Amazon Pay ICICI Credit Card is a lifetime free card co-launched by ICICI Bank and Amazon India, specifically for those who shop online often. The card rewards customers straight away in the form of cashback as Amazon Pay balance, which can be used immediately on Amazon and its 100+ merchant partners. It provides 5 percent cashback for Amazon Prime members, 3 percent for regular members, 2 percent on Amazon Pay partner transactions, and 1 percent cashback on all other spends. With no joining or annual fee, no minimum transaction requirement for cashback, and unlimited reward earnings with no expiry, this card is one of the most effective, low-maintenance credit cards for online shoppers. It also provide waiver of fuel surcharge, free EMI on Amazon shopping, and an end-to-end digital onboarding, which makes it extremely useful and rewarding option for any individual who is regular user of amazon.
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Welcome Benefits
In contrast to most credit cards with restricted-time joining rewards, the Amazon Pay ICICI Credit Card does not include a conventional welcome gift or bonus. Nevertheless, the lifetime-free model itself is an attractive welcome feature, as users get to benefit fully from day one without any charges.
Shopping Benefits
The Amazon Pay ICICI Credit Card is the best option for online buyers, especially those who shop a lot on Amazon.in. Prime customers get the highest reward rate of 5 percent cashback on all Amazon shopping, while others get 3 percent. This card is very good due to its cashback model, rewards come as Amazon Pay balance, credited directly, and can be utilised immediately by Amazon and its partner merchants. Also, one of the largest benefits is that cashback is applicable even on EMI transactions on Amazon, which is not common among credit cards. This attract users to do more expensive purchases using no-cost or regular EMI can still get cashback, so big-ticket shopping becomes even more rewarding. For all other purchases, including grocery, dining and utility bill payments the card offers 1% cash back with no minimum transaction amount or maximum limit. The entire process is automated and convenience-driven, requiring no manual reward redemption, providing a seamless and value-loaded shopping experience.
Travel Benefits
Mainly the Amazon Pay ICICI Credit Card is mainly targeted as a cashback card for daily usage, it also provides average benefits while traveling. Customers can get 1 percent cashback on over travel-related transactions, including flight ticket bookings, accommodation at hotels, and cab rides booked online or through travel agents. If travel bookings are directly made on Amazon say, flights or bus tickets that one books on the Amazon app Prime members still get 5 percent cashback, and non-Prime members get 3 percent, just like on any other Amazon purchase. While it doesn’t provide luxury benefits such as free hotel stays, travel protection, or concierge services, the card is still beneficial for regular travelers seeking to earn cashback on their travel expenses, particularly when booked through Amazon.
Lounge Access
The Amazon Pay ICICI Credit Card does not provide free access to airport lounges. Because the card centers on cashback rewards over upgraded travel benefits, lounge access is not provided. For customers interested in lounge access, reviewing cards of a higher tier such as ICICI Coral or Sapphiro might prove more beneficial.
Reward Points Structure and Redemption
The Amazon Pay ICICI Credit Card features a simple cashback system, making it easy for customers to collect and redeem rewards. Cashback is redeemed as Amazon Pay balance, which can be used directly on Amazon or with Amazon Pay partner merchants.
- 5 percent cashback on Amazon purchases for Prime members.
- 3 percent cashback on Amazon spends for regular members.
- 2 percent cashback on Amazon Pay partner spends like Swiggy, BookMyShow, and Yatra.
- 1 percent cashback on every other spend such as groceries, fuel, restaurants, and electricity bills.
The best part is that there is no cashback cap, and it gets credited automatically within 48 hours after the end of the billing cycle. Unlike some other cards in which you have to manually redeem your reward points, the cashback on Amazon Pay ICICI Credit Card gets credited instantaneously and there is no expiration date, offering a seamless and continuous reward experience.
Amazon Pay ICICI Credit Card Charges
| Fee Type | Charges |
|---|---|
| Joining Fee | Nil |
| Annual Fee | Nil |
| Late Payment Fee | – ₹0 (below ₹100) – ₹100 (₹100 to ₹500) – ₹500 (₹501 to ₹5,000) – ₹750 (₹5,001 to ₹10,000) – ₹900 (₹10,001 to ₹25,000) – ₹1,000 (₹25,001 to ₹50,000) – ₹1,200 (Above ₹50,000) |
| Cash Advance Fee | 2.50% of the advance amount (minimum ₹300) |
| Overlimit Fee | 2.50% of the overlimit amount (minimum ₹500) |
| Foreign Currency Transaction Fee | 3.50% markup on the transaction amount |
| Duplicate Statement Request Fee | ₹100 (for statements older than 3 months) |
| Card Replacement Fee | ₹100 |
| Cash Payment at Branch Fee | ₹100 per transaction |
| Charge Slip Request Fee | ₹100 per slip |
| Outstation Cheque Processing Fee | 1% of the cheque value (minimum ₹100) |
| Fuel Surcharge | 1% waiver on transactions between ₹400 and ₹4,000 at petrol pumps |
Amazon Pay ICICI Credit Card Eligiblity Criteria
| Criteria | Details |
|---|---|
| Age | 23 years to 60 years |
| Income | Minimum monthly income of ₹20,000 (subject to credit profile) |
| Credit Score | Minimum 750 (recommended for better approval chances) |
| Documents Required | Examples |
|---|---|
| Identity Proof | Aadhar card, Passport, Voter ID, Driver’s license |
| Address Proof | Utility bills, Aadhar card, Passport, Rent agreement |
| Income Proof | Recent salary slips, Bank statements, ITR (for self-employed) |
| Photograph | Recent passport-sized photograph |
| KYC Documents | Standard KYC documents as required by the bank |
Amazon Pay ICICI Credit Card Review – My Thoughts
The Amazon Pay ICICI Credit Card is a good option for regular Amazon shoppers. With 5 percent cashback deposited to your Amazon Pay account, it offers gives immediate cashback without the mannual reward redemptions. The fact that the card is absolutely free for life, with no joining fee and no annual fees, only contributes to its overall value, making it an excellent choice for shoppers on a budget. One of the most convenient aspects is that even EMI payments on Amazon are cashback eligible, which really boosts its usage for high-value purchases.
But it’s worth mentioning that this card is not ideal for spending on sites such as Flipkart or other non-Amazon merchants, since the cashback reduces to only 1 percent. It also does not have specific travel benefits, airport lounge access, or lifestyle benefits, which restricts its usability for regular travelers or high-end users.
In summary, this card is perfect for Amazon users who desire maximum cashback without paying any annual fees. However, for those who spend more on other platforms or need a card with more lifestyle features, it may not be the best option.
Peoples Review
The Reddit post emphasizes that the Amazon Pay ICICI Credit Card is an excellent zero-fee choice for frequent Amazon shoppers, with 5% cashback on Prime members and hassle-free cashback crediting to Amazon Pay balance. It’s liked for its ease of use, no joining/annual fees, and cashback on EMI transactions. please note it’s not suitable for non-Amazon usage because of lower rewards and absence of travel or lifestyle rewards. It’s a very good choice for Amazon-specific usage overall.
Frequently Asked Questions (FAQs)
- Are there any annual or joining charge for the Amazon Pay ICICI Credit Card?
No, the card is free for life. There are no joining and annual charges imposed on the user. - Is it possible to earn cashback on EMI purchases made through Amazon?
Yes, based on user reviews and current offers, EMI transactions on Amazon made with this card are cashback eligible, including no-cost EMI purchases. - How is cashback given and where can I spend it?
Cashback is given as Amazon Pay balance in a few days after your billing cycle. You can spend it to shop on Amazon or with Amazon Pay partner merchants. - Do I have any advantages when shopping on other platforms like Flipkart or Myntra?
No special rewards are offered for non-Amazon platforms. You will receive just 1 percent cashback on such purchases. - Is this card ideal for travel-related rewards or lounge access?
No, the Amazon Pay ICICI Credit Card does not have any travel benefits or lounge access. It is primarily meant for cashback on Amazon and daily expenses.
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