All You Need to Know About the ICICI Amazon Pay Credit Card: Benefits, Eligibility, and FAQs
If you’re someone who shops frequently on Amazon, having a credit card that rewards your spending can help you save more. The ICICI Amazon Pay Credit Card is tailored for regular online shoppers, especially those who rely heavily on Amazon for their purchases. With zero annual charges and cashback rewards, this card offers excellent value for everyday spending.
Let’s explore the features, benefits, eligibility criteria, and frequently asked questions about this credit card.
Overview: What is the ICICI Amazon Pay Credit Card?
The Amazon Pay Credit Card is a product offered by ICICI Bank in partnership with Amazon and operates on the Visa network. It is crafted to give users a seamless and rewarding shopping experience by offering cashback directly in the form of Amazon Pay balance, which can later be used for a variety of purchases.
This card comes with no joining fee or annual maintenance cost, making it a preferred option for budget-conscious customers looking to maximize their online purchases.
Main Benefits and Features
1. Zero Charges for Lifetime
This credit card does not come with any joining or yearly renewal charges. It’s absolutely free to hold and use.
2. Attractive Cashback Rewards
Users can enjoy cashback in the form of Amazon Pay balance:
- 5% cashback on Amazon purchases (for Prime users)
- 3% cashback on Amazon (for non-Prime users)
- 2% cashback at Amazon Pay partner merchants
- 1% cashback on all other eligible transactions
3. Quick Online Application
Amazon customers can apply directly through the Amazon app. The entire process is digital, and many users receive instant approval along with a virtual card.
4. Fuel Surcharge Waiver
Enjoy a 1% waiver on fuel surcharge at petrol stations across India for transactions between ₹400 and ₹4,000.
5. Wide Acceptance
This card is accepted at all merchants that accept Visa cards, both in India and abroad.
Who Should Consider This Card?
This credit card is ideal for:
- Regular Amazon customers
- Amazon Prime members seeking more rewards
- Digital-savvy users who prefer cashless and online payments
- Individuals looking for a no-cost credit card
How to Apply for the Card
Here’s how you can apply:
- Log in to your Amazon India account.
- Go to the Amazon Pay Credit Card section.
- Click “Apply Now” and fill out the application form.
- Complete KYC verification if prompted.
- Once approved, your digital card will be activated immediately. The physical card will be dispatched shortly.
Eligibility Criteria
To be eligible for the ICICI Amazon Pay Credit Card, you should:
- Be an Indian resident
- Be at least 21 years of age
- Have a regular source of income
- Possess a valid PAN and Aadhaar
- Maintain a good credit score (CIBIL or Experian)
Pros and Cons
Advantages:
- No annual or joining charges
- Cashback is directly added to your Amazon Pay balance
- Digital card issuance within minutes
- Suitable for online spending habits
Disadvantages:
- Less rewarding for offline or non-Amazon purchases
- No lounge access or travel perks
- No points system, only cashback
Final Thoughts
If you regularly shop online, especially on Amazon, this card is a practical option. Its zero-cost ownership and real cashback rewards make it suitable for salaried professionals, students with income, and even homemakers with Amazon shopping needs. Though it doesn’t come with premium travel benefits, it does its job brilliantly when it comes to saving money on online transactions.
Frequently Asked Questions (FAQs)
- Does this card have any joining or annual fees?
No, it’s completely free for a lifetime. - Is Amazon Prime membership mandatory to get this card?
No, but Prime members enjoy higher cashback on Amazon purchases. - How is cashback credited?
It is added to your Amazon Pay balance in the following billing cycle. - Can I apply if I don’t have an ICICI account?
Yes, an existing relationship with ICICI Bank is not necessary. - Is there a limit to cashback?
No, there is no monthly or yearly cap on cashback earnings. - What documents are required to apply?
You’ll need a PAN card, Aadhaar, and proof of income or identity. - Can I use this card outside Amazon?
Yes, you earn 1% cashback on all other transactions. - Is this card accepted for offline purchases?
Yes, it works like any regular Visa credit card. - How to track card transactions?
Use the ICICI iMobile app or Amazon Pay card dashboard. - Does it offer EMI options?
Yes, eligible transactions can be converted into EMIs. - How long does it take to receive the card?
The digital card is instant; the physical one arrives in 7–10 days. - Is the cashback transferable to a bank account?
No, it can only be used for Amazon Pay-supported services. - Does it offer any insurance or travel benefits?
No, the card does not come with travel or insurance perks. - What is the interest-free period?
Up to 48 days, depending on the billing cycle. - What’s the fuel surcharge waiver limit?
It applies to fuel spends between ₹400 and ₹4,000 per transaction. - Is this card suitable for students?
Only if they have a regular income and meet credit criteria. - Can I change my billing cycle?
Yes, by contacting ICICI customer care. - How to block the card if lost?
Use the iMobile app or call ICICI’s helpline immediately. - Will the card affect my credit score?
Only if you miss payments or exceed your limit. - Can I upgrade to a premium version?
Currently, there’s no premium version of this specific card.
