Amazon Pay ICICI
Annual Fee
FREE
Rewards/₹100 ⓘ
₹1.00 - ₹5.00
Interest Rate
45.60%
Credit Score
700+
At a Glance
Key Benefits
5% Amazon (Prime), 3% (non-Prime), 2% partners, 1% all. Lifetime free.
Lounge Access
No standard lounge access.
Eligibility
Rs 25K/month income. Age 21-65. CIBIL 700+.
Quick Details
Reward Structure
Amazon.in (Prime)
Amazon.in (Non-Prime)
Amazon Pay Partners
All Spends
Excluded from Rewards
The following categories do not earn rewards on this card:
Reward Calculator
Milestone Benefits
Rs.2000 rewards for Prime members, Rs.1500 + 3 months Prime for non-Prime
Spend ₹0 0
value
Insurance Coverage
Lost Card
₹0
Zero liability for lost card transactions when reported within 3 days of loss/theft.
Fraud
₹0
Zero liability for unauthorized transactions when reported immediately to the bank.
Lifestyle Perks
Fuel Surcharge
1.00% off
1% fuel surcharge waiver across all fuel outlets
Dining
15.00% off
15% off at 2500+ restaurants via Culinary Treats
Category Rankings
See how this card performs in different spending categories compared to other cards.
Quick Analysis
Best free credit card for Amazon shoppers. Prime members get excellent 5% unlimited cashback on Amazon purchases.
Pros
- 5% cashback on Amazon for Prime, Lifetime free, Low forex markup 1.99%, No reward expiry, Instant virtual card
Cons
- No lounge access, No travel benefits, Cashback excluded on fuel/rent/utilities, Lower rewards for non-Prime
Best For
Amazon shoppers, Prime members, cashback seekers
Not Ideal For
Travelers (no lounge access, no travel benefits), international spenders (no cashback on international since Oct 2025)
The Amazon Pay ICICI Credit Card is India's most popular co-branded credit card with over 5 million users. This lifetime-free card offers instant cashback on every purchase, making it ideal for frequent Amazon shoppers and anyone looking for a simple, rewarding credit card with no annual fees.
What is Amazon Pay ICICI?
Amazon Pay ICICI is a lifetime-free Visa credit card that gives 5% unlimited cashback for Prime members (3% for non-Prime) on Amazon purchases, 2% on Amazon Pay partners, and 1% on all other spends. Cashback is automatically credited as Amazon Pay balance with no expiry.
Benefits
- Unlimited Cashback: 5% on Amazon (Prime), 3% (non-Prime), 2% on Amazon Pay partners, 1% everywhere else
- Zero Fees: No joining fee, no annual fee - lifetime free card
- Instant Rewards: Cashback auto-credited to Amazon Pay balance within 2 days of billing cycle
- No Reward Expiry: Amazon Pay balance never expires
- Low Forex Markup: Just 1.99% on international transactions
- Dining Benefits: 15% discount at 2,500+ restaurants via Culinary Treats
- Fuel Surcharge Waiver: 1% waiver on fuel purchases (Rs 400-4,000)
- No-Cost EMI: 3 and 6 month EMI options on Amazon purchases
Welcome & Milestone Benefits
- Welcome Offer: Rs 500 Amazon Prime voucher for new cardholders (terms apply)
- Instant Virtual Card: Start using immediately upon approval
- No Milestone Benefits: Card focuses on everyday cashback rather than milestone rewards
Airport Lounge Access
The Amazon Pay ICICI Credit Card does not offer standard lounge access. This is a cashback-focused card designed for online shopping rather than travel benefits.
Promotional Offer (Limited Time): One domestic lounge visit available if you spend Rs 75,000 in a quarter and maintain active Prime membership.
Rewards Program
Amazon Pay ICICI uses a simple cashback system:
- Prime Members: 5% on Amazon.in purchases (unlimited)
- Non-Prime: 3% on Amazon.in purchases (unlimited)
- Amazon Pay Partners: 2% cashback (unlimited)
- All Other Spends: 1% cashback (unlimited)
- Redemption: Auto-credited as Amazon Pay balance
- Expiry: Never expires
Exclusions: No cashback on gold, silver, EMI purchases, rent, fuel, utilities, education, and international transactions.
Fees & Charges
- Joining Fee: Rs 0 (Lifetime Free)
- Annual Fee: Rs 0 (Lifetime Free)
- Interest Rate: 3.5%-3.8% per month (42%-45.6% p.a.)
- Forex Markup: 1.99% on international transactions
- Cash Advance: 2.5% (min Rs 300) + 3.5% monthly interest
- Late Payment: Rs 100 - Rs 1,300 (based on outstanding)
- Interest-Free Period: 18-48 days
Eligibility Criteria
- Indian resident with valid PAN and Aadhaar
- Age: 21-65 years
- Minimum monthly income: Rs 25,000 (ICICI customers) or Rs 30,000 (non-ICICI)
- Good credit history (CIBIL 700+)
- Existing Amazon account required
Documents Required
- Identity Proof: PAN Card, Aadhaar Card
- Address Proof: Aadhaar, Passport, Utility bill
- Income Proof: Latest 3 months salary slips or ITR
- Bank Statements: Last 3-6 months
Frequently Asked Questions
Is Amazon Pay ICICI credit card lifetime free?
What is the cashback rate for Prime vs non-Prime members?
How do I redeem Amazon Pay ICICI rewards?
Does Amazon Pay ICICI have airport lounge access?
What is the forex markup on Amazon Pay ICICI card?
What purchases are excluded from cashback?
What is the minimum income required for Amazon Pay ICICI?
Can I get Amazon Pay ICICI without Prime membership?
User Reviews
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