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Lifetime FreeLast updated: 15 October 2026
Free to apply via CardsGuruji · subject to issuer approval
What you earn on every spend, and the ways you can cash it in.
You earn
Up to 5% Cashback
Earn 5% cashback for Amazon Prime members (and 3% for non-Prime members) on Amazon.in purchases. Earn 2% cashback on payments to 100+ Amazon Pay partner merchants (like Swiggy, Uber, BookMyShow). Earn 1% flat cashback on all other eligible retail and offline spends. Cashback is unlimited and automatically credited as Amazon Pay Balance.
Redeem for
The privileges that come bundled in, beyond the reward points.
Lifetime Free (LTF): Absolutely no joining fee and no annual renewal fee ever
Cashback is automatically credited to your Amazon Pay wallet as a statement balance equivalent after every billing cycle
No Cost EMI offers ranging from 3 to 6 months on a wide variety of products on Amazon.in
Minimum 15% discount on dining at partner restaurants via the ICICI Bank Culinary Treats Programme
1% fuel surcharge waiver at all petrol pumps in India on transactions up to ₹4,000
An honest read on where this card earns its keep — and where it doesn't.
Lifetime free with no hidden maintenance charges
Excellent 5% unlimited cashback for Amazon Prime members
Zero hassle with reward redemption since it automatically credits to Amazon Pay
Solid 1% baseline reward rate for a free, entry-level card
No complimentary domestic or international airport lounge access
Rewards are strictly locked into the Amazon ecosystem (Amazon Pay balance cannot be transferred to a bank account)
Cashback rate drops to 3% if you do not hold an active Amazon Prime membership
Everything the issuer can bill you for, in one place.
Applied only when the situation arises
Charged on any balance you carry forward
Issuer-stated requirements and CardsGuruji guidance are shown separately.
Note: A displayed score is editorial guidance only unless separately identified as an issuer-stated requirement.
See how Amazon Pay ICICI Credit Card stacks up against competing cards on reward rates, annual charges, and milestone perks.
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Everything you need to know about Amazon Pay ICICI Credit Card fees, reward conversion, lounge access, and application eligibility.
Yes, Amazon Pay ICICI Credit Card is issued as a Lifetime Free (LTF) credit card with ₹0 joining fee and ₹0 annual renewal fee. Cardholders do not need to hit an annual spend target to waive the fee. Standard GST is only applicable on interest or fee-based services if incurred.
Amazon Pay ICICI Credit Card earns Cashback at a primary rate of Up to 5% Cashback. Specifically, Earn 5% cashback for Amazon Prime members (and 3% for non-Prime members) on Amazon.in purchases. Earn 2% cashback on payments to 100+ Amazon Pay partner merchants (like Swiggy, Uber, BookMyShow). Earn 1% flat cashback on all other eligible retail and offline spends. Cashback is unlimited and automatically credited as Amazon Pay Balance.. Spends in Shopping, Cashback categories provide the maximum valueback per transaction on this card.
Rewards earned on Amazon Pay ICICI Credit Card can be redeemed for Auto-credited as Amazon Pay Balance (1 CB = ₹1) via ICICI Bank's official rewards portal or mobile banking app. Points typically carry a multi-year validity period, though regular redemption against high-value vouchers or statement balances is advised.
A CIBIL credit score of 720 or above is strongly recommended for approval of Amazon Pay ICICI Credit Card. Applicants should be Indian residents aged 21 to 65 years with a stable monthly income (salaried or self-employed with ITR) and no recent payment defaults or high credit utilization over 30%.
Amazon Pay ICICI Credit Card is issued on the Visa network with worldwide acceptance at over 30 million merchant establishments and online portals. International transactions, contactless tap-to-pay (up to ₹5,000 without PIN), and tokenized payments are supported once enabled in your banking app.
Amazon Pay ICICI Credit Card levies a forex markup fee of 3.5% + GST on transactions processed in foreign currencies. For cross-border shopping and overseas travel, remember that standard 18% GST applies on the markup charge.
Amazon Pay ICICI Credit Card currently features a welcome offer: "Welcome rewards up to ₹2,500 (varies based on ongoing promotions) in the form of Amazon Pay cashback and partner vouchers upon card activation.". To claim this joining perk, cardholders typically need to activate the card and complete a qualifying initial transaction within 30 to 60 days of card issuance.
Key highlights include Lifetime free with no hidden maintenance charges and Excellent 5% unlimited cashback for Amazon Prime members. However, keep in mind that No complimentary domestic or international airport lounge access and Rewards are strictly locked into the Amazon ecosystem (Amazon Pay balance cannot be transferred to a bank account). Overall, Amazon Pay ICICI Credit Card delivers strong value if your regular spending aligns with Shopping, Cashback.
Amazon Pay ICICI Credit Card is focused on Shopping and Cashback valueback and does not include unconditional complimentary airport lounge visits as a core benefit. If lounge access is a deciding factor for your travels, consider pairing this with a dedicated premium travel credit card.
Yes, Amazon Pay ICICI Credit Card includes a 1% fuel surcharge waiver for fuel spends typically between ₹400 and ₹4,000 at all government and private fuel stations in India. (1% fuel surcharge waiver at all petrol pumps in India on transactions up to ₹4). The monthly waiver is subject to a cap, and GST charged on the surcharge is non-refundable.
