Amazon Pay ICICI Bank Credit Card
Best for amazon Prime shoppers wanting a free, no-cap cashback card. Prime members: 5% on Amazon.in and Amazon flights/hotels; non-Prime 3%; 2% on Amazon Pay partner merchants and bill payments on Amazon; 1% elsewhere
Terms as of 2026-05-11 · Checked 29 September 2026Amazon Pay ICICI Bank Credit Card at a glance
Who it suits: Amazon Prime shoppers wanting a free, no-cap cashback card
Rewards & cashback
| Details | |
|---|---|
| How you earn | Prime members: 5% on Amazon.in and Amazon flights/hotels; non-Prime 3%; 2% on Amazon Pay partner merchants and bill payments on Amazon; 1% elsewhere |
| Caps & exclusions | No cashback on EMI, fuel, rent, education, tax, wallet loads, cash withdrawal, international transactions |
| Welcome benefit | Rs 2,000 Amazon Pay balance and partner vouchers (per review) |
Yearly reward value at base rate
| Spend | Rewards (base rate) | Net of annual fee + GST |
|---|---|---|
| ₹1,20,000 / year | ₹1,200 | ₹1,200 |
| ₹3,00,000 / year | ₹3,000 | ₹3,000 |
| ₹6,00,000 / year | ₹6,000 | ₹6,000 |
| ₹12,00,000 / year | ₹12,000 | ₹12,000 |
Base rate only; accelerated categories raise the value, caps and excluded categories (rent, fuel, wallet, utilities etc. on many cards) lower it.
Travel, lounge & fuel benefits
| Benefit | Details |
|---|---|
| Airport lounge | None |
| Fuel surcharge | 1% waiver on Rs 400-4,000 transactions |
| Forex markup | 3.50% + 18% GST on the markup |
Fees & charges
| Charge | Amount |
|---|---|
| Joining fee | Free + GST |
| Annual / renewal fee | Free + GST |
| Fee waiver | Lifetime free |
| Finance charge | Typically about 3.5%–3.75% per month on revolved balances (lower on some premium and secured cards) — see MITC |
| Cash withdrawal | Usually 2.5% (min ₹500) + interest from day one |
| Late payment | Slab-based, only if unpaid more than 3 days past due |
| GST | 18% on all fees and interest |
Is it worth it for you?
Eligibility & documents
| Criterion | Details |
|---|---|
| Income / criteria | Age 18-60; salaried/self-employed resident |
| Age | 21-65 (Coral/Rubyx/Sapphiro); Amazon Pay 18-60 |
| Credit score | 750+ improves approval chances |
Similar cards
| Card | Issuer | Joining / annual fee | Reward rate | Best for |
|---|---|---|---|---|
| Scapia Federal Bank | Federal Bank | Free / Free | 2.00% base value | Travellers wanting zero forex and lifetime-free |
| Kiwi YES Bank RuPay Credit Card (Klick) | YES Bank | Free / Free | 1.50% base value | UPI spends on credit |
| Axis Bank ACE | Axis Bank | ₹499 / ₹499 | 1.50% base value | Flat cashback on all spends plus bill payments via GPay |
| HSBC Live+ | HSBC India | ₹999 / ₹999 | 1.50% base value | Dining & grocery cashback |
| Tata Neu Infinity HDFC Bank | HDFC Bank | ₹1,499 / ₹1,499 | 1.50% base value | Tata ecosystem shoppers (BigBasket, Croma, Tata CLiQ, Air India via N… |
| HSBC RuPay Cashback | HSBC India | ₹499 / ₹499 | 1.00% base value | UPI + dining cashback; 0% forex promo till 31 Dec 2026 |
Frequently asked questions
What is the annual fee of the Amazon Pay ICICI Bank Credit Card?
Joining fee Free and annual fee Free (plus 18% GST). Lifetime free.
What rewards does it offer?
Prime members: 5% on Amazon.in and Amazon flights/hotels; non-Prime 3%; 2% on Amazon Pay partner merchants and bill payments on Amazon; 1% elsewhere Caps/exclusions: No cashback on EMI, fuel, rent, education, tax, wallet loads, cash withdrawal, international transactions
Does it give airport lounge access?
None
What is the forex markup?
3.50% on international transactions, plus 18% GST on the markup. On ₹1 lakh spent abroad that is about ₹4,130.
Who is eligible?
Age 18-60; salaried/self-employed resident. A CIBIL score of 750+ improves approval chances.
Is the Amazon Pay ICICI Bank Credit Card good for me?
Best for: Amazon Prime shoppers wanting a free, no-cap cashback card. Compare the net value after fees with how and where you actually spend — the calculator on this page helps.
Source: 1finance.co.in, 2026-05-11. Card benefits change frequently — confirm the latest Most Important Terms & Conditions (MITC) on ICICI Bank’s website before applying. FinancePortal is not affiliated with the issuer.