ICICI Bank
Amazon Pay ICICI Bank Credit Card
The Amazon Pay ICICI Bank Credit Card stands out as one of the most rewarding and hassle-free financial products in the Indian market. By eliminating entry barriers with a lifetime-free model, it democratizes high-value cashback for everyday consumers.
Direct link to the issuer's website. Terms apply — verify current offer with the bank.
Data last updated 18 June 2026.
At a Glance
Annual Fee
Nil
Joining Fee
Nil
Fee Waiver
N/A
Lounge Access
See details
Forex Markup
1.99%
Effective Yield
1% – 5%
Our Take
CreditGully Rating
Based on CreditGully editors' analysis. Not influenced by card issuers.
The Amazon Pay ICICI Bank Credit Card stands out as one of the most rewarding and hassle-free financial products in the Indian market. By eliminating entry barriers with a lifetime-free model, it democratizes high-value cashback for everyday consumers. Its seamless integration into the Amazon ecosystem ensures that rewards are instantly useful, bypassing complex redemption systems or point-valuation math. For frequent shoppers, it is a foundational wallet essential that quietly but consistently delivers genuine value.
What We Like
This card offers incredible value by combining a completely lifetime-free structure with automatic cashback tracking that never expires. It removes all friction from the reward process by depositing earnings directly into your Amazon Pay balance at the end of every billing cycle.
Pros
- ✓The card features zero joining or annual fees for life.
- ✓Prime members enjoy a generous 5% cashback on Amazon India purchases.
- ✓Earnings transfer directly to your Amazon Pay balance without manual steps.
- ✓Accumulated cashback stays securely in your account until you choose to spend it.
- ✓Cardholders receive a 1% fuel surcharge waiver at stations across India.
Cons
- ✗Non-Amazon and non-partner transactions earn a basic 1% cashback rate.
- ✗Users without an active Prime membership receive a lower 3% rate on Amazon purchases.
Get This Card If
- ✓You will maximize your savings with up to 5% cashback on your regular Amazon India purchases.
- ✓You prefer a completely hassle-free, lifetime-free card with no annual fees or hidden spending targets to meet.
- ✓You want your cashback credited directly to your digital wallet without dealing with manual redemption steps or points expiration.
- ✓You frequently order food, book flights, or buy entertainment tickets through websites that accept Amazon Pay at checkout.
Earning & Redemption
How You Earn
| Category | Reward rate | Yield | Cap * |
|---|---|---|---|
Amazon Spends (Prime Members) | 5% Unlimited Cashback | 5.00% | No Upper Cap |
Amazon Spends (Non-Prime) | 3% Unlimited Cashback | 3.00% | No Upper Cap |
Partners Merchants (100+) | 2% Unlimited Cashback | 2.00% | No Upper Cap (on earnings) |
Other Retail Spends | 1% Unlimited Cashback | 1.00% | No Upper Cap |
Excluded Categories | No Cashback | 0.0% | — |
* Category caps shown are based on publicly available card terms. Banks frequently revise caps and rates without notice — always verify current limits directly with the issuer before applying.
Milestone Rewards
| Spend | Benefit | Value | Summary |
|---|---|---|---|
| ₹0 | Joining Bonus | ₹2,000 | Variable welcome rewards for Prime members upon successful card activation. |
Redemption Value
| Channel | Value per point | Verdict |
|---|---|---|
| Amazon Pay Balance | ₹1.00 per point1:1 Ratio | Automatic (Credited to your Amazon account after every billing cycle) |
What You Need to Know
Wallet Load Fee (2026)
A 1% fee applies to third-party wallet loads (Paytm, etc.) of ₹5,000 or more.
Impact: Neutralizes the 1% cashback on wallet loads; best to avoid high-value loads.
Utility Surcharge (2026)
ICICI levies a 1% fee on utility payments exceeding ₹50,000 in a month.
Impact: For bills above ₹50k, the net reward drops from 2% to 1%.
Online Gaming Fee
A 2% fee is now levied on transactions at gaming/gambling platforms (MCC 5816).
Impact: Users will face a net loss if using this card for fantasy sports or rummy platforms.
No-Cost EMI Exclusion
Purchases converted to No-Cost EMI do not earn any cashback points.
Impact: Users must choose between 'Interest Savings' and 'Cashback Rewards'.
Transport Cap (2026)
1% fee on transport merchant categories (Bus/Train) exceeding ₹50,000 per month.
Impact: Heavy commuters booking for large groups will see a drop in net value.
Essential Fine Print
Reward Exclusions
Excluded Transactions: Fuel purchases, EMI transactions, and wallet loading do not earn cashback rewards.
Gold Purchases: Gold and silver purchases on Amazon.in earn a reduced reward rate of 0% to 1% depending on promotional terms.
Welcome Offer
Exclusive Cashback & Discounts
Cashback and Discounts Up to ₹2,000 and One Month EazyDiner Membership
Additional Features
Contactless Payment
Equipped with Chip and PIN technology for contactless 'Tap and Pay' transactions.
No Cost EMI
Availability of no-cost EMI options for 3 and 6-month tenures on Amazon.in purchases.
Amazon Cashback
Unlimited reward points upto 5% on Amazon purchases for Prime customers, 3% for Non-Prime customers.*
Fees & Charges
| Fee Type | Amount / Details |
|---|---|
| Joining Fee | Nil |
| Annual / Renewal Fee | Nil |
| Fee Waiver Threshold | N/A |
| Forex Markup | 1.99% |
| Fuel Surcharge Waiver | 1% surcharge |
Eligibility Criteria
Salaried
Age > 21 years, Monthly Income >= ₹20,000
Self-Employed
Age > 21 years, Monthly Income >= ₹30,000
Ready to apply for Amazon Pay ICICI Bank Credit Card?
Annual fee: Nil
Frequently Asked Questions
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Annual fee
Nil
1% – 5% yield