ICICI Amazon Pay Credit Card by ICICI Bank — Credit Card Image
ICICI Bank Review Verified: 2026-08-12 🔥 Featured Card 🆓 First Year Free

ICICI Amazon Pay Credit Card

4.5 / 5.0 Rating
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#no-fee #best-for-shopping #best-for-everyday
Overview Perks & Milestones Fees & Interest Insurance Eligibility Compare

Fees

Free

Joining & Annual 1st Year Free

Reward Rate

5% on Amazon (Prime members); 3% (non-Prime); 2% on Amazon Pay merchants; 1% everywhere else

Welcome Bonus

Up to ₹2,000 in Amazon Pay balance + lifestyle vouchers (EazyDiner, Ixigo) on joining

Lounge Access

No Lounge Access

FindMyCard Expert Take

This is one of the easiest recommendations on our list for anyone who already shops on Amazon regularly. Zero annual fee, 5% cashback for Prime members, and the cashback lands straight in your Amazon Pay balance with no vouchers or point conversions to deal with.

Pros & Cons

Key Advantages

  • Zero annual fee, genuinely lifetime free
  • 5% cashback on Amazon for Prime members
  • Up to ₹2,000 Amazon Pay balance + EazyDiner & Ixigo vouchers on joining
  • 2% cashback on 100+ Amazon Pay partner merchants
  • Cashback credited directly to Amazon Pay balance, with no minimum redemption threshold

Limitations

  • Only 1% cashback on non-Amazon/non-Amazon Pay spends
  • Best value tied to an Amazon Prime subscription
  • No lounge access benefits
  • Purely cashback, with no travel miles or reward point option

Editorial Verdict

The ICICI Amazon Pay Credit Card is ideally suited for amazon shoppers & digital payments. If you want 5% on amazon (prime members); 3% (non-prime); 2% on amazon pay merchants; 1% everywhere else, this card delivers real value. The free is easily offset by the card's perks if you use it regularly. You'll generally need Fair to Good (700+), Age 23–60 credit to be approved.

Key Perks & Spending Milestones

5% cashback on all Amazon.in purchases (Amazon Prime members)

3% cashback on all Amazon.in purchases (non-Prime members)

2% cashback at 100+ Amazon Pay merchant partners

1% cashback on all other spends

No annual or renewal fee, genuinely lifetime free

Cashback credited directly to Amazon Pay balance

1% fuel surcharge waiver on fuel transactions

Contactless payment via tap & pay

EMI options on Amazon purchases

Up to ₹2,000 welcome value: Amazon Pay balance + lifestyle vouchers (EazyDiner, Ixigo) on card joining

🚀 Milestone Spends Timeline

1
Milestone Level 1

Bonus reward points on spending ₹50,000 annually

2
Milestone Level 2

1% Fuel Surcharge Waiver up to ₹250/month across all fuel stations

Fees & Charging Rates

Annual Fee Waivers

Free

💡 No annual fee ever

Regular Interest Charges

3.40% per month (40.8% per annum)

Credit Score & Income Required: Fair to Good (700+), Age 23–60

📅 Late Payment Fee Penalty Tiers

Nil for balance up to ₹500; ₹400 for ₹501-₹5,000; ₹600 for ₹5,001-₹10,000; ₹800 for balance above ₹10,000.

Insurance & Protection Benefits

Comprehensive travel insurance & lost card liability cover up to ₹1,000,000

Eligibility Criteria

age

23 to 60 years

nationality

Resident Indian

Compare ICICI Amazon Pay Credit Card With Similar Cards

Card Annual Fee Reward Rate Lounge Access Rating
ICICI Amazon Pay Credit Card This Card Free 5% on Amazon (Prime members); 3% (non-Prime); 2% on Amazon Pay... No Lounge Access 4.5/5
Cashback SBI Credit Card ₹999 + Taxes 5% cashback on online spends; 1% cashback on offline spends No Lounge Access 4.7/5
KIWI UPI RuPay Credit Card Free Up to 5% cashback on UPI spends via Kiwi Neon program (1.5% base... Domestic (Neon Spend Milestones) 4.7/5
Axis Bank ACE Credit Card ₹499 + Taxes 5% cashback on Google Pay utilities; 4% on Swiggy, Zomato & Ola;... 4 Domestic/yr 4.6/5

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