The Amazon Pay ICICI Bank Credit Card is a very popular cashback credit card. With up to 5% cashback on Amazon India purchases (5% cashback for Amazon Prime members, 3% cashback for others), 2% cashback on spends at Amazon Pay partners, and 1% cashback on all other spends, this card is a great choice for anyone who frequently shops on Amazon and its partners.
Large online superstores like Amazon are very popular with consumers, because they meet a wide variety of shopping, travel, payment and most other needs. They also provide great prices all year round, with special campaigns in seasonal periods.
Cashback credit cards like the Amazon Pay ICICI Card are becoming increasingly popular among consumers because of their simple rewards redemption process.
Brief Summary
Our View :
Best card for those who are comfortable shopping & spending online, since special benefits are provided on Amazon India spends & purchases. You get up to 5% cashback on Amazon India purchases (5% cashback for Amazon Prime members, 3% cashback for others), 2% cashback on spends at Amazon Pay partners, and 1% cashback on all other spends.
Added bonus is that the card is lifetime free. Amazon India presents a wide range of opportunities to spend and earn rewards.
Amazon Pay ICICI Bank Credit Card Review
Special Benefits
5% cashback on Amazon India
Other Benefits
2% cashback on various Amazon Pay partners
Minimum Income
Not specified
Annual Fee
Zero (free card)
Annual Fee Offers
Welcome offer worth ₹2000 (for Amazon Prime customers)
Welcome offer worth ₹1500 (for non-Prime customers)
Amazon Pay ICICI Credit Card : Summary Table
| 3% – 5% special cashback on Amazon India (Amazon.in) – 5% cashback (for Amazon Prime members) – 3% cashback (for all others) | Amazon Prime members: You earn ₹5 , on every ₹100 you spend on Amazon India – no monthly limit on earning these special benefits All others : You earn ₹3, on every ₹100 you spend on Amazon – no monthly limit on earning these special benefits (cashback is credited to your Amazon Pay account) Important exceptions – – 2% cashback : on digitally fulfilled categories like Amazon Pay wallet loads, flight bookings, bill payments, recharges, Ebooks , Amazon Pay gift cards. – No cashback : on fuel spends, jewellery purchases, EMI purchases including purchases which are converted to EMI later, Amazon business transactions. |
| 2% special cashback on 100+ Amazon Pay partners | You earn ₹2 , on every ₹100 you spend on over 100+ Amazon Pay Partner Merchants – such as BookMyShow, RedBus, Yatra, Bookmyshow, Cafe Coffee Day, Urban Ladder etc. Check the full list here. There is no monthly limit on earning this special cashback. |
| Zero annual fee | No joining & annual fee Welcome offers (limited time offer from Amazon India) – Welcome offer worth ₹2500 (for Amazon Prime customers) – Welcome offer worth ₹2000 + 3 months Prime membership (for non-Prime customers) – For details, please click here . |
| 1% basic cashback on all other spends | Earn ₹1 , on every ₹100 you spend on all other purchases |
| 1% fuel surcharge waiver | Fuel surcharge waiver at all fuel stations , on fuel transactions upto ₹4,000 |
Pros and Cons of Amazon Pay ICICI Bank Credit Card
Pros
- Very good benefit rate for people who like to shop on Amazon India – 5% unlimited cashback (for Prime users) and 3% unlimited cashback (for non-Prime users).
- 2% unlimited cashback rate on over 100+ Amazon Pay Partners provides more ways to earn rewards.
- Not only is the Amazon Pay ICICI Bank Credit Card free for life, it also has very good welcome offers.
- Cashback rewards have no monthly spending limit to earn these rewards, unlike many other credit cards in the market – hence it is easier to understand since you don’t have to track your monthly credit card purchases to benefit from high reward rates.
Cons
- For consumers who do not shop too much on Amazon or prefer in-store shopping, the cashback rate of 1% is not attractive.
- No complimentary airport lounge access
- 5% cashback is restricted to Prime members only
Comparing with Competitor Fuel Credit Cards
| Features |
Amazon Pay ICICI Bank Credit Card
Our Rating
APPLY NOW
|
Flipkart Axis Bank Credit Card
Our Rating
APPLY NOW
|
HDFC Millennia Credit Card
Our Rating
APPLY NOW
|
Axis Bank Ace Credit Card
Our Rating
APPLY NOW
|
|---|---|---|---|---|
| Cashback Rates | 1% – 5% |
1.5% – 5% |
1% – 5% |
2% – 5% |
| Other benefits | Fuel Surcharge Waiver | Fuel Surcharge Waiver | Fuel Surcharge Waiver | Fuel Surcharge Waiver |
| Annual Fee | No Annual Fees |
₹500 |
₹1,000 + Applicable Taxes |
₹499 |
| Annual Fee Offers | – | Annual fee waived off on annual spends greater than ₹. 2,00,000. |
Annual Fee Reversal on meeting ₹1,00,000 spends |
Annual Fee waived off on annual spends greater than ₹. 2,00,000 |
| Minimum Income | Not Specified | Not Specified | Not Specified | Not Specified |
Full Review of the Credit Card
Features & Benefits of the Amazon Pay ICICI Bank Credit Card
3% – 5% special cashback on Amazon India
Earning & redeeming cashback on Amazon India :
– You earn ₹5 (Prime members) or ₹3 (for all others) , on every ₹100 you spend on Amazon India – no monthly limit on earning this special cashback.
– For example, if you purchase ₹1,000 on Amazon shopping, Amazon Prime members will get a cashback of ₹50, while non-Prime customers will get a cashback of ₹30.
– This cashback will be credited to the Amazon Pay balance of your account (with no expiry date) , within two working days of your monthly credit card statement.
– You can use your Amazon Pay balance to shop/ spend on Amazon India, you can also use your Amazon Pay balance to shop/ spend on Amazon Pay partners. Please click here to view the latest list of Amazon Pay partners.
2% special cashback on Amazon Pay partners
Earning & redeeming cashback :
– You earn ₹2 , on every ₹100 you spend on over 100+ Amazon Pay Partner Merchants such as BookMyShow, RedBus, Yatra, Bookmyshow, Cafe Coffee Day, Urban Ladder etc. Check the full list here. For example, if you spend ₹1,000 at Cafe Coffee Day, you will get a cashback of ₹20
– There is no monthly limit on earning this special cashback.
– This cashback will be credited to the Amazon Pay balance of your account (with no expiry date) , within two working days of your monthly credit card statement.
– You can use your Amazon Pay balance to shop/ spend on Amazon India, you can also use your Amazon Pay balance to shop/ spend on Amazon Pay partners. Please click here to view the latest list of Amazon Pay partners.
1% basic cashback on all other purchases
Earning & redeeming cashback :
– You earn ₹1 , on every ₹100 you spend on all other purchases. For example, if you make a purchase of ₹1,000 at the grocery store, you will get cashback of ₹10.
– There is no limit on cashback.
– This cashback will be credited to the Amazon Pay balance of your account , within two working days of your monthly credit card statement.
– You can use your Amazon Pay balance to shop/ spend on Amazon India, you can also use your Amazon Pay balance to shop/ spend on Amazon Pay partners. Please click here to view the latest list of Amazon Pay partners.
Amazon ICICI Credit Card Fees and Charges
Annual fee & annual fee offers
Annual fee on the card is zero, it is a lifetime free card.
Plus there are attractive welcome offers for both Amazon Prime members, as well as non-members –
– Welcome offer worth ₹2500 (for Amazon Prime customers)
– Welcome offer worth ₹2000 + 3 months Prime membership (for non-Prime customers)
– For details, please click here .
Late payment fee
| Amount due | Late fee |
|---|---|
| Less than ₹100 | Nil |
| ₹100 to ₹500 | ₹100 |
| ₹501 to ₹5,000 | ₹500 |
| ₹5,001 to ₹10,000 | ₹750 |
| ₹10,001 to ₹25,000 | ₹900 |
| ₹25001 to ₹50000 | ₹1000 |
| More than ₹50,000 | ₹1200 |
Finance charges : 3.50% per month (42% per annum)
Foreign currency markup fee : 3.50% of the transaction value.
Important Note
– GST/ other applicable taxes as per current laws, will be applicable on all fees and charges
– To view all/updated fees & charges on this card, please click here – Amazon Pay ICICI Credit Card Fees & Charges
Eligibility Criteria
We are listing below general criteria followed by most card issuing banks, since exact criteria has not been specified for this particular card.
| Minimum age | 21 years or above |
| Maximum age | 65 years |
| Occupation | Salaried or self-employed |
| Other criteria | Regular source of income, good credit score, etc. |
Other Cardholder Benefits
| 1% fuel surcharge waiver | Applicable fuel stations and brands : The fuel surcharge applies to all petrol stations. Fuel transaction limit : on all fuel transactions upto ₹4,000 |
| 24/7 customer support | Please click here for all the options to contact the bank |
| Security features | Chip and PIN technology – security for offline transactions : In the past, credit cards typically used a magnetic stripe located on the back of the card to store and transact data. However, the latest generation of credit cards includes a CHIP and PIN feature, which provides enhanced security. Only you know your PIN, so even your card is lost it is unlikely to be misused since BOTH the physical card and the PIN is required to spend on the card Two-factor authentication – security for online transactions : When making an online transaction, you approve your online transaction through using a One-time Password (OTP) which you get on your mobile phone . Since only you know the OTP, the card is unlikely to be misused unless someone has access to BOTH your card details AND your mobile phone. This ensures a safe online purchase experience. SMS alerts and notifications – for both offline and online transactions : For your peace of mind, you get free SMS alerts and notifications for all your credit card transactions. Hence you will know about all transactions on your card. In the unlikely scenario of your card being misused, you would still get these alerts and notifications – which will help you to immediately block your credit card. |
Application Process
Step-by-step guide to applying for the card
| Online application process | The easiest way is to click this APPLY NOW button. You can also apply for Amazon Pay ICICI credit card through either the ICICI Bank website OR through the Amazon India website. From the ICICI Bank website you shall be redirected to the Amazon India website. Steps : – Log in to your Amazon India account or create a new one if you don’t already have an account, to apply – Fill in the application form with the required personal and financial information. – Submit the application form and wait for a decision. |
| Offline (face to face) application process | You can visit any of the nearest branches of the bank and talk to an executive regarding the process. To find the branch nearest to you, visit here. |
Necessary documents and verification
| Required documents | – PAN card – Identity proof : PAN card , driving license, valid passport, voter ID (any one) – Address proof : electricity bill, phone bill (not more than 2 months old), driving licence, passport, ration card, bank statement, passbook (not older than 3 months), voters ID, flat maintenance bill (not older than 2 months), rent agreement (any one) – Income proof : latest salary slip/s, income tax return etc In addition to these, you maybe asked to provide additional documents on a case-to-case basis. |
Tracking your card application status
| How to track your application status ? | You can track the status of your application through the ICICI webpage. Steps : 1. Visit the ICICI Bank official website and navigate the ‘Track Application’ page. 2. Enter the required details, including your application ID or reference number and your registered mobile number or date of birth. 3. Click on the ‘Submit’ button to check the status of your application. 4. The page will display the current status of your application, whether it is under processing, approved, or rejected. 5. If your application is approved, you will receive a notification from ICICI Bank regarding the dispatch of your credit card. Note: You can also track your application status by calling the ICICI Bank customer care number. |
Choosing the right card for your needs
As you have seen, the best cashback card depends on your personal circumstances. Some of the main points you should look at are –
| Are you eligible for the card | While some banks do not disclose all of their approval criteria, we have given you a rough guide on how the process works. Your income, stability of income, credit scores (repayment history, length of repayment history, credit utilisation), and past relationship with the bank are some critical factors that play a role. |
| Your monthly spends / Are you comfortable having more than 1 card ? | If you like shopping on Amazon India, then the Amazon Pay ICICI Credit Card is a great card for you. If you are not a regular shopper on Amazon, you should consider getting other cards which are best for shopping, and also best for other spend categories like travel, offline shopping, fuel, etc |
| Annual fee | The Amazon Pay ICICI Bank Credit Card is free for life. Not only that, it also has attractive welcome offers. Hence if you like shopping on Amazon, then this maybe one of the best shopping card options at the entry level. |
Conclusion
As everyone’s personal circumstances vary, the ideal credit card for an individual can differ. For those who like shopping on Amazon, the Amazon Pay ICICI Bank Credit Card is a compelling option that offers appealing rewards on purchases made on Amazon and its partners. Moreover the redemption process is simple and automatic, since cashback is automatically credited to your Amazon Pay balance.
Apply Nowon Amazon India website
Frequently Asked Questions
How can I apply ICICI Amazon Credit Card?
You can apply by clicking here, or on the ICICI Bank website or on Amazon India website. You need to be eligible and provide the required documents.
What are the benefits of using an Amazon Pay ICICI Bank Credit Card?
The Amazon Pay ICICI Credit Card offers upto 5% cashback on Amazon India. It also offers attractive cashback if you purchase from Amazon partners. There are no limits on cashback earned, and cashback is automatically credited to your Amazon Pay balance and has no expiry date. Moreover, the card has no annual fee and is free for life, making it an extremely compelling card proposition for those who like to shop on Amazon India.
What is the cashback reward percentage offered by the Amazon Pay ICICI Bank Credit Card?
Purchases made on Amazon receive up to 5% cashback (and 2% when buying items from partner merchants). All other eligible transactions will obtain 1% cashback when using the card.
Is there a minimum spend requirement to earn cashback rewards?
No — you don’t need a certain amount of spending to earn cashback rewards. Every eligible purchase comes with a generous cashback, regardless of size.