Amazon Pay ICICI Bank Credit Card Review
Travel card
The Amazon Pay ICICI Bank is lifetime free (no joining or annual fee). It earns 1% back on regular spends and up to 5% on Amazon.in. Best for: amazon prime shoppers wanting a free everyday card — our verdict: highly recommended.
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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.in (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.
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Welcome Offer
No fixed welcome bonus is listed on the official ICICI product page or in the official T&C. Third-party reviews report time-bound activation offers (e.g. bonus Amazon Pay balance, EazyDiner Prime trials) that vary by acquisition channel/period and are not confirmed officially.
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
- No Reward Points on EMI transactions or EMI-on-call conversions (on Amazon.in and other merchants); if a converted transaction is later moved back out of EMI, points are clawed back.
International Transactions
- No Reward Points on international transactions, effective Oct 11, 2025; a 1.99% forex/DCC markup applies instead (reduced from 3.5% at the same revision).
Wallet Load
- A 1% fee applies on wallet/e-wallet loads (MCC 6540) of INR 5,000 or more, effective Jan 15, 2026 (threshold lowered from INR 10,000); loads under INR 5,000 still earn 1% cashback with no fee. (Medium confidence — reported by third-party trackers, not directly verified in the official T&C text read.)
Frequently Asked Questions
7 data-backed answers from our card database
Ready to apply?
No annual fee. Apply on the ICICI Bank website.
Apply on ICICI Bank →We may earn a commission if you apply through this link. It never affects our ratings.
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