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

Introduction

The Amazon Pay ICICI Bank Credit Card, issued by ICICI Bank, is positioned as an entry-level to mid-range co-branded credit card primarily designed for online shoppers, especially frequent Amazon users and Prime members. Its top differentiating benefits include unlimited and never-expiring rewards with up to 5% cashback on Amazon purchases for Prime members, a lifetime-free status with no joining or annual fees, and a low foreign currency markup of 1.99%.

Welcome Benefits

The card offers welcome benefits in the form of cashback and a 1-Month EazyDiner Membership, with specific offers varying for Prime and Non-Prime members.

For Non-Prime Members (Worth Up to ₹2,000 + 1 Month EazyDiner Membership)

• 100% cashback up to ₹100 on Amazon shopping (non-EMI orders) with a minimum transaction of ₹1. Valid till July 31, 2026.
• Flat ₹50 cashback on Amazon shopping (non-EMI orders) worth ₹999 or more.
• Flat ₹50 cashback on prepaid mobile recharges of ₹500 or more.
• Flat ₹100 cashback on electricity bill payments of ₹1,000 or more.
• 10% cashback up to ₹250 on gas cylinder bookings with a minimum transaction of ₹900.
• 25% cashback up to ₹400 on broadband bill payments.
• 20% cashback up to ₹200 on DTH bill payments of ₹200 or more.
• 25% cashback up to ₹500 on postpaid bill payments of ₹900 or more.
• Flat ₹200 cashback on Amazon Pharmacy purchases (non-EMI orders) worth ₹999 or more.
• Flat ₹150 cashback on completing 3 POS transactions (swipe, tap, or scan) outside Amazon, with each transaction worth ₹100 or more.
• 1-Month EazyDiner Membership.

For Prime Members (Worth Up to ₹2,500 + 1 Month EazyDiner Membership)

• 100% cashback up to ₹100 on Amazon shopping (non-EMI orders) with a minimum transaction of ₹1. Offer valid till July 31, 2026.
• Flat ₹100 cashback on Amazon shopping (non-EMI orders) with a minimum transaction of ₹999.
• Flat ₹50 cashback on prepaid mobile recharges of ₹500 or more.
• 25% cashback up to ₹500 on postpaid bill payments of ₹900 or more.
• 25% cashback up to ₹400 on eligible postpaid bill payments.
• Flat ₹100 cashback on electricity bill payments of ₹1,000 or more.
• 25% cashback up to ₹250 on DTH bill payments of ₹250 or more.
• 10% cashback up to ₹250 on gas cylinder bookings with a minimum transaction of ₹900.
• 25% cashback up to ₹400 on broadband bill payments.
• Flat ₹200 cashback on Amazon Pharmacy purchases (non-EMI orders) with a minimum transaction of ₹999.
• Flat ₹150 cashback on completing 3 POS transactions (swipe, tap, or scan) outside Amazon, with each transaction worth at least ₹100.
• 1-Month EazyDiner Membership.

Fees

• Joining Fee: NIL (Lifetime Free)
• Annual Fee: NIL (Lifetime Free)
• Rewards Redemption Fee: Nil
• Foreign Currency Markup: 1.99% on international spends
• Interest Rates: 3.75% per month (45% per annum) on outstanding amounts or if only minimum due is paid.
• Fuel Surcharge Waiver: 1% fuel surcharge waiver at all petrol stations across India, provided the transaction size does not exceed ₹4,000.
• Cash Advance Charges: 2.5% of the withdrawn amount, subject to a minimum of ₹500.
• ATM Withdrawal: Pay 3.75% interest per month on the withdrawn amount.
• Late Bill Payment: Ranging from ₹100–₹1,300.
• Skill-based Gaming Transactions: A fee of 2% of the transaction amount will be charged from January 15, 2026.
• Wallet Load Transactions: Wallet load transactions of ₹5,000 or more will attract a 1% fee.

Rewards

The Amazon Pay ICICI Bank Credit Card offers unlimited, never-expiring rewards on everyday purchases, credited as Amazon Pay balance.

• Amazon Purchases:
  • 5% cashback on Amazon India purchases for Amazon Prime members (excluding Digital/Physical Gold and EMI Purchases).
  • 3% cashback on Amazon India purchases for Non-Prime members (excluding Digital/Physical Gold and EMI Purchases).
  • 5% cashback on Flights and Hotels Booking on Amazon.
  • 2% cashback on Bill Payments and Recharges on Amazon.
  • 2% cashback on purchase of Amazon Gift Cards and E-Books via Amazon.
• Partner Merchants: 2% cashback at over 100 Amazon Pay partner merchants when using the card on Amazon Pay.
• Other Retail Transactions: 1% cashback on all other eligible retail transactions.
• Dining Benefits: A minimum of 15% discount on dining bills at restaurants participating in the Culinary Treats program (over 2,500 restaurants across India).
• EMI Offer: Enjoy 3 months no-cost EMI on eligible Amazon.in transactions.
• Reward Exclusions: No cashback or Reward Points will be given on purchases of gold, silver, or other precious metals, tax-related payments, rent transactions, fuel spends, international transactions, educational payments, or EMI purchases on Amazon (including EMI-on-call and cash transactions).

Rewards Redemption Guide

• Reward Points earned on the Amazon Pay ICICI Bank Credit Card are automatically added to your Amazon Pay balance in the Amazon account linked to the card at the end of each billing cycle.
• 1 Reward Point is equivalent to ₹1.
• The Amazon Pay balance can be used for partial or full payment of all Amazon and Amazon Pay purchases, or at any partner merchant that accepts Amazon Pay as a payment method.
• Reward Points earned as Amazon Pay balance have no expiry date.
• There is no maximum capping on the Amazon Pay balance that can be earned as cashback on your card.
• Earnings will only be transferred to the card owner’s Amazon Account. If the card is borrowed, applicable Amazon Pay balance will not be added to the borrower's Amazon Account.

Card Eligibility Criteria

• Citizenship: Indian citizen.
• Age: Minimum age of 21 years.
• Income:
  • Salaried employee with a monthly income of at least ₹20,000.
  • Self-employed individual with a monthly income of at least ₹30,000.
• Application Process: This is an Invite Only Program.
• CIBIL Score: As an unsecured credit card, the bank will check your CIBIL score and credit history to determine eligibility.

Documents Required

• Proof of identity.
• Proof of address.
• Income Proof.

Card Review

The Amazon Pay ICICI Bank Credit Card is an excellent choice for individuals who frequently shop on Amazon, especially Amazon Prime members, due to its high reward rate of up to 5% cashback. Being a lifetime-free card with no joining or annual fees, it offers significant value. The seamless conversion of reward points into Amazon Pay balance with unlimited validity and no maximum cap on earnings further enhances its appeal. Additionally, benefits like a low foreign currency markup and dining discounts add to its overall value.

Pros:

• Most useful for Amazon loyalists who fulfill their online shopping via Amazon, particularly Prime members.
• Lifetime free with no joining or annual fees.
• Unlimited cashback with no maximum capping on the Amazon Pay balance earned.
• Reward points are automatically credited as Amazon Pay balance and have no expiry date.
• Enjoy 15% off at over 2,500 restaurants in India with the Culinary Treats Program of ICICI Bank.
• Low international forex mark-up at 1.99%.
• 1% fuel surcharge waiver.

Cons:

• Primarily focused on Amazon shopping, it does not provide other benefits like lounge access or entertainment benefits, making it less suitable for frequent travelers.
• Less useful for shopping on platforms other than Amazon, where the base reward rate is only 1%.
• The reward rate on Amazon for non-Prime members is lower at 3% compared to 5% for Prime members.

Important Product Details

• Lifetime free credit card with no joining or annual fees.
• Unlimited and never-expiring reward points.
• Up to 5% reward points on Amazon.in purchases for Prime members and 3% for non-Prime members.
• 2% reward points at 100+ Amazon Pay partner merchants.
• 1% reward points for all other eligible payments.
• Low International Forex mark-up fee of 1.99%.
• 1% surcharge waiver on all fuel purchases (transaction up to ₹4,000).
• Earnings are automatically converted into Amazon Pay balance on the completion of every billing cycle.
• Amazon Pay balance is redeemable for all Amazon and Amazon Pay purchases.
• Minimum 15% discount on dining bills at participating Culinary Treats restaurants.
• Offers 3 months no-cost EMI on eligible Amazon.in transactions.
• No maximum capping on the Amazon Pay balance that can be earned as cashback.

Other Details

• Add-on Card Application: Can be applied via ICICI Bank's iMobile app or Net Banking. The add-on card applicant will receive a consent form, fill details, and complete V-KYC.
• Card Delivery: Physical card is typically received within 7 working days from application approval. An SMS is sent upon dispatch. Virtual card details can be used for online transactions in the interim.
• PIN Generation/Change: Can be done through ICICI Bank's iMobile app, Net Banking, or the Interactive Voice Response (IVR) system (toll-free number 1800 1080).
• Card Activation: Can be activated using ICICI Bank's iMobile app or Net Banking by enabling international/online/Tap & Pay transactions and setting transaction limits.
• Adding Card to Amazon Account: Go to Amazon Account > Manage Payment Methods and add the Amazon Pay ICICI Bank Credit Card as a new payment method.
• CVV Location: The 3-digit security code next to the signature panel on the back of the card. It can also be checked via ICICI Bank's iMobile app or Net Banking.
• Bill Due Date: Found in the monthly statement, on ICICI Bank's iMobile app, through Net Banking, or by contacting Customer Care.
• Outstanding Bill Payment: Can be paid via ICICI Bank's iMobile app, Net Banking, Amazon.in app (from the card dashboard), third-party apps like CRED/Paytm, or by submitting a cheque at an ICICI Bank branch.
• Earning 2% Cashback on Amazon Pay Partner Sites: Use the payment method ‘Login and Pay with Amazon’ for purchases on Amazon Pay partner websites.
• Discrepancy in Amazon Pay Balance Earnings: Contact Customer Care on 1800 1080 or 1800 1020 1239, or email customer.care@icicibank.com. Reward points can be checked on iMobile app, Net Banking, or monthly statement. Earnings are credited to Amazon Account as Amazon Pay balance within 2 working days from the completion of the billing cycle.
• Using Amazon Pay Earnings: The Amazon Pay balance can be used for partial or full payment of all Amazon and Amazon Pay purchases.
• Credit Limit: Varies for different customers based on income and credit score, typically 2 to 3 times the cardholder’s monthly income. A higher credit limit can be requested from ICICI Bank support or may be pre-approved and available through ICICI internet banking or iMobile Pay app.
• Billing Cycle: Typically 50 days.
• Customer Care Numbers: 1800 1080 or 1800 1020 1239.
• General Terms & Conditions: Refer to the Most Important Terms & Conditions (MITC) and applicable Terms & Conditions (T&Cs) for other charges and detailed rules.
• Customer Feedback: Positive customer feedback highlights the card's utility for Amazon shopping, lifetime-free status, unlimited cashback, and good services.