About Amazon Pay ICICI Credit Card
If you're an avid Amazon shopper, you've probably seen ads for the Amazon Pay ICICI Credit Card. It is marketed as a card that provides excellent rewards on everyday purchases and has become a popular choice in India. But what does it offer, and is it a good fit for your budget? Let us break down everything you need to know.
Fees & Charges
- Joining Fee: ₹0 (Lifetime Free)
- Annual Fee: ₹0 (Lifetime Free)
- Annual Fee Waiver Spends: N/A (No annual fee)
- Add-on Cards: 3 (Charges may vary by user. Please review before applying)
- Forex Markup Fee: 2% + GST
Verdict: The biggest win here is that it's a truly Lifetime Free card with no hidden charges. This makes it a risk-free addition to your financial portfolio.
Welcome & Milestone Benefits
- Welcome Benefits: Welcome rewards worth ₹2,500 for prime and ₹2,000 for non-prime users. (Check the latest offer on Amazon during application)
- Milestone Benefits: N/A. This card focuses on consistent cashback, not spend-based milestones
Cashback & Rewards
- Card Type: Co-branded, Cashback Credit Card.
- Card Network: Visa.
- Best For: Customers who shop frequently on Amazon, Flipkart, Swiggy, Zomato, and other popular online merchants, and pay utility bills
- Cashback on Online Purchases: 5% - 2% cashback on all transactions made through Amazon Pay (like bill payments, recharges, shopping on other sites) and on spends with partner merchants
- Cashback on Offline Purchases: 1% cashback on all other spends, including retail swipe/contactless payments
- Maximum Cashback per Statement Cycle: There's no cashback limit on this card
- Rewards Redemption Options: Cashback is automatically credited to your Amazon Pay Balance every month
Important: The star benefit is 5% cashback for Prime members on Amazon purchases. Non-Prime members get 3%. This is the card's killer feature for Amazon loyalists.
Lounge Access
- Domestic Lounge Access: Nil
- International Lounge Access: Nil
Category Spend Benefits
- Online Shopping: 5% (Prime) / 3% (Non-Prime) on Amazon. 2% / % on other major platforms (Flipkart, Swiggy, etc.) via Amazon Pay
- Food and Grocery: 5% on Amazon Fresh. 2% / 1% on Swiggy, Zomato, BigBasket, etc., via Amazon Pay. 1% on direct offline grocery swipes
- Travel Booking: 5% on Payments made towards booking of flights and hotels on Amazon
- Utility Bill Payments: 2% cashback on electricity, gas, water, DTH, and mobile recharges done via Amazon Pay
- Fuel: Fuel surcharge waiver of 1% across all eligible fuel outlets in India
- Insurance: 1% / 2% on Amazon
- Education: Nil
- Rent: Nil
- Wallet Load: 2% Cashback Amazon Pay Wallet Load. Do check for applicable charges (3 Times during a month)
- Government Payment: Nil
- Gift Card Purchase: 2% on Amazon
Membership & Subscription
- Amazon Prime User Benefits: The major differentiator 5% cashback on Amazon purchases vs. 3% for non-Prime users. Effectively, the card pays for your Prime membership if you shop enough
- Non-Prime User benefits: Still a solid card with 3% back on Amazon and 2% on partner categories
Excluded Categories
Cashback is NOT offered on:
- All EMI transactions
- Amazon Business purchases
- Physical or digital gold purchases on Amazon
- Rent, tax, education, and utility payments (on or off Amazon)
- International transactions outside Amazon
Why Choose Amazon Pay ICICI Credit Card?
- Zero Cost, High Value: Lifetime free with no annual fee, making it a no-brainer
- Amazon Shopper's Paradise: If you have Prime, the 5% cashback on Amazon is unbeatable
- Everyday Rewards: Excellent for utility bills, food orders, and other online spends via Amazon Pay, earning a flat 2%
- Decent Offline Coverage: Earn 1% on all other spends, which is decent for a free card
- Simple & Flexible Cashback: Cashback is credited as Amazon Pay balance, which can be used for virtually anything on Amazon or for bill payments
Who is eligible for the Amazon Pay ICICI Credit Card?
- You must be an Indian resident aged 18+
- You need an existing Amazon account with a good purchase history
- Eligibility is based on ICICI Bank's internal credit assessment. It is primarily offered on an invitation-only basis to select Amazon customers, though many users find the invite on their Amazon app homepage
- A good credit score increases your chances of approval
Is the Amazon Pay ICICI Credit Card worth applying for?
The Amazon Pay ICICI Credit Card does not include luxuries such as airport transfers or golf games. It's a practical cashback workhorse created for the digital Indian consumer. If you spend a significant amount of money online, particularly on Amazon, you should definitely keep this card in your wallet. For frequent international travel or offline purchases, you may want to combine it with another card.