ICICI Amazon Pay Card - Is it still worth it in 2024?

by pointsguru 2d ago 128 views 8 replies
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pointsguru OP
2d ago

Amazon Pay ICICI has been my daily driver for 2 years. Here's my experience:

Rewards

  • 5% on Prime purchases (down from what it used to be)
  • 2% on Amazon non-prime
  • 1% everywhere else

    • The Good

  • Zero annual fee
  • Instant approval if you have Amazon account
  • Cashback credited automatically
  • Good starting limit

    • The Not So Good

  • Reward rate has decreased over time
  • Limited benefits outside Amazon ecosystem
  • No lounge access
  • Basic insurance

    • For Amazon-heavy users, still a must-have. But not as a primary card anymore.

    What do you think? Still using yours?

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    8 Comments

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    cardmaster · 2d ago

    Still using it exclusively for Amazon purchases. The 5% with Prime is still good value.

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    L
    loungelover · 2d ago

    I've noticed the 5% sometimes doesn't apply on certain categories. Anyone else?

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    F
    financewhiz · 2d ago

    Same here! Electronics above 10K sometimes get only 1%. Need to check terms carefully.

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    L
    loungelover · 2d ago

    I use it in combo with HDFC Diners. Amazon Pay for small purchases, Diners for everything else.

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    R
    rewardhunter · 2d ago

    The zero annual fee makes it worth keeping even if you don't use it often.

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    D
    dealseeker · 2d ago

    Combined with Great Indian Sale bank offers, you can stack pretty well.

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