Amazon Pay ICICI Credit Card
About Amazon Pay ICICI Credit Card
The Amazon Pay ICICI Credit Card is arguably the single highest utility zero-annual-fee card in the Indian banking landscape. For Amazon Prime members, the 5% uncapped cashback delivers thousands of rupees in annual savings without requiring minimum spending milestones or renewal tracking.
Rewards and Benefits
Verified privileges, welcome benefits, movie discounts, and airport lounge schedules.
| Category | Details & Conditions |
|---|---|
| 🛍️Amazon Spends (Prime) | Flat 5% unlimited cashback on Amazon.in purchases for active Amazon Prime subscribers. No upper cap |
| 📦Amazon Spends (Non-Prime) | Flat 3% unlimited cashback on Amazon.in purchases for non-Prime customers. No upper cap |
| ⚡Partner Merchants & Bill Pay | 2% cashback on 100+ partner merchants (Swiggy, Uber, Zomato, BookMyShow) and utility/bill payments via Amazon Pay |
| 💳Other Retail Spends | 1% flat cashback on all other online and offline POS transactions across India |
| 🛋️Domestic Lounge Access | N/A (Co-branded retail focus with zero annual maintenance fee) |
| 🌐International Lounge Access | N/A |
| ⛽Fuel Surcharge Waiver | 1% fuel surcharge waiver across all petrol pumps in India |
| 🍽️Dining Privileges | Minimum 15% discount at partner restaurants across India through ICICI Bank Culinary Treats |
Fees & Charges
Transparent schedule of annual charges, spend-based reversals, finance APR, and cash advance rates.
| Fee / Charge | Amount & Conditions |
|---|---|
| Spend-Based Waiver | Nil (Lifetime Free)Unconditionally Lifetime Free credit card with no joining or annual fees. |
| Interest Rates / Finance Charges | 3.75% per month (45.00% APR)Applicable if the Total Amount Due is not paid in full by the due date. Accrues from date of transaction. |
| Late Payment Charges | Up to ₹100: NIL | ₹101–₹500: ₹100 | ₹501–₹1,000: ₹500 | ₹1,001–₹5,000: ₹600 | ₹5,001–₹10,000: ₹750 | ₹10,001–₹25,000: ₹900 | ₹25,001–₹50,000: ₹1,100 | Above ₹50,000: ₹1,300Tiered late fee based on total outstanding balance if Minimum Amount Due is not paid by due date. |
| Foreign Currency Markup | 3.50% + GSTCross-currency conversion fee levied on international POS and foreign online transactions. |
| Dynamic Currency Conversion (DCC) | 1.00% + GSTApplicable on transactions performed at merchant establishments located outside India in INR. |
| Rewards / Cashback Redemption Fee | ₹0 (Direct Automatic Monthly Amazon Pay Balance Credit)Cashback is automatically credited to the linked Amazon Pay balance each billing cycle with zero fee. |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000Applicable on HPCL petrol pumps and general fuel stations across India. |
| Cash Advance Charges | 2.50% of the advance amount (Minimum ₹500)Levied on cash withdrawals at ATMs from withdrawal date until full repayment. |
| Overlimit Charges | 2.50% of the overlimit amount (Minimum ₹550)Charged when customer exceeds sanctioned credit limit. |
| Rental Transaction Surcharge | 1% fee on rental payments + GSTApplicable on rental transactions executed through payment platforms or aggregators. |
| Payment Dishonour / Bounce Charges | 2% of total amount due (Minimum ₹500)Charged in the event of cheque or auto-debit return. |
| Card Replacement Fee | ₹100 + GSTStandard physical card replacement charge for lost, stolen, or damaged cards. |
| Cash Payment at Branch Fee | ₹100 per paymentLevied for credit card bill payment deposited by physical cash at ICICI Bank branches. |
| Outstation Cheque Processing Fee | 1% of cheque value (Min ₹100)Applicable on collection of non-CTS outstation cheques. |
| Railway Ticket Booking Surcharge | 1% + GST as per IRCTC guidelinesStandard railway ticket booking fee on IRCTC portal. |
Product Details
Pros & Cons
Amazon Pay ICICI Credit Card Features and Benefits
Comprehensive overview of welcome benefits, quarterly spend bonuses, dining privileges, and renewal fee waiver milestones.
5% Unlimited Amazon Cashback
Earn flat 5% cashback on millions of products on Amazon India for active Prime members without monthly ceilings or category exclusions.
100+ Partner Merchants
Earn 2% cashback when paying with Amazon Pay on leading partner platforms including Swiggy, Uber, Zomato, BookMyShow, and bill payments.
Unconditional Lifetime Free
Zero joining fee and zero annual renewal fee forever. No minimum spending milestones required to keep the card active.
Direct Auto-Credit
Earned cashback is calculated per billing cycle and automatically credited to your linked Amazon Pay account within 2 business days of statement generation.
Amazon Pay ICICI Reward Framework
A completely transparent, uncapped cashback model. Earnings are tied directly to your Amazon account and credited automatically every month.
Cashback Settlement Schedule
Direct monthly statement adjustment and value realization rates.
| Settlement Channel | Cashback Realization | Notes |
|---|---|---|
| Amazon Pay Balance Auto-Credit | ₹1.00 | Auto-credited to your Amazon account within 2 business days after statement date. Valid across Amazon, partner apps, and QR payments |
Exclusions on Rewards Points / Cashback
In compliance with regulatory terms, the following spending categories are not eligible to earn reward points:
Eligibility Criteria for Amazon Pay ICICI Credit Card
The following table illustrates the income-based and age-based underwriting criteria:
| Criteria | Salaried Employees | Self-Employed Individuals |
|---|---|---|
| Age | 21 – 65 Years | 21 – 65 Years |
| Income Proof | Minimum ₹25,000 Per Month | Minimum ₹3,60,000 Per Annum (ITR) |
| Credit Score (CIBIL) | 730+ recommended | |
How to Apply for Amazon Pay ICICI Credit Card
Simple 4-step digital application process directly on the official issuer portal:
Check Eligibility
Click "Apply Now" to open the official bank application portal.
Enter Details
Provide your mobile number, PAN, and employment information.
Complete Video KYC
Verify your identity via paperless Aadhaar OTP or a quick 2-minute Video KYC.
Receive Card
Get instant virtual card access and physical card delivery within 5-7 working days.
CardIntel Score v1.1
Objective Card Quality Breakdown
CardIntel Score v1.1 measures structural card quality against a fixed ₹6 lakh annual benchmark. It evaluates 9 factors including Net Ownership ROI, without affiliate commission, editorial preference, or card slug heuristics.
1.60% effective benchmark return
Zero ownership cost with solid net return
No monthly or category ceilings
Rewards Catalogue
Domestic (0/5) + Intl (0/3) + Terms (0/2)
3.5% forex markup
Open retail availability
0 benefit pillars qualified
Zero material reward conditions (7/7 pts)
Why this score?
Solid net ownership ROI, unrestricted reward cap headroom and broad consumer accessibility. The score is reduced by the lounge access terms, forex markup and restricted redemption options.
ICICI Amazon Pay is immediately cost-positive from ₹0 spend (Lifetime Free or welcome benefits exceed initial fee).
4-Layer Financial Intelligence
Card Economics & Net ROI
Evaluating real economic return after accounting for benchmark spending (₹6,00,000/yr), effective annual fee, and verified category caps.
Calculate Your Real Returns
What You'll Actually Earn
Calculated using CardIntel's deterministic reward rules, fee waivers, and merchant accelerated caps.
Frequently Asked Questions (FAQs)
Official guidance on applications, reward redemptions, credit limit assignments, and customer support.
Yes, unconditionally. There is zero joining fee and zero annual renewal fee for life. You do not need to hit any spend milestone to keep the card free.
Verified Bank MITC Provenance
All reward percentages, exclusions, and annual fee waiver rules for Amazon Pay ICICI Credit Card are verified directly against official bank regulatory filings and Most Important Terms and Conditions (MITC).
CardIntel may earn referral fees from eligible application links. These fees never influence CardIntel Scores, rankings, or recommendations.
Similar Credit Cards
Top alternative cards comparable to Amazon Pay ICICI Credit Card by rewards, tier, and fees:
