ICICI Amazon Pay Credit Card
ICICI Bank
Last updated: Dec 29, 2025
₹0
₹0
1.99%
No lounge access
Contents
A lifetime-free co-branded card from ICICI Bank and Amazon Pay that rewards Amazon and Amazon Pay category spending. Prime members get higher rewards on Amazon purchases; non-Prime members get a lower but steady cashback rate. It is aimed at frequent Amazon shoppers who want simple, automatic cashback credited as Amazon Pay balance.
Features of ICICI Amazon Pay Credit Card which makes it unique
Lifetime Free
No joining or annual fee for the primary card
Low cost of ownership
Cheaper than many co-branded premium cards
Rewards Structure of ICICI Amazon Pay Credit Card
Prime members.
acceleratedPrime members amazon spends
5% Cashback for Prime Members : Amazon Prime members earn 5% unlimited cashback on eligible Amazon.in spends using the ICICI Amazon Pay Credit Card. Cashback is credited directly to the Amazon Pay balance and can be used for shopping, bill payments, and recharges.
non-Prime members.
acceleratednon-Prime members amazon spends
3% Cashback for Non-Prime Users: Non-Prime users earn 3% unlimited cashback on Amazon.in spends, credited to Amazon Pay balance
Base
baseAll other Spends
Partner Merchant Cashback: Earn 2% unlimited cashback on eligible Amazon Pay partner merchant spends.
Fees & Charges of ICICI Amazon Pay Credit Card
| Fee & Amount | Fee Value |
|---|---|
| Joining Fee | 0 |
| Annual Fee | 0 |
| Forex Markup Fee | 1.99% |
| Cash Advance Fee | 0 |
| Late Payment Fee | ₹750 |
| Over Limit Fee | ₹500 |
| Returned Payment Fee | ₹350 |
| Cash Withdrawal Fee | 0% |
Renewal Conditions:No renewal fee (lifetime free card).
Fee Explanation Standard ICICI Bank card fees apply for finance charges and overdue amounts; refer to issuer MITC for exact slab details.
Detailed Explanation of ICICI Amazon Pay Credit Card Fees
Joining Fee: 0 (one-time)
No joining fee (lifetime free).
Lifetime Free Card: The ICICI Amazon Pay Credit Card has zero joining fee and zero annual fee. Cardholders are not charged any membership or renewal fees at any point, regardless of usage or spending.
Annual Fee: 0 (yearly)
No annual fee (lifetime free).
No Annual Charges: There is no annual fee for this card. Users can continue using the card without meeting any minimum spend criteria.
Forex Markup: 1.99 (per transaction)
Effective Oct 11, 2025 for ICICI Amazon Pay card; refer to bank notice.
Cash Advance Fee: 2.5% (transaction)
Minimum amount and GST as per issuer policy.
Cash Advance Charges & Interest: Cash withdrawals using this credit card attract a cash advance fee of 2.5% per transaction, subject to a minimum charge and applicable GST. Interest is charged from the transaction date with no interest-free period. Cash advances do not earn reward points or Amazon Pay cashback and should be used only in emergencies.
Additional Features of ICICI Amazon Pay Credit Card
Contactless Payments
Tap and pay enabled for fast checkout
Fast & Secure Contactless Payments: The ICICI Amazon Pay Credit Card supports contactless (tap-and-pay) transactions, allowing quick payments without inserting the card or entering a PIN for low-value transactions, subject to RBI and issuer limits.
Amazon Pay Gift Card Rewards
Cashback credited directly to Amazon Pay balance
Credited as per merchant and welcome offer T&Cs
Amazon Pay Gift Card Rewards: Purchases of Amazon Pay gift cards using the ICICI Amazon Pay Credit Card are treated as regular spends. Eligible cashback is credited as Amazon Pay balance, subject to issuer terms and applicable exclusions. Gift card purchases do not earn accelerated cashback benefits in certain cases.
Welcome Bonus with ICICI Amazon Pay Credit Card
Welcome Bonus: Prime members can earn cashback of up to ₹2,500; non-prime members receive around ₹2,000 cashback plus discounts on Prime membership upgrades; Cashback benefits are unlocked after meeting minimum spending requirements
Bonus Conditions: First transaction required within 37–90 days; Cashback is automatically credited to your Amazon Pay balance No expiry on the credited rewards; Cashback is usually credited within 30–90 days of card issuance
Application Process for ICICI Amazon Pay Credit Card
Processing Time
3-7 business days
Online Application
Available
Instant Approval
Not Available
Step-by-Step Process
Apply online via ICICI Bank or Amazon Pay portal
Online Application: Apply online through the ICICI Bank website or directly via the Amazon app under the Amazon Pay section. The application is fully digital and takes only a few minutes to complete.
Complete and upload KYC documents
Digital KYC Process: Submit required KYC details such as PAN and address proof. Aadhaar-based eKYC or video KYC may be available for faster processing, subject to eligibility.
Verification by bank
Bank Verification: ICICI Bank verifies your details, credit profile, and documents. In some cases, additional verification or clarification may be requested.
Card dispatched once approved (timelines vary)
Approval and Delivery: Once approved, the credit card is issued and dispatched to your registered address. Eligible users may receive instant approval with a virtual card available for immediate use.
Required Documents for ICICI Amazon Pay Credit Card
Income Proof
applicants where applicableAccepted documents:
Income Assessment: Income documents may be requested based on the applicant’s credit profile or internal eligibility checks by the issuer.
ID Proof
allAccepted documents:
Identity Verification: A valid PAN card is mandatory for credit card issuance. Aadhaar or Passport may be required for address verification or eKYC, as per RBI and ICICI Bank guidelines.
Address Proof
allAccepted documents:
Address Verification: Applicants must provide a valid residential address proof. Digital address verification or Aadhaar-based eKYC may be available.
ICICI Amazon Pay Credit Card Merchant Acceptance Network
Domestic Acceptance
Wide coverage across India
International Acceptance
Accepted globally where Visa is accepted
Online Acceptance
Yes
Payment Technologies
Mobile Wallet Support:
Excluded Merchants
Eligibility Criteria for ICICI Amazon Pay Credit Card
Quick Eligibility Check
Minimum Age
21+
Credit Score
650+
Citizenship
Indian resident
Income Requirements
Salaried Applicants
₹20,000
Minimum annual income
Self-Employed Applicants
₹30,000
Minimum annual income
Who Can Apply
Important Conditions
- Valid PAN required. KYC mandatory as per RBI and ICICI Bank norms. Approval is subject to credit profile, repayment history, and internal eligibility checks by the issuer.
How Approval Is Decided
- Valid KYC (PAN, Aadhaar)
- Issuer credit assessment and eligibility
- Indian resident
Pros of ICICI Amazon Pay Credit Card
- Hassle-Free CashbackHassle-Free Cashback: All eligible cashback is automatically credited to the Amazon Pay balance, with no points tracking or redemption process required.
- No joining or annual feeNo joining or annual fee: The card comes with zero joining and annual fees, making it a cost-effective option for long-term use without any spend-based waiver conditions.
- Excellent Amazon-focused rewardsExcellent Amazon-focused rewards: Amazon Prime members earn up to 5% cashback on Amazon.in purchases, making this one of the best cards for frequent Amazon shoppers.
Cons of ICICI Amazon Pay Credit Card
- Not a Travel CardNot a Travel Card: The card does not offer airport lounge access, airline miles, or premium travel perks, making it unsuitable for frequent travellers.
- Limited accelerated rewards to Amazon/Amazon PayLimited accelerated rewards to Amazon/Amazon Pay: Higher cashback rates apply mainly to Amazon and select Amazon Pay partners, while most other spends earn a lower base cashback.
Frequently Asked Questions about ICICI Amazon Pay Credit Card
Where is cashback credited and how long does it take?
Cashback is credited to your Amazon Pay balance as an Amazon Pay Gift Card; timing varies by offer—usually within 30–60 days as per terms.
Cashback is not credited instantly. It is processed after the transaction is settled and credited to the Amazon Pay balance within the timeline specified by Amazon and ICICI Bank.Can I use the card internationally?
Yes, the card is internationally accepted where the network (Visa) is accepted; forex charges apply.
International transactions are allowed once enabled in card settings. A foreign currency markup fee and applicable taxes are charged as per issuer terms.Who is eligible to apply?
Indian residents meeting basic KYC (PAN, Aadhaar) and issuer credit/income criteria can apply online.
Applicants must be resident Indians with a valid PAN. Approval is subject to ICICI Bank’s internal credit assessment, including credit score and repayment history.Is there a joining or annual fee?
No. The ICICI Amazon Pay Credit Card is a lifetime free card with no joining or annual fees.
This card has zero joining and annual charges, with no minimum spend required to maintain the lifetime free status.How do I earn cashback on Amazon purchases?
Prime members earn 5% cashback on eligible Amazon purchases; Non-Prime members earn 3%. Cashback is credited as Amazon Pay balance.
Higher cashback is available for Prime members on Amazon.in spends. Cashback is automatically credited to the Amazon Pay balance and can be used for shopping, bill payments, and recharges.What is the forex fee for international transactions?
Forex markup is 1.99% (effective Oct 11, 2025) for this co-branded card; check the issuer MITC for final details.
International transactions made using the ICICI Amazon Pay Credit Card attract a 1.99% foreign currency markup, applicable on the converted transaction amount. GST may be charged additionally as per prevailing regulations. Rates are subject to change as per issuer terms.Add Your Review
Reviews (0)
No reviews yet
Be the first one to review this card.
