Amazon Pay ICICI Bank Credit Card

Key Features & Benefits

The Amazon Pay ICICI Bank Credit Card is designed for frequent Amazon shoppers and digital payment users seeking maximum cashback and seamless rewards. Prime members enjoy an impressive 5% cashback on all Amazon purchases, while non-Prime members get 3% cashback, maximizing savings on essential and lifestyle spends. Beyond Amazon, the card offers 2% cashback on over 100 Amazon Pay partner merchants, such as dining, groceries, and bill payments, making it a versatile choice for everyday expenses. All other spends earn a steady 1% cashback, ensuring users get rewarded on nearly all transactions.

This card comes with zero joining and annual fees, making it a cost-effective option for budget-conscious users. Cardholders also enjoy 8 complimentary domestic airport lounge visits annually, ideal for frequent travelers who want added comfort without extra cost. The card supports easy digital transactions and bill payments, perfect for millennials and urban professionals looking for hassle-free financial management combined with powerful cashback rewards. With no hidden costs and cashback credited monthly as Amazon Pay Balance, this card is a top pick for those deeply integrated into the Amazon ecosystem.

All You Need to Know About: Amazon Pay ICICI Bank Credit Card

The Amazon Pay ICICI Bank Credit Card is a Visa card issued by ICICI Bank with no joining or annual fees, making it a lifetime free card. It offers 5% cashback on Amazon purchases for Prime members and 3% for non-Prime members. The card provides 2% cashback on transactions made with over 100 Amazon Pay partner merchants and 1% cashback on all other spends. Cashback is credited monthly as Amazon Pay Balance, which can be used on Amazon.in and partner merchants without expiry. The card offers 8 complimentary domestic airport lounge visits annually, subject to a minimum quarterly spend of ₹75,000. The minimum income eligibility is ₹3,00,000 per annum for salaried and self-employed individuals. Interest rates on unpaid balances range from 3.5% to 3.8% per month. Foreign transactions attract a 3.5% currency markup fee. Additional fees include cash withdrawal fees of 2.5% or ₹500 minimum, late payment fees up to ₹750, and overlimit fees at 2.5% of the excess amount. This card is ideal for frequent Amazon shoppers, Prime members, digital payment users, and urban professionals looking for cashback and lifestyle perks without any fees. Application is done online through the ICICI Bank or Amazon Pay websites.

Pros & Cons

How to Apply

1. Visit the official ICICI Bank website or Amazon Pay website.

2. Navigate to the ‘Credit Cards’ section and select the Amazon Pay ICICI Bank Credit Card.

3. Click on “Apply Now” and fill in your personal and financial details as required.

4. Submit the documents online; once approved, you will receive a digital card immediately, followed by the physical card delivered to your address.

Detailed Fee Structure

The Amazon Pay ICICI Bank Credit Card has no joining or annual fees, making it a lifetime free card. Finance charges on unpaid balances range from 3.5% to 3.8% per month (42% to 45.6% per annum). Cash withdrawal incurs a fee of 2.5% of the withdrawn amount or ₹500, whichever is higher, with interest charged from the withdrawal date. Late payment fees vary by outstanding amount, from nil for dues below ₹100 up to ₹750 for amounts over ₹10,000. Overlimit fees are 2.5% on the exceeding amount, minimum ₹500. Foreign currency transactions incur a 3.5% markup fee. Card replacement fee is ₹100. Cashback earned has no expiration and is credited as Amazon Pay Balance usable on Amazon and partner merchants. There are no hidden fees, ensuring full transparency for users.

Who Should Get This Card?

The Amazon Pay ICICI Bank Credit Card is best for frequent Amazon shoppers, especially Prime members, seeking high cashback rewards on online purchases. It suits digital-savvy millennials and urban professionals who frequently use Amazon Pay partner merchants for groceries, dining, and bill payments. Ideal for users wanting a no-annual-fee card with seamless cashback credited as Amazon Pay Balance. Less suited for heavy international travelers due to foreign exchange fees. Perfect for those looking to maximize savings on everyday spends with convenient digital transaction benefits.

Alternatives & Competitor Comparison

Feature	Amazon Pay ICICI Bank	Axis Bank My Zone Credit Card
Card Image
Card Network	Visa	Mastercard, RuPay, Visa
USP	The Amazon Pay ICICI Bank Credit Card delivers unbeatable cashback benefits with 5% for Amazon Prime members, 3% for non-Prime members on Amazon purchases, and 2% cashback at over 100 Amazon Pay partner merchants, maximizing savings on everyday online shopping.	Axis Bank My Zone Credit Card is designed for lifestyle-savvy users who want maximum savings on dining, streaming subscriptions, bill payments, and online orders. Enjoy exclusive cashback offers, reward points on everyday spends, and hassle-free UPI transactions, making it a smart choice for millennials and frequent spenders seeking convenience and value.
Annual Fee	N/A	500 Lifetime free for select channels
Joining Fee	N/A	500 Lifetime free for select channels
Welcome Benefits	N/A	Complimentary SonyLiv Premium annual subscription worth ₹1,499 on your first card transaction within 30 days of issuance
Lounge Access	Domestic: 2 per quarter On spends of ₹75,000+ in the last 3 months	Domestic: 1 per quarter On spends of ₹50,000+ in the last 3 months
Reward Rate	5% cashback on Amazon for Prime members, 3% cashback on Amazon for non-Prime, 2% cashback on 100+ Amazon Pay partner merchants, and 1% cashback on all other spends	Earn 4 EDGE reward points for every ₹200 spent (reward rate ~0.4%).
Interest Rate	Approximately 3.5% to 3.8% per month (42% to 45.6% per annum)	3.75% per month (equivalent to approx. 46.78% per annum) on unpaid amounts and cash advances.
Best For	Online Shopping	Food Ordering, Movies
Apply Now	Apply Now	Apply Now

Frequently Asked Questions