ICICI Bank
Amazon Pay ICICI Bank Credit Card
A lifetime-free cashback card built around Amazon and Amazon Pay.
Best forFrequent Amazon shoppers, especially Prime members, who prefer automatic cashback over reward points.
- Annual fee
- No annual fee
- Base cashback
- 1%
- Forex markup
- 1.99%
Credofly Verdict
Is this card a good fit?
Amazon Pay ICICI remains one of the simplest no-fee cashback cards for regular Amazon users. Prime members get the strongest value through eligible Amazon purchases, while the unlimited 1% base cashback keeps the card useful elsewhere. It is less compelling for travel perks or premium lifestyle benefits.
What works well
- No joining or annual fee
- 5% cashback on eligible Amazon purchases for Prime members
- Unlimited 1% base cashback on eligible spends
- Automatic Amazon Pay credit
- Simple reward structure
Consider before applying
- Best returns are concentrated around Amazon
- No meaningful premium travel proposition
- Cashback exclusions apply to several transaction categories
- Invitation-based eligibility
Rewards
How rewards work
- Reward type
- Cashback
- Reward currency
- Amazon Pay balance
- Base earn
- 1 Amazon Pay balance per ₹100
- Base reward rate
- 1%
- Point value
- ₹1.00 per point
- Expiry
- No expiry
Base rewards
Earn 1% unlimited cashback on eligible spends outside the accelerated Amazon and Amazon Pay categories.
Accelerated rewards
Prime members earn 5% on eligible Amazon purchases and non-Prime members earn 3%. Earn 2% on eligible Amazon Pay partner and specified Amazon Pay transactions.
Redeeming rewards
Cashback is automatically credited as Amazon Pay balance after the billing cycle. There is no manual points conversion or minimum redemption requirement.
Reward exclusions
Cashback exclusions depend on merchant category and current ICICI/Amazon terms. International and other excluded transactions should be checked against the latest programme terms before publication.
Benefits
Travel and lifestyle privileges
Other benefits
- 1% fuel surcharge waiver on eligible fuel transactions as per current ICICI terms.
Fees & Charges
What the card costs
- Joining fee
- ₹0
- Annual fee
- ₹0
- Forex markup
- 1.99%
Annual-fee waiver
No joining or annual membership fee.
Eligibility & Application
Before you apply
- Application channel
- Online
- Minimum salaried income
- ₹2.4 lakh / year
- Minimum self-employed income / ITR
- ₹3.6 lakh / year
- Age
- 21–65 years
Card issuance is invitation/eligibility based. ICICI's published general eligibility indicates minimum annual income thresholds of ₹2.4 lakh for salaried applicants and ₹3.6 lakh for self-employed applicants; final approval remains subject to ICICI assessment.
Credofly Review
The detailed view
Amazon Pay ICICI succeeds because it keeps the proposition simple: no annual fee, no reward-point conversion and cashback that automatically lands in Amazon Pay balance. Prime users who already spend substantially on Amazon can extract strong value without managing complicated redemption rules.
The trade-off is that this is primarily an Amazon-centric cashback product rather than a broad premium rewards card. It makes an excellent long-term no-fee card, but users seeking lounge access, transferable points or premium travel benefits should look elsewhere.
Frequently Asked Questions
Answers before applying
What is the annual fee for Amazon Pay ICICI Bank Credit Card?
This card has no annual fee.
What forex markup does this card charge?
The forex markup is 1.99%.
How does this card earn cashback?
Earn 1% unlimited cashback on eligible spends outside the accelerated Amazon and Amazon Pay categories. Prime members earn 5% on eligible Amazon purchases and non-Prime members earn 3%. Earn 2% on eligible Amazon Pay partner and specified Amazon Pay transactions.
What is one reward point worth?
One reward point is worth ₹1.00.
Who can apply for this card?
Card issuance is invitation/eligibility based. ICICI's published general eligibility indicates minimum annual income thresholds of ₹2.4 lakh for salaried applicants and ₹3.6 lakh for self-employed applicants; final approval remains subject to ICICI assessment.
Is this card currently open for applications?
Please check with the issuer for the current application status.
