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Amazon Pay ICICI Credit Card Review 2026: Fees, Rewards & Lounge Ac...

Get 5% unlimited cashback on Amazon with the Amazon Pay ICICI Credit Card. Lifetime free, 1.99% forex fee, and spend-based lounge access. Read our 2026 review.

Vyaya Team · Mar 2026
5 min read
Value Score
9.5 / 10
Annual Fee
₹0
Best For
amazon-loyalist, beginner-shopper
Network
Visa
Expert Verdict

The Amazon Pay ICICI Bank Credit Card remains the gold standard for cashback cards in India, especially for Prime members. Its recent reduction in forex markup to 1.99% makes it a viable travel companion, though the new spend-based lounge criteria may disappoint casual travelers.

Amazon Pay ICICI Bank Credit Card credit card by ICICI Bank - Visa network
REWARD SUMMARY
1% Base Rewards
Earn unlimited rewards on every spend, credited as Amazon Pay balance.
← Tap to flip back

The Bottom Line

The Amazon Pay ICICI Bank Credit Card is the Amazon Pay ICICI Bank Credit Card remains the gold standard for cashback cards in India, especially for Prime members. Its recent reduction in forex markup to 1.99% makes it a viable travel companion, though the new spend-based lounge criteria may disappoint casual travelers. With no annual fee, it offers 2,500 bonus points and fuel surcharge waiver. For anyone researching amazon pay icici credit card, the verdict is simple: recommended.

It earns a base reward rate of 1% and stacks best when your spending lines up with amazon-loyalist, beginner-shopper.

What we like
+Unlimited 5% cashback on Amazon.in for Prime members with no upper cap.
+Lifetime free card with zero joining and annual fees forever.
+Rewards are automatically credited as Amazon Pay balance every month.
+Competitive 1.99% forex markup fee for international transactions.
+1% fuel surcharge waiver across all petrol pumps in India.
What we don't
–Cashback is restricted to Amazon Pay balance and cannot be withdrawn as cash.
–Lounge access is now spend-based (₹75,000 per quarter) rather than flat complimentary.
–No rewards on fuel, rent, gold, or EMI transactions.

Who Should Get This Card

Use this as a quick filter before comparing rewards or fees in detail.

Best fit for

Ideal
+
amazon-loyalist

Maximum value for Prime members shopping frequently on Amazon India.

Best value above ₹10,000/month
+
beginner-shopper

Excellent entry-level card with no annual fees and simple reward structure.

Best value above ₹5,000/month

Probably not for

Skip
–
luxury-traveler

Lacks international lounge access and high-end travel perks.

Is It Worth It For You?

Slide to your typical monthly card spend. We'll do the rest.

Calculate Your Value

Adjust your typical monthly spend by category.

🍽️
Dining
0₹5,000Max ₹50k
Est. Returns
✈️
Travel
0₹10,000Max ₹1L
Est. Returns
🛒
Shopping
0₹8,000Max ₹80k
Est. Returns
🥬
Groceries
0₹6,000Max ₹40k
Est. Returns
Annual rewards₹0
Annual feeFREE
Net Value (Year 1)+₹0
Net Value (Year 2+)+₹0

Sign in for personalized estimates based on your actual spending

Reward Rates

Amazon Pay ICICI Bank Credit Card offers 1% basic reward rate.

Quick Calculator

Estimate earnings for a specific purchase

₹
Flat 1% on all spends

Welcome Offer

2500 Bonus Points

Fees & Charges

Joining fee₹0
Annual fee₹0
Fee waiverN/A

Eligibility

  • Min Income: ₹3 Lakhs
  • Min Credit Score: 750
  • Minimum monthly income of ₹25,000 for existing ICICI Bank customers and ₹35,000 for others. Age must be between 18 and 65 years.

Exclusions & Terms

Fuel

    Rent

      Gold/Precious Metals

        EMI Transactions

          Taxes

            Government Services

              Compare with Alternatives

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              View Details
              Annual Fee
              ₹0
              ₹500
              Joining Fee
              ₹0
              ₹500
              Reward Rate
              1%
              1%
              Network
              Visa
              Visa
              Best For
              amazon-loyalistbeginner-shopper
              Flipkart & Myntra LoyalistsLifestyle Spenders

              Frequently Asked Questions

              3 data-backed answers from our card database

              Is the Amazon Pay ICICI Credit Card free for life?+

              Yes, the card has zero joining fees and zero annual fees for the lifetime of the cardholder.

              How do I get 5% cashback on Amazon?+

              You must be an active Amazon Prime member to earn 5% cashback. Non-Prime members earn 3% cashback on Amazon.in purchases.

              Does this card offer airport lounge access?+

              Yes, effective 2025, cardholders get 1 complimentary domestic lounge access per quarter, provided they spend at least ₹75,000 in the previous calendar quarter.

              Ready to apply?

              ₹0 fee. Excellent rewards. Apply now securely.

              Apply on ICICI Bank →

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