Amazon Pay ICICI Credit Card

creditVisaPlatinum

5% cashback on Amazon for Prime; 1% elsewhere; no annual fee

Score breakdown

Data completeness: 100% · Last verified: 06 Jul 2026

Reward value43/100 · weight 65%

≈ 2.09% effective on the standard basket (eligible spend only)

Wide-coverage rewards: +2.6% score bonus — earns broadly without narrow category restrictions.

Fee efficiency100/100 · weight 11%

Redemption flexibility58/100 · weight 8%

Perks10/100 · weight 8%

Devaluation risk70/100 · weight 8%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee: —
Annual fee: Lifetime free
Forex markup: 1.99%

Lounge access

Domestic (per year): 0
International (per year): 0

Confirmed devaluation alerts

No confirmed devaluations tracked for this card. That doesn't mean none exist — see the neutral 70/100 devaluation-risk sub-score above.

Reward structure

Category	Type	Rate	Cap	Notes
online_spends	cashback	5%	—	5% for Prime, 3% for non-Prime on Amazon.in
online_spends	cashback	3%	—	3% cashback for Non-Prime members on Amazon purchases.
utilities	cashback	2%	—	2% on Amazon Pay partner bill payments & recharges
all_spends	cashback	1%	—	1% on all other spends (excluding fuel, rent, wallet)

No rewards on

These categories earn zero rewards on this card. Reward score is scaled down by up to −5%, proportional to how much of the standard basket sits in the excluded categories (v4.3 formula).

fuelgoldsilverprecious metalsemi on amazonrentgovernmenttaxeducationinsuranceinternationalwallet loadutility outside amazon pay

Point value by redemption mode

1 reward point is worth different amounts depending on how you redeem — the headline reward % only holds at the best tier.

amazon pay balance

1 RP = ₹1.00

Welcome offer

Perks and discounts worth up to ₹2,500 including EazyDiner membership, Amazon Prime discounts, and various cashback offers on recharges and bills.

Pros

No joining and annual fees
Unlimited and never-expiring reward points
Low International Forex mark-up fee of 1.99%

Cons

Primarily beneficial for the Amazon ecosystem; benefits on other platforms or offline are limited to 1%.
Lacks premium lifestyle features such as airport lounge access, golf perks, or entertainment benefits.
Reward rate for Non-Prime members (3%) is significantly lower than for Prime members.

What's inside

Travel privileges

Low Forex Markup
1.99% forex markup on international transactions.

Earn every day

Fuel Surcharge Waiver
1% fuel surcharge waiver at eligible fuel stations.

Eligibility

min age: 21
min monthly income: ₹20,000

Small print

Redemption fee: ₹0 / redemption