Verified by CardAgent admin · last checked 08 Jul 2026
ICICI Bank

Amazon Pay ICICI Credit Card

51
Ranked #28 of 170 in credit
creditVisaPlatinum

ICICI-Amazon co-branded lifetime-free cashback card, one of India's most popular entry-level cards for Amazon shoppers, with simple auto-credited cashback to Amazon Pay balance.

Score breakdown

Data completeness: 100% · Last verified: 09 Jul 2026

Reward value42/100 · weight 71%
2.06% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +2.5% score bonus — earns broadly without narrow category restrictions.
Fee efficiency100/100 · weight 12%
Redemption flexibility92/100 · weight 9%
Perks10/100 · weight 9%

Fees

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

Joining fee
Annual fee
Lifetime free
Waiver: Lifetime free - no joining or annual fee ever
Forex markup
1.99%

Lounge access

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

Reward structure

CategoryTypeRateCapNotes
online_spendscashback5%5% for Prime, 3% for non-Prime on Amazon.in
online_shoppingcashback5%5% cashback on Amazon.in for Prime members (3% non-Prime); credited as Amazon Pay balance
utilitiescashback2%2% on Amazon Pay partner bill payments & recharges
all_spendscashback1%1% cashback on most other eligible transactions

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

Welcome offer

Welcome rewards worth up to Rs 2,500 for Prime members / Rs 1,500 + 3 months Amazon Prime for non-Prime (offer varies periodically)

Pros

  • True lifetime free card, zero fees ever
  • 5% cashback on Amazon.in for Prime members (3% non-Prime)
  • 2% on 100+ Amazon Pay partner merchants
  • 1% on virtually all other spends
  • no expiry on rewards
  • automatic redemption, no manual steps

Cons

  • Cashback locked into Amazon Pay ecosystem (not statement credit or cash)
  • no lounge access
  • no insurance benefits
  • no entertainment perks
  • 5% rate requires active Prime membership

What's inside

More benefits

  • Fuel Surcharge Waiver

    1% fuel surcharge waiver at eligible fuel stations.

  • Low Forex Markup

    1.99% forex markup on international transactions.

  • Amazon Prime cashback boost

    5% cashback on Amazon.in for Prime members (2% for non-Prime)

    unlimited. Amazon.in purchases

Insurance cover

text
NaN

Eligibility

text
Age 18-60; min monthly income Rs 25,000 (existing ICICI customers) or Rs 30,000-35,000 (new customers); credit score 750+

Small print

Redemption fee
0 / redemption
Fuel surcharge:1% fuel surcharge waiver on Rs 400-Rs 4,000 transactions, max Rs 400/statement cycle; no cashback on fuel spends