Amazon Pay ICICI Bank Credit Card review
ICICI Bank · Visa · cashback Official sources Checked 30 Oct 2026
At a glance
- Annual fee
- ₹0
- Joining fee
- ₹0
- Fee waiver
- Not needed (no annual fee)
- Base return
- 1% base
- Point value
- ₹1 per point
- Domestic lounge
- None found
- International lounge
- None found
Estimated net value a year
| Profile | Net | % of spend |
|---|---|---|
| First card, light spender ₹15k a month | ₹1,696 | 1.0% |
| Metro salaried ₹60k a month | ₹8,718 | 1.2% |
| Family household ₹80k a month | ₹9,468 | 1.0% |
| Frequent flyer ₹1.5L a month | ₹18,384 | 1.0% |
| Online shopper ₹50k a month | ₹11,616 | 1.9% |
| Rent-heavy ₹90k a month | ₹1,884 | 0.2% |
Fee maths: There is no annual fee to recover, so value depends only on how much of your spend lands in rewarded categories. On our 6 profiles it nets from ₹1,696 (first card, light spender) to ₹18,384 (frequent flyer), equal to 0.2% to 1.9% of spend across the profiles.
After fees and caps, best-case redemption. Use your own spend.
Our take: Lifetime free, with 5% back on Amazon.in for Prime members (3% otherwise) and 1% elsewhere. It is a good second card for heavy Amazon buyers, but a plain 1% outside Amazon means it will not be your main card. The 2% partner-merchant rate on the product page is not backed by the terms we read, so we count it only on a small share of your spending and flag it as unverified.
From the card's terms: strengths
- No annual fee
- Strong category-wide rate: about 5% on Amazon
Reward rates and caps
| Spend category | Points per ₹100 | Value per ₹100 | Cap | Notes |
|---|---|---|---|---|
| International (foreign currency) | 0 | ₹0 | No cap found | International spends excluded (T&C). |
| Amazon | 5 | ₹5 | No cap found | 5% Prime / 3% non-Prime on www.amazon.in (excl. gold coins via Amazon Pay); unlimited per official page and T&C. |
| Other online shopping, Groceries, Dining & food delivery, Entertainment & OTT, Flights & hotels | 2 | ₹2 | No cap found | 2% applies only when you pay via 'Login and Pay with Amazon Pay' (Amazon Pay checkout) on Amazon Pay partner sites (100+ merchants) or for digitally fulfilled categories (recharges, bill payments) and physical gift cards (official T&C item 9 + ICICI product page FAQ). Normal card swipe/checkout at the same merchants earns 1%. Share lowered 0.3 -> 0.1 to reflect the narrow condition. |
| Bills & utilities | 0 | ₹0 | No cap found | 2% only for bill payments made on Amazon Pay; utility transactions outside Amazon earn nothing from 11 Oct 2025 (official T&C). |
| Fuel, Rent | 0 | ₹0 | No cap found | No rewards; fuel gets only 1% surcharge waiver |
| Everything else | 1 | ₹1 | No cap found | 1% on all other eligible domestic spends (incl. insurance, non-tax government) |
Point value: Cashback credited as Amazon Pay balance (usable on Amazon/Amazon Pay only), 1 = ₹1
Excluded or reduced
- fuel
- rent (from 18 Jun 2024)
- EMI and EMI conversions
- cash advances
- education (from 11 Oct 2025)
- international transactions (from 11 Oct 2025)
- gold/silver/precious metals
- tax payments
- utility bills outside Amazon (from 11 Oct 2025)
- tax-related payments
Other benefits
- Welcome: None confirmed (official page testimonial mentions ₹200 instant cashback but unverified)
- Renewal: None (lifetime free)
- Forex markup 1.99% (cut from 3.5% on 11 Oct 2025)
- 1% fuel surcharge waiver
- Fees from 15 Jan 2026: 1% on wallet loads >=₹5,000, 2% on skill gaming, 1% on transport >₹50,000
Eligibility
Indian resident, age 21+, salaried/self-employed, income ₹30,000/month (salaried per aggregator, official says min ₹30,000) indicative: check the application page
Where it ranks
Compare
- Amazon Pay ICICI Bank Credit Card vs Flipkart Axis Bank Credit Card
- Amazon Pay ICICI Bank Credit Card vs Cashback SBI Card
- Amazon Pay ICICI Bank Credit Card vs Axis Bank ACE Credit Card
- Amazon Pay ICICI Bank Credit Card vs HDFC Millennia
- Amazon Pay ICICI Bank Credit Card vs SimplyCLICK SBI Card
- Amazon Pay ICICI Bank Credit Card vs Tata Neu Infinity HDFC Bank
Related guides
- How to read a credit card MITC
- Fuel surcharge waivers explained
- Paying rent with a credit card
- Fees on rent, wallet, utility, fuel and education spends
- Forex markup and using a card abroad
- Credit card devaluations and what to do
FAQ
What is the annual fee of the Amazon Pay ICICI Bank Credit Card?
No annual fee. Fees exclude 18% GST.
How do Amazon Pay ICICI Bank Credit Card rewards work?
1% base, up to 5% on Amazon. Cashback credited as Amazon Pay balance (usable on Amazon/Amazon Pay only), 1 = ₹1
Does the Amazon Pay ICICI Bank Credit Card give airport lounge access?
We did not find lounge access on this card in the sources we checked.
Who is the Amazon Pay ICICI Bank Credit Card best suited to?
Lifetime free, with 5% back on Amazon.in for Prime members (3% otherwise) and 1% elsewhere. It is a good second card for heavy Amazon buyers, but a plain 1% outside Amazon means it will not be your main card. The 2% partner-merchant rate on the product page is not backed by the terms we read, so we count it only on a small share of your spending and flag it as unverified. There is no annual fee to recover, so value depends only on how much of your spend lands in rewarded categories. On our 6 profiles it nets from ₹1,696 (first card, light spender) to ₹18,384 (frequent flyer), equal to 0.2% to 1.9% of spend across the profiles.
Sources
- Amazon Pay ICICI Terms and Conditions, last updated 12 Oct 2026 (official PDF) official fetched 2026-10-29
- ICICI Bank MITC for Amazon Pay credit card (official PDF) official fetched 2026-10-29
- ICICI Bank official Amazon Pay card page official fetched 2026-10-29
- CardAdvisor Amazon Pay ICICI aggregator fetched 2026-10-29
Not financial advice. Figures are estimates from published terms and may be outdated; confirm with ICICI Bank before you apply. Methodology.
