ICICI Amazon Pay Credit Card on PhonePe

How it works

Amazon 5% needs Prime (3% otherwise). Paying through Amazon Pay at partner apps like Swiggy or BookMyShow earns 2%, but paying the card directly there earns 1%. Bills and recharges paid outside Amazon earn nothing since Oct 2025 (telecom assumed to count as utility).

Caps & rules

• 5% on Amazon.in for Prime members (3% without Prime), excluding gold coins and flight/hotel bookings via Amazon Pay.
• 2% on digital categories, when paying with Amazon Pay at partner merchants, and on physical gift cards.
• 1% elsewhere.
• All uncapped, credited as Amazon Pay balance.
• From 11 Oct 2025: no rewards on education, international spends or utility bills paid outside Amazon.

Reward limits

• 5% on Amazon (Prime), 3% (non-Prime), 2% on Amazon Pay partners, 1% elsewhere: No limit

No rewards on

Fuel, gold/silver/precious metals, tax payments, rent, EMI, education, international spends, utilities outside Amazon