Amazon Pay ICICI Bank Credit Card

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Amazon Pay ICICI Bank Credit Card

(4.2/5)

Best For: Online Shopping Discount Offers

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The Amazon Pay ICICI Bank Credit Card is one of the most popular cashback credit cards in India. One of its standout features is that it comes with no annual fee for a lifetime, making it even more appealing to a broad audience. The card offers 5% cashback on purchases made on Amazon India (both on the website and app), 2% cashback on partner brands, and 1% cashback on all other spends. Additionally, there’s no cap on the cashback you can earn. It’s important to note that the cashback isn’t in the form of direct cash but is credited as Amazon Pay balance. However, given the widespread acceptance of Amazon Pay wallets, even outside of Amazon, this balance is nearly as good as cash, which is why most people don’t mind it.

Features and Benefits

Features and benefits available in this credit card

Cashback

Reward Points

Airmiles

Airport Lounge

Utility Bills

Insurance

NPS

Education

Government Payment

Fuel

Rent

Giftcards

Jewellery

Wallet Load

Rewards on EMI

Welcome Bonus

Travel

Dining

Shopping

Interest

Welcome Benefits

Welcome benefit is not a regular feature of this card. But Amazon India offers different kind of welcome benefits at different times to attract new applicants of this credit card. Click on “Apply Now” button on the top of this page to see the current Welcome Benefits.

Cashback and Rewards

5% Cashback on purchases made on Amazon.in (excluding purchase of physical and digital gold, transactions made through the card on EMIs, purchases converted to EMI post facto, Amazon Business transactions made on amazon.in/business. For Non-Prime members, just 3% Cashback.
5% Cashback on Flight and Hotel bookings made on Amazon.in (3% Cashback for Non-Prime members)
2% Cashback on gift cards or ebooks purchase on Amazon.in
2% Cashback on payments made to Amazon Pay partner merchants using this card from Amazon Pay wallet as payment method
1% cashback on other spend (except excluded categories)
1% Cashback on International Spend (including Amazon site/app of other countries)

Fuel Surcharge Waiver

All transactions made by customers for purchasing fuel (petrol, diesel etc.) will have complete waiver (of 1%) of surcharge levied on such transactions.

Forex Markup Fee

3.5% plus GST (4.13% including GST)

Reward Redemption

Cashback is directly credited in the associated Amazon Pay Balance wallet automatically every month.

Fee and Charges

Think of these as small investments to keep your credit card running smoothly.

Joining fee
(INR including GST)

₹ 0

Renewal fee
(INR including GST)

₹ 0

Annual Spend Target
for Renewal Fee Waiver (INR)

₹ 0

Pros

Aspects that make this credit card amazing.

Lifetime Free
5% Cashback on Amazon which is one of the most popular shopping site in India
Even flight and hotel bookings are included for 5% cashback on Amazon
No limit on cashback
Very few spend categories are excluded for cashback
Easy to understand

Cons

Aspects this credit card lacks.

Amazon Prime membership is mandatory to get full 5% cashback on Amazon
It does not give real cashback. It gives cashback in the form of Amazon Pay Balance.
It does not provide Add-on credit card.
This credit card is not eligible for instant discount offers of ICICI Bank.

Spend Categories with No Cashback / Rewards

No cashback on following

Fuel
Spend make on Amazon Business Account
EMI
Physical and digital gold (Gold purchase even on Amazon is not eligible for cashback)
Cash withdrawal
Any king of charges on the credit card

Add-on Cards

Add-on card not available with this credit card

Eligibility Criteria

Age: 21 years or older
Resident Indian only
Income Criteria: Rs.25,000 net in-hand or more

Important Links

N/A

Upcoming Changes

N/A

Rating & Reviews

(4.2/5)

This is the truth, the whole truth, and nothing but the truth; brought to you SpendWisely backed by its expertise and expertise in the area of credit cards

Reward Value

(5)

Lifestyle Benefits

(1)

Ease of Reward Redemption

(5)

Value for Money

(5)

Customer Service

(5)

The Amazon Pay ICICI Bank Credit Card is an easy-to-understand credit card that offers cashback on most purchases. Unlike many other cashback credit cards, this one has very few spend categories which are excluded from earning cashback. Additionally, it’s a lifetime free card, making it an excellent choice for entry-level users and frequent Amazon shoppers who prefer a no-fee option. However, it’s important to note that the cashback earned is credited as Amazon Pay balance, not as real cash.

Domestic Airport Lounge Access

Not Available

International Airport Lounge Access

Not Available

Airport Spa Access

Not Available

Airport Meet & Greet Service

Not Available

Railway Lounge

Not Available

Movie Tickets

Not Available

Dining Benefit

Not Available

Golf

Not Available