card.
- Rewards and Benefits: Evaluate the rewards, cashback, discounts, or other perks offered by the card to ensure they align with your spending patterns. Some cards may provide better benefits in specific categories, such as travel, shopping, or dining.
- Credit Limit: Review the credit limit offered by the card to ensure it meets your financial needs. Avoid applying for cards with excessive limits if you are concerned about managing debt, as this can lead to higher interest charges.
- Repayment Terms: Understand the repayment structure, including the minimum payment amount, payment due dates, and any associated penalties. Being clear about these terms can help you manage payments effectively and avoid interest buildup.
- Card Type and Features: Choose a card type that matches your specific needs—whether standard, premium, or specialized cards like those offering travel rewards or dining privileges. Ensure the features of the card align with your lifestyle and spending habits.
- Bank’s Reputation: Opt for a financial institution with a proven reputation for customer service and transparency. Consider researching customer reviews and assessing their support channels to ensure reliable service.
- Hidden Charges: Be aware of any hidden fees, including annual fees, balance transfer charges, foreign transaction fees, or cash withdrawal charges. These can add up over time and affect the overall cost-effectiveness of the card.
- Credit Utilization: Maintain a balance within your credit limit to avoid high credit utilization ratios, which can negatively impact your credit score. Responsible use of credit is essential for maintaining financial health.
- Long-Term Financial Plans: Consider how the credit card fits into your overall financial strategy. Avoid accumulating unnecessary debt and choose a card that supports your long-term financial goals without adding financial strain.
ICICI Amazon Pay Credit Card – Features and Benefits
The ICICI Bank Amazon Pay Credit Card is mainly designed for people who shop online, especially on Amazon. It is a lifetime free credit card and offers cashback instead of reward points. The cashback is directly credited to your Amazon Pay balance, making it simple and easy to use.
Joining Benefits Overview
The card offers welcome benefits worth approximately ₹2,500.
These may include:
- Cashback on prepaid and postpaid recharges
- Cashback on electricity, DTH, and broadband bills
- Cashback on gas cylinder bookings
- One-month Eazy Diner membership
- Discount on Amazon Prime membership (for non-Prime users)
Cashback on Amazon Purchases
This card gives its highest rewards on Amazon shopping.
For Prime Members
- 5% unlimited cashback on eligible Amazon purchases (excluding gold and EMI transactions).
- 5% unlimited cashback on flight and hotel bookings on Amazon.
For Non-Prime Members
- 3% unlimited cashback on eligible Amazon purchases (excluding gold and EMI transactions).
- 3% cashback on flight and hotel bookings on Amazon.
Additional Benefits (Both Users)
- 2% cashback on bill payments and recharges.
- 2% cashback on Amazon gift cards and e-books.
Cashback is unlimited for eligible Amazon categories.
Reward Redemption Process
- Cashback is automatically added to your Amazon Pay balance.
- 1 Reward Point = ₹1
- No manual redemption is required.
- The balance can be used on Amazon or partner merchants accepting Amazon Pay.
Fuel Surcharge Waiver
- 1% fuel surcharge waiver across India
- Applicable only if the transaction amount is up to ₹4,000
Important Spending Exclusions
- Gold, silver, and precious metals
- Tax payments
- Rent payments
- EMI transactions on Amazon
- Fuel purchases
- International transactions (from October 11, 2025, no cashback on international and education transactions)
ICICI Amazon Pay Credit Card Features
| Category | Key Details |
|---|---|
| Card Type | Lifetime free credit card |
| Reward System | Cashback credited to Amazon Pay balance |
| Highest Cashback | Up to 5% (Prime users) on Amazon |
| Base Cashback | 1% on other eligible spends |
| Reward Value | 1 Reward Point = ₹1 |
| Cashback Limit | Unlimited on eligible Amazon spends |
| Fuel Benefit | 1% surcharge waiver (up to ₹4,000 per transaction) |
| Best For | Frequent Amazon shoppers |
| Not Ideal For | Users seeking travel benefits or lounge access |
Who Should Choose This Card?
- Regular Amazon shoppers
- Amazon Prime members
- Users who prefer simple cashback
- People looking for a lifetime free credit card
If most of your spending happens on Amazon, this card can provide strong value.
Who May Not Benefit Much?
- Frequent travelers
- Users looking for airport lounge access
- People who want air miles or travel rewards
- Users who spend mostly outside Amazon
ICICI Bank Amazon Pay Credit Card Review
The ICICI Bank Amazon Pay Credit Card is a simple, lifetime free credit card focused on Amazon shopping. It offers up to 5% unlimited cashback for Prime members and 3% for non-Prime users on eligible purchases. Cashback is automatically credited to your Amazon Pay balance and can be used easily for future spending.
If your main goal is to earn cashback on Amazon purchases with a straightforward system, this card can be a strong option.
Is the Amazon Pay ICICI Credit Card a Visa card?
It’s a Visa credit card offered by ICICI Bank in partnership with another brand.
What are the benefits for non-Prime users?
Non-Prime users get up to 3% cashback on Amazon purchases.
Do the reward points expire?
No, your rewards do not expire and can be used anytime.
How do I use my cashback?
Your cashback is credited as Amazon Pay Balance within two working days after the last statement date and can be used for transactions on Amazon and Amazon Pay.
What's the way to clear my credit card payment?
Visit the official website, click ‘Credit Card Bill,’ enter the required details, and select your payment method.
Can I use this card outside Amazon?
Yes, it is accepted across India and not limited to Amazon purchases.
How can I check my credit card application status?
Call ICICI customer care at 1800 102 0123 from your registered mobile number.
Are there any dining benefits?
You can enjoy a 15% discount when you dine at selected restaurants that are part of the ICICI Bank Culinary Treats program.
Can I link this card to my Amazon account?
Yes, you can add it by going to ‘Payment options’ on Amazon and selecting ‘Add a new card.’
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