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Credit Cards · India

Amazon Pay ICICI Bank Credit Card

Updated 5 Jul 2026Source-linked

The Amazon Pay ICICI Bank Credit Card is a entry co-branded credit card from ICICI Bank and Amazon, with a joining fee of ₹0 + GST.

It earns up to 5% on Amazon spends in the form of cashback.

Amazon Pay ICICI Bank Credit Card
  • Joining FeeFree
  • Annual FeeFree
  • Best Suited ForOnline shopping
  • Reward TypeCashback
Rewards Rate
  • 5% on amazon in prime
  • 3% on amazon in non prime
  • 2% on amazon pay partners
  • Base 1.00% on other spends
Welcome Benefits
  • Not applicable
Data verified 5 Jul 2026 — see our methodology
ICICI Bank logoICICIVisa logosignatureentryLifetime freeCo-brand · Amazon ↗
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Rewards and Benefits

Rewards Rate
5% on amazon in prime
3% on amazon in non prime
2% on amazon pay partners
Base 1.00% on other spends.
Reward Redemption
Amazon Pay: Credited as Amazon Pay balance, usable across Amazon.in and Amazon Pay merchants.
Welcome Benefits
N/A
Milestone Rewards
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Travel
N/A
Movie & Dining
N/A
Golf
N/A
Insurance Benefits
N/A
Other Benefits
N/A

See the math — accelerations & caps

What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.

No accelerated categories apply to the spend you entered — everything earns the base rate.

Base-rate spend

Non-accelerated spend, summarized at this card's base rate.

  • Online shopping₹15,000 · 1.0% = ₹150/mo

    Online shopping — earns base; accelerated rate needs booking via amazon-pay

  • Groceries₹8,000 · 1.0% = ₹80/mo
  • Dining & food delivery₹8,000 · 1.0% = ₹80/mo
  • Fuel₹4,000 · 0.0% = ₹0/mo
  • Travel & hotels₹10,000 · 1.0% = ₹100/mo
  • Utilities & bills₹5,000 · 1.0% = ₹50/mo
Est.net rewards for this spend, realistic
₹5,520/yr

₹5,520 rewards − ₹0 annual fee. Estimate for the spend you entered.

Fees & Charges

Spend-Based Waiver
Not waivable
Rewards Redemption Fee
N/A
Foreign Currency Markup
1.99%
Interest Rates
3.75% per month (45.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹400 and ₹4,000.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)

Product Details

  • Co-branded entry card by ICICI Bank and Amazon.
  • Lifetime free — no joining or annual fee.
  • Available on the Visa network.

Pros & Cons

Pros
  • Lifetime-free — no joining or annual fee.
  • Low forex markup of 1.99% — suited to international spends.
  • Accelerated earn worth ≈5.0% on amazon in prime.
Cons
  • No rewards on fuel spends.
  • No complimentary airport lounge access.
Pros & cons are heuristically derived from the card's fees, rewards and benefits. Not editorial opinion.

Accelerated rewards

  • 5% on amazon in prime
    Merchants: amazon.in
    5% back for Amazon Prime members on Amazon.in purchases.
  • 3% on amazon in non prime
    Merchants: amazon.in
  • 2% on amazon pay partners
    2% back on 100+ Amazon Pay partner merchants.
Capping rules
  • No earning cap on Amazon.in cashback per ICICI's own FAQ + product page (retrieved 2026-07-05): 'There is no limit on how much you can earn'; 'Unlimited reward points upto 5% on Amazon purchases'. Covers 5% Prime + 3% non-Prime.

Exclusions

The following spend categories earn no rewards on this card:

  • fuel
  • wallet loads
  • rent
  • emi
  • cash advance

Fuel surcharge waiver

1.0% waiver on fuel transactions between ₹400 and ₹4,000.

Sources

Last verified 5 Jul 2026. Verify with the issuer before applying.

Eligibility

Age
21–65
Credit score
700+
Income (salaried)
₹2,40,000 p.a.
Income (self-employed)
₹3,60,000 p.a.

Invite-only program; application routed via Amazon.in for pre-qualified users.

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