Amazon Pay ICICI Bank Credit Card
The Amazon Pay ICICI Bank Credit Card offers Amazon Prime members 5% unlimited cashback on Amazon.in purchases and 3% for non-Prime users
Cashback Fit Score
96/100
Joining Fee
Free
Annual Fee
Free
Reward Rate (%)
1 – 5
Statement credit
Forex Markup
1.99%
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CardCheck Rating & Score
Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.
Reward Power
34/35
Fee Value & ROI
25/25
Lounge & Perks
4/20
Forex & Access
14/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →
Amazon Pay ICICI Bank Credit Card Benefits
Amazon Pay ICICI Bank Credit Card Rewards
How you earn back on every swipe
cashback
Reward type
1% – 5%
Earn rate
Amazon Pay ICICI Bank Credit Card Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other statutory charges are detailed in the official Most Important Terms and Conditions (MITC).
Amazon Pay ICICI Bank Credit Card Lounge Access
Airport perks included with this card
0 per quarter
Domestic lounge visits
0 per year
International lounge visits
Card Features
🎉 Zero Annual Fee — 100% Net Profit
Amazon Pay ICICI Bank Credit Card has no recurring renewal charges. Every rupee of rewards and cashback you earn is pure profit with zero spend hurdles.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
Amazon Pay ICICI Bank Credit Card Eligibility
Employment type
Invite only — You typically need an existing relationship with ICICI Bank to get this card.
Pros & Cons
- One of the best lifetime free cashback cards in India
- Excellent value for frequent Amazon and Prime users
- Simple cashback structure with no reward point conversion hassles
- Unlimited cashback with no category activation required
- Cashback auto-credits directly to Amazon Pay balance
- Strong returns on Amazon shopping, travel bookings, and bill payments via Amazon Pay
- Low 1.99% forex markup makes it better for international spends than most entry-level cards
- Easy approval journey for existing ICICI customers
- No airport lounge access benefits
- Rewards are heavily centered around Amazon ecosystem usage
- 1% base cashback is average for offline spending
- Cashback redemption is locked to Amazon Pay balance, not bank transfer
- Many categories are excluded from cashback (fuel, rent, taxes, education, utilities, wallet loads, etc.)
- Limited travel and lifestyle benefits compared to premium cards
Who is this card for?
Amazon Prime subscribers who shop on Amazon.in regularly. Also excellent for anyone who uses Amazon Pay at partner merchants. The zero annual fee makes it risk-free as a primary or secondary card.
Quick Links
Data last updated 25 Aug 2026
Calculate your exact earnings with Amazon Pay ICICI Bank Credit Card
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your estimated net return after fees, reward caps and exclusions.
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