If you shop on Amazon regularly, you’ve probably seen the Amazon Pay ICICI Credit Card pop up at checkout. And for good reason — it gives you 5% back on every Amazon purchase. That’s one of the better cashback rates you’ll find on any free credit card right now.
But is it the right card for you? Let’s go through what this card actually offers, who can get it, and a few things to watch out for before applying.
Who Can Apply For Amazon Pay ICICI Credit Card?
The eligibility requirements for Amazon Pay ICICI Credit Card are pretty standard:
- Age: You need to be at least 21 years old.
- Income: At least ₹15,000 gross monthly income if you live in a metro city. For non-metro cities, the minimum drops to ₹12,000.
- Credit Score: A score above 750 puts you in a good spot. Lower scores can still get approved, but chances are slimmer.
- Existing ICICI cardholders: Already have an ICICI credit card? You can apply for this one as a second card without any issue.
If you tick these boxes and have a clean repayment history, approval usually isn’t a problem.
Amazon Pay ICICI Credit Card: Fees and Charges
Here’s the short version: Amazon Pay ICICI Credit Card costs you nothing to get or keep.
| Fee | Amount |
|---|---|
| Joining fee | ₹0 (NIL) |
| Annual fee | ₹0 (NIL) |
| Add-on card fee | ₹0 (NIL) |
| Renewal fee | ₹0 (NIL) |
The fees you do need to know about:
- Cash advance: 2.5% of the amount, with a minimum of ₹500
- Late payment: Up to ₹800 per instance
- Overlimit: ₹800 per instance
- Returned cheque/SI: ₹500 per returned payment
One more thing — if you carry a balance, interest kicks in at 3.4% per month (that’s 40.8% per year), calculated from the transaction date. So pay your full bill every month. It’s really the only way this card makes sense financially.
Amazon Pay ICICI Credit Card Benefits
These are the top benefits of Amazon Pay ICICI Credit Card :-
- 5% cashback on Amazon.in for Amazon Prime members
- 3% cashback on Amazon.in for non-Prime members
- 2% cashback on Amazon Pay payments at partner merchants
- 1% cashback on all other spending
- No annual or joining fee — ever
- 1% fuel surcharge waiver at petrol pumps across India
- ₹1,000 welcome gift voucher when you get the card
- 1 year of Amazon Prime free (for new Prime users)
- No-cost EMI on Amazon.in purchases
- Reward points never expire — use them whenever you want
Cashback gets added to your Amazon Pay Balance within two working days after your statement date. It’s not instant, but it’s consistent.
How to Apply for Amazon Pay ICICI Credit Card?
The whole process is online and takes maybe 10–15 minutes.
- Check eligibility first — Make sure you meet the age, income, and credit score requirements before applying.
- Apply on Amazon.in — Head to the credit card section on Amazon’s website and fill out the form. You’ll need your name, PAN, contact details, and income info.
- Upload your KYC documents — This includes identity proof, address proof, and income documents. Everything is uploaded digitally.
- Wait for the card — If approved, the card reaches you within 7 working days. Activate it via SMS, phone call, or netbanking.
No branch visits, no paperwork, no waiting in lines.
The Good and the Not-So-Good
What works well:
The 5% cashback on Amazon is genuinely useful if you’re already spending there regularly. A lifetime-free card with no fees is rare, and this one delivers that. The ₹1,000 welcome voucher and one free year of Prime are solid bonuses right out of the gate.
What to keep in mind:
Outside of Amazon and Amazon Pay, the rewards rate drops to 1%. If you shop at physical stores or use multiple platforms, you might earn more with a different card. Also, cashback comes after your billing cycle closes — not right away. Not a dealbreaker, but worth knowing.
Common Questions
Yes, it supports tap-to-pay (contactless).
No. There’s no expiry date on your rewards.
You can pay via cash, cheque, demand draft, auto-debit, net banking, or NEFT/Click to Pay.
Yes. Log into Amazon, go to Payment Options, click “Add a new card,” and enter your card details. Once saved, it works like any other payment method on the platform.
Your earnings show up as Amazon Pay Balance in your Amazon account. You can use that balance for any transaction on Amazon or Amazon Pay.
Call ICICI credit card customer care at 1800 102 0123 from your registered mobile number.
Bottom Line
The Amazon Pay ICICI Credit Card is a solid no-brainer for frequent Amazon shoppers. No fees, a high cashback rate on Amazon purchases, and decent perks on top of that. If Amazon is where most of your online spending happens, this card pays for itself quickly.
That said, if your spending is spread across platforms or you buy a lot offline, you’ll probably hit the 1% rate more often than the 5% one. In that case, it might make sense to pair this with another card — or look at a different option altogether.
But as a free card that rewards Amazon loyalty? It’s hard to beat.
