Amazon Pay ICICI Bank Credit Card benefits
- Rewards5%
back on Amazon.in for Prime members, 3% without Prime
with no limit
- Benefit2%
on bill payments and recharges through Amazon Pay
- Rewards1%
back on other spends
- Rewards
Rewards credited as Amazon Pay balance
with no expiry
- Fees
No joining fee and no annual fee
Good to know
- 1.99% foreign currency markup
Amazon Pay ICICI Bank Credit Card rewards and cashback
| Where you spend | Rate | Monthly limit |
|---|---|---|
| Amazon3% on Amazon.in for cardholders without Amazon Prime, with no limit. Prime members get 5%, shown separately. Gold coins bought through Amazon Pay earn nothing. | 3% back | None |
| Amazon5% on Amazon.in for Amazon Prime members, with no limit. Left out of the maths because Prime is a separate paid membership. | 5% back | None |
| Amazon2% on mobile recharges, bill payments and other digital services paid through Amazon Pay on Amazon, and on Amazon physical gift cards. | 2% back | None |
| Everything else | 1% back | None |
No rewards on: Fuel, gold, silver and other precious metals, tax payments, rent, education, international spends, utility payments outside Amazon, EMI and cash.
All reward rules
- Each reward point is credited as ₹1 of Amazon Pay balance, within 2 working days after your statement is generated. Points do not expire.
- 1% back on other spends outside Amazon, with no limit.
- From 11 October 2025, education, international and utility payments outside Amazon earn no rewards. Rent has earned nothing since 18 June 2024.
- No-cost EMI for 3 months on eligible Amazon.in purchases. Other EMI transactions earn no rewards.
- A 1% fuel surcharge waiver applies at all petrol pumps.
What the Amazon Pay ICICI Bank Credit Card gives back in a year
Say you spend ₹30,000 a month, like our “online shopper” pattern, using Amazon where the card pays extra. Worked out with the same maths as the calculator above.
| Spending | A month | Back | A year |
|---|---|---|---|
| Groceries | ₹3,000 | 1% | ₹360 |
| Dining and food delivery | ₹2,000 | 1% | ₹240 |
| Online shopping | ₹18,000 | 3% | ₹6,480 |
| Travel | ₹1,000 | 1% | ₹120 |
| Fuel | ₹1,000 | 0% | ₹0 |
| Bills and utilities | ₹2,000 | 2% | ₹480 |
| Everything else | ₹3,000 | 1% | ₹360 |
| Total | ₹30,000 | ₹8,040 | |
| Renewal fee with GST | None | ||
| You keep | ₹8,040* |
Amazon Pay ICICI Bank Credit Card annual fee and charges
- Joining fee
- Free
- Annual fee
- Free
- Fee waiver
- Not needed
- Foreign currency markup
- 1.99%
ICICI Bank charges no joining fee and no annual fee on this card. The foreign currency markup is 1.99% from 1 October 2025, but international spends earn no rewards.
Fuel surcharge: 1% fuel surcharge waiver at all petrol pumps.
Amazon Pay ICICI Bank Credit Card eligibility
- Age
- 21 or above
ICICI Bank asks for a monthly income of at least ₹30,000 for both salaried and self-employed applicants. You need an Amazon account to apply.
The bank alone decides approval and your credit limit.
Amazon Pay ICICI Bank Credit Card lounge access
The bank's terms list no fixed number of free airport lounge visits on this card.
Is the Amazon Pay ICICI Bank Credit Card right for you?
A lifetime free card, paying 3% at Amazon and an above-average 1% elsewhere.
Good for you if
- You spend a lot at Amazon: the card pays 3% back there, against 1% on most other spends.
- You want a card to keep for years without paying a yearly fee, which also builds a long credit history.
- You pay in foreign currency, abroad or on foreign websites: the markup is 1.99%, against a typical 3.5% on the cards we list.
Not for you if
- You rarely use Amazon: outside it the card pays 1%.
Check the latest fees and terms on the bank's page before you apply.
Alternatives to Amazon Pay ICICI Bank Credit Card
Two similar cards to weigh up before you apply. The last column shows what each may be worth on ₹30,000 a month of mixed spending, after the renewal fee with GST. Rates paid only at named brands are not counted, so a brand card can earn more if you shop there.
| Card | Annual fee | Rewards up to | You keep a year |
|---|---|---|---|
| Amazon Pay ICICI Bank Credit Card | Free | 5% | ₹2,880* |
| HSBC Live+ Credit Card | ₹999 | 10% | ₹17,100* |
| Cashback SBI Card | ₹999 | 5% | ₹6,720* |
If most of your spending looks like the example above, the HSBC Live+ Credit Card may suit you better: it would leave you ₹12,360 a year, against ₹8,040 with the Amazon Pay ICICI Bank Credit Card.
*Estimate only, not a promise. We work it out from the bank's published terms and the spending you enter. What you actually get depends on the bank, your transactions and any change in its terms.
Frequently asked questions
Is the Amazon Pay ICICI Credit Card lifetime free?
Yes. ICICI Bank charges no joining fee and no annual fee on the Amazon Pay ICICI Bank Credit Card.
How much cashback does the Amazon Pay ICICI card give?
5% on Amazon.in if you have Amazon Prime, and 3% if you do not. You get 2% on bill payments and recharges through Amazon Pay, and 1% on other spends. Fuel, rent, education, international and outside utility payments earn nothing.
Where does the Amazon Pay ICICI cashback go?
Each reward point is worth ₹1 and is credited to your Amazon Pay balance within 2 working days after your statement. The points do not expire.
What is the eligibility for the Amazon Pay ICICI Credit Card?
You must be at least 21, with a monthly income of at least ₹30,000 if salaried or self-employed. ICICI Bank checks your credit profile when you apply.
Is there a limit on Amazon Pay ICICI rewards?
No. ICICI Bank's terms set no monthly limit on the 5%, 3%, 2% or 1% rewards.