Introduction
The ICICI Amazon Pay Credit Card has become one of the most popular co-branded cards in India, especially for those who shop frequently on Amazon. With its lifetime free structure, easy reward redemption, and simple benefits, this card is designed to make online as well as offline spending more rewarding. Let’s take a closer look at what makes this card stand out.
- No Joining or Annual Fee
One of the biggest attractions of this card is that it comes with zero joining fee and zero annual renewal fee. Unlike many cards that charge yearly maintenance, this one is completely free for life. That makes it a great option for beginners who want to build their credit score without worrying about hidden charges.
- Cashback Benefits
The highlight of this card is its cashback system, which is credited as Amazon Pay balance. The cashback is simple, transparent, and does not come with expiry dates.
Here’s how it works:
Shopping on Amazon
Prime members get 5% cashback.
Non-Prime members get 3% cashback.
Payments on Amazon Pay Partner Merchants
Earn 2% cashback when you pay using Amazon Pay at partner stores like food delivery apps, travel portals, or retail outlets.
All Other Purchases
Get 1% cashback on every spend, whether online or offline.
This makes the card especially rewarding for Amazon Prime users, who get one of the highest cashback rates in the market.
- Additional Perks
Apart from cashback, the ICICI Amazon Pay Credit Card also offers some useful add-ons:
Fuel Surcharge Waiver: 1% waiver on fuel transactions across petrol pumps in India.
Dining Benefits: Discounts of at least 15% at partner restaurants under the ICICI Culinary Treats program.
Safety and Security: The card is chip and PIN enabled, with 3D Secure verification for safe online transactions.
No Expiry on Rewards: Cashback earned has no time limit and can be redeemed anytime through Amazon Pay balance.
- Eligibility and Application
The application process is usually digital and hassle-free. In most cases, customers receive an invite through Amazon or can apply via the bank’s website.
General eligibility criteria include:
Age: 18 to 60 years
Minimum income requirement (varies for ICICI customers and non-customers)
A good credit score, ideally 750 or above
Standard ID, address, and income proof documents
On approval, you may receive a virtual card instantly for online purchases, followed by the physical card.
- Things to Keep in Mind
While this card is extremely popular, there are a few points worth considering:
Rewards are best maximized by Amazon Prime members.
Cashback is limited outside of Amazon and partner merchants (only 1%).
Some large or unusual transactions may face delays in reward credit due to security checks.
Co-branded cards are often excluded from certain promotional offers available on other ICICI cards.
- Is It the Right Card for You?
The ICICI Amazon Pay Credit Card is a perfect match if:
You are a regular Amazon shopper.
You hold a Prime membership and want to maximize the 5% cashback.
You prefer a no-cost credit card with lifetime free benefits.
You want a beginner-friendly card to start building your credit history.
However, if most of your spending happens outside Amazon, you may want to pair this card with another one that gives broader rewards on travel, fuel, or lifestyle categories.
Final Thoughts
In a market filled with credit cards that come with annual fees and complicated reward structures, the ICICI Amazon Pay Credit Card offers a simple, lifetime-free solution with direct cashback benefits. For Prime members, it’s almost a no-brainer because of the 5% reward rate on Amazon purchases.
Overall, this card is best for digital shoppers and Amazon loyalists who want to earn cashback effortlessly without worrying about hidden costs.
