ICICI Amazon Pay Credit Card: Fees, Rewards & Benefits
Travel card
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One of India's most popular lifetime-free cards, paying an uncapped 5% to Amazon Prime members and 1% elsewhere in never-expiring ₹1-value balance, now with a reduced 1.99% forex markup. The lack of lounge access and reliance on the Amazon ecosystem are its only real limits, and at zero cost it is hard to fault.
Travel card
The Bottom Line
The Amazon Pay ICICI Bank Credit Card is built for amazon prime shopper and no-fee everyday user. With no annual fee, it offers 5% rewards on amazon (shopping) and fuel surcharge waiver. It makes the most sense if your spending matches amazon prime shopper and no-fee everyday user.
It earns a base reward rate of 1% and stacks best when your spending lines up with Amazon Prime shopper, No-fee everyday user.
Who Should Get This Card
Use this as a quick filter before comparing rewards or fees in detail.
Best fit for
IdealPrime members who shop on Amazon.in earn an uncapped 5% in ₹1-value balance with no annual fee, making it near-free value.
Those wanting a zero-cost card with 1% on all spends, never-expiring rewards and a low 1.99% forex markup.
Probably not for
SkipThe card offers no lounge access or travel insurance, so frequent flyers gain nothing here.
Without Amazon spends the card defaults to a plain 1%, undercutting its headline appeal.
Is It Worth It For You?
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Reward Rates
Amazon Pay ICICI Bank Credit Card offers 1% basic reward rate.
Quick Calculator
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Welcome Offer
No fixed, officially-confirmed welcome bonus is listed on the current ICICI product page or FAQ. Some 2026 third-party reviews mention promotional/time-bound activation offers (e.g. 'up to INR 2,500 in value' for non-Prime, richer for Prime), but these are not confirmed in official terms and appear to vary by acquisition channel and period.
Fees & Charges
Eligibility
- Min Income: ₹3.6 Lakhs
- Lifetime free; age 18-60; min monthly income Rs 25K (ICICI customer) or Rs 30K (non-ICICI); 5% cashback for Prime, 3% for non-Prime on Amazon.
Exclusions & Terms
Forex markup
- Foreign currency markup
EMI Transactions
- EMI transactions, EMI-on-call and cash transactions do not earn reward points; points are clawed back if a transaction is converted to EMI after the fact. Merchant 'No Cost EMI' (3-month tenure) is available on Amazon.in but does not itself earn cashback.
International Transactions
- International/forex transactions do not earn reward points, effective Oct 11, 2025, and carry a 1.99% currency conversion markup (reduced from 3.5% as part of the same Oct 11, 2025 revision).
Wallet Load
- A 1% fee applies on Amazon Pay wallet loads of INR 5,000 or more, effective Jan 15, 2026 (per multiple third-party sources); loads below the threshold are fee-free and still earn 1% cashback. Not verbatim-confirmed in the fetched T&C body text (likely sits in the fee/tariff annexure), so recorded at medium confidence for the exact threshold.
Skill Based Gaming
- A 2% fee applies on skill-based gaming transactions, effective Jan 15, 2026, per multiple third-party sources; the official T&C confirms 'Skill Based Gaming' (MCC 5816) as a distinct restricted category but the fetched clause text does not spell out the fee percentage verbatim.
Frequently Asked Questions
2 data-backed answers from our card database
Ready to apply?
No annual fee. Apply on the ICICI Bank website.
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