Amazon Pay ICICI Bank Credit Card – Benefits, Fees & Eligibility

Amazon Pay ICICI Bank Credit Card

The Amazon Pay ICICI Bank Credit Card is a popular co-branded shopping card in India, designed for frequent online shoppers and Amazon loyalists. Powered by the Visa network, it offers a simple and highly rewarding structure where all earnings are seamlessly credited directly as Amazon Pay balance. As a lifetime-free card, it provides unlimited, never-expiring rewards, making it a top choice for users who want to save on Amazon purchases, utility bills, and travel bookings.

Welcome Benefits

• Total Combined Value: Welcome perks and discounts worth up to ₹2,500 for both Prime and Non-Prime members.
• EazyDiner Membership: One month of EazyDiner membership included.
• Amazon Prime Membership: Non-Prime members receive ₹500 off on a Prime membership.
• Cashback on Amazon Shopping: Non-Prime members get 100% cashback up to ₹150; Prime members get 100% cashback up to ₹200.
• Prepaid Recharge Benefits: 50% cashback up to ₹50 for prepaid recharges.
• Postpaid Bill Payment: 25% cashback up to ₹400 or ₹500 (depending on the specific offer) for postpaid recharges.
• Electricity Bill Payment: 20% cashback up to ₹100 for electricity bill payments.
• DTH Recharge: 25% cashback up to ₹200 or ₹250 for DTH recharges.
• Broadband Recharge: 25% cashback up to ₹550 for broadband recharges.
• Gas Cylinder Booking: Two separate offers of 10% cashback up to ₹250 and 10% cashback up to ₹200 for gas cylinder bookings.

Fees

• Joining Fee: NIL.
• Annual Fee: NIL (Lifetime Free card).
• Foreign Currency Markup: 1.99%.
• Interest Rates: 3.75% per month (45% per annum).
• Late Bill Payment Charges: Ranging from ₹100 to ₹1,300.
• ATM Withdrawal Charges: 3.75% interest per month on the withdrawn amount.
• Cash Advance Fee: 2.5% of the withdrawn amount, subject to a minimum of ₹500.
• Rewards Redemption Fee: NIL.
• Fuel Surcharge Waiver: 1% surcharge waiver for all fuel purchases across India (provided the transaction does not exceed ₹4,000).
• Minimum Due Interest: 3.75% interest per month if only the minimum due is paid.

Rewards

• Amazon Purchases (Prime): Unlimited 5% cashback on Amazon.in purchases for Prime members.
• Amazon Purchases (Non-Prime): Unlimited 3% cashback on Amazon.in purchases for Non-Prime members.
• Travel and Flights: 5% unlimited cashback for Prime members and 3% for Non-Prime members on flights and hotel bookings made via Amazon.
• Amazon Pay Partner Merchants: 2% cashback at over 100 Amazon Pay partner merchants (using "Login and Pay with Amazon").
• Utility Bills and Recharges: 2% unlimited cashback on bill payments and recharges made through Amazon.
• Amazon Gift Cards and E-books: 2% unlimited cashback on purchases of Amazon Gift Cards and E-books via Amazon.
• Other Spends: 1% unlimited reward points on all other payments and retail transactions outside of the Amazon ecosystem.
• iShop: Earn up to 4% cashback on iShop transactions.
• Dining: Minimum 15% discount on dining bills at participating restaurants through the ICICI Bank Culinary Treats program.
• Exclusions: No rewards are earned on fuel, rent, gold, silver, precious metals, tax-related payments, or Equated Monthly Instalment (EMI) purchases on Amazon.

Rewards Redemption Guide

• Automatic Credit: Earnings are automatically converted and credited as Amazon Pay balance to the linked Amazon account at the completion of every billing cycle (usually within 2 working days).
• Redemption Ratio: 1 Reward Point = ₹1.
• Validity: Reward points are non-expiring.
• Usage: The Amazon Pay balance can be used for partial or complete payment for any purchase on Amazon.in or at partner merchants that accept Amazon Pay as a payment method.

Card Eligibility Criteria

Eligibility Rules

• Citizenship: Must be an Indian citizen.
• Age: Minimum age of 21 years.
• Income (Salaried): Minimum monthly income of ₹20,000.
• Income (Self-Employed): Minimum monthly income of ₹30,000.
• Program Type: Currently operates as an "Invite Only" program.
• Credit Score: Approval is subject to the bank checking the applicant's CIBIL score and credit history.

Documents Required

• Identity Proof.
• Address Proof.
• Income Proof.

Card Review

• Overall Verdict: This is one of the best credit cards in India for online shoppers, especially those with an Amazon Prime membership. Its lifetime-free nature and high reward rate on the largest e-commerce platform make it a high-value tool for savings.
• Pros:
  • Lifetime free card with no joining or annual maintenance charges.
  • High reward rate of 5% for Prime members on Amazon.
  • Cashback is automatically credited as Amazon Pay balance, requiring no manual redemption.
  • Rewards never expire and have no maximum capping.
  • Competitive foreign currency markup of 1.99%.
• Cons:
  • Primarily beneficial for the Amazon ecosystem; benefits on other platforms or offline are limited to 1%.
  • Lacks premium lifestyle features such as airport lounge access, golf perks, or entertainment benefits.
  • Reward rate for Non-Prime members (3%) is significantly lower than for Prime members.

Important Product Details

• Positive Highlights:
  • Seamless, automated reward system.
  • Offers 1% fuel surcharge waiver on transactions.
  • Access to the Culinary Treats Program with a 15% discount at over 2,500 restaurants.
  • Provides a 3-month no-cost EMI option for eligible Amazon.in transactions.
• Negative Highlights:
  • Effective October 11, 2025, no cashback will be earned on international and educational transactions.
  • No rewards on EMI transactions, rent, or fuel.
  • Earnings are transferred only to the account of the card owner; they cannot be credited to a different Amazon account if the card is borrowed.

Other Details

• Add-on Cards: Primary cardholders can apply for add-on cards via iMobile or Net Banking.
• Card Management: Activation, PIN generation, and limit management can be handled through the iMobile app, Internet Banking, or the IVR system.
• Virtual Card: Upon approval, a virtual card is available for immediate online transactions before the physical card arrives (typically within 7 working days).
• Credit Limit: Usually 2 to 3 times the cardholder's monthly income, depending on credit score. Higher limits may be pre-approved or requested via ICICI Bank support.
• Customer Support: Users can contact customer care at 1800 1080 or 1800 1020 1239 for queries and complaints.