The Amazon Pay ICICI Bank Credit Card has become one of the most popular credit cards in India. The combination of a lifetime free card, straightforward cashback and the growing popularity of Amazon has helped it become one of India’s most popular cashback credit cards.
The card’s biggest attraction is the unlimited cashback on Amazon purchases. Amazon Prime members earn 5% cashback on eligible spends, while non-Prime members earn 3%. If you spend ₹1 lakh on Amazon, that’s ₹5000 back for Prime members without having to worry about reward point conversions or redemption values.
The Amazon Pay ICICI Credit Card also rewards everyday spending. Cardholders earn 2% cashback on purchases made through select Amazon Pay partner merchants and 1% cashback on most other eligible transactions, including utility payments, insurance premiums and regular offline spending.
What makes the card stand out is its simplicity. There are no reward points to track, no complicated redemption process and no annual fee to justify. Cashback is directly credited to your Amazon Pay balance and can be used for future purchases, bill payments and other transactions.
In this review, we take a closer look at the Amazon Pay ICICI Bank Credit Card, its cashback structure, benefits, fees, eligibility criteria, and whether it is still worth getting in 2026.
Applying for the Amazon Pay ICICI Bank Credit Card
Applying for the Amazon Pay ICICI Bank Credit Card is one of the smoothest credit card application experiences in India. Existing ICICI Bank credit card holders have it even easier. All you need to do is enter your existing ICICI credit card details, complete the authentication process and Amazon will instantly check your eligibility.
If you have an ICICI Bank credit card like Coral or Sapphiro, the approval process is often completed within minutes. Once approved, a digital Amazon Pay ICICI Credit Card is generated almost instantly and becomes visible in ICICI Bank’s iMobile app and Internet Banking portal.
Amazon Pay ICICI Bank Credit Card Eligibility
The Amazon Pay ICICI Bank Credit Card is available through the Amazon app and website, subject to approval by ICICI Bank. While the card is often offered on an invitation basis, meeting the basic eligibility requirements does not guarantee approval.
To apply for the card, applicants should:
- Be at least 18 years old
- Be an Indian resident
- Have a valid PAN and Aadhaar
- Maintain a good credit history and credit score
- Meet ICICI Bank’s internal income and risk assessment criteria
Existing ICICI Bank customers may find the application process quicker, but holding an ICICI Bank account or credit card is not mandatory.
Amazon Pay ICICI Credit Card Fees
The Amazon Pay ICICI Bank Credit Card continues to be one of the few truly lifetime free credit cards in India. There is no joining fee, no annual fee and no spending requirement to keep the card free. This makes it an easy card to hold for the long term, especially for those who regularly shop on Amazon.
The lack of annual fees is a major advantage over several competing cashback cards. You can earn cashback year after year without worrying about recovering card charges through your spending.
Amazon and ICICI Bank also offer welcome rewards for new cardholders from time to time. The exact offer changes periodically, but new applicants can currently receive welcome rewards worth up to ₹2500, along with additional partner benefits such as EazyDiner membership. Since these offers are promotional in nature, it is always worth checking the latest offer on the application page before applying.
| Fee Type | Details |
|---|---|
| Joining Fee | NIL (Lifetime Free) |
| Annual Fee | NIL (Lifetime Free) |
| Welcome Benefits* | Rewards worth up to ₹2500 for eligible applicants, plus partner benefits such as EazyDiner membership (subject to ongoing offers) |
*Welcome benefits are promotional and may change at any time. Refer to the latest Amazon application page for current details.
Amazon Pay ICICI Bank Credit Card Rewards & Cashback
The Amazon Pay ICICI Bank Credit Card remains one of the best cashback credit cards in India for Amazon shoppers. Its rewards program is simple. There are no reward points to track, no redemption requests to make and no reward expiry dates to worry about. Cashback earned on the card is automatically credited to your Amazon Pay balance after every billing cycle.
The card offers its highest rewards on Amazon India purchases. Amazon Prime members earn unlimited 5% cashback on eligible Amazon shopping, while non-Prime members earn unlimited 3% cashback. Prime members also earn 5% cashback on eligible flight and hotel bookings made through Amazon Pay.
Outside Amazon, cardholders earn 2% cashback on transactions made using Amazon Pay at eligible partner merchants and on select Amazon Pay categories. Most other eligible online and offline transactions earn 1% cashback. There is no cap on cashback earnings, making the card particularly rewarding for heavy Amazon users.
| Spend Category | Cashback Rate |
|---|---|
| Amazon India Purchases | 5% for Prime members 3% for non-Prime members |
| Flights & Hotels Booked via Amazon Pay | 5% for Prime members 3% for non-Prime members |
| Eligible Amazon Pay Partner Merchants | 2% |
| Select Amazon Pay Categories (Bill Payments, Recharges, Gift Cards, etc.) | 2% |
| All Other Eligible Online & Offline Spends | 1% |
| Fuel Transactions | No Cashback (1% fuel surcharge waiver available) |
Amazon Pay ICICI Bank Credit Card Cashback Exclusions
While the Amazon Pay ICICI Bank Credit Card offers attractive cashback rates, certain transactions do not earn cashback rewards. Common exclusions include:
- Fuel transactions
- EMI purchases and EMI conversions
- Rent payments
- Tax payments
- Education payments
- International transactions made outside Amazon India
- Amazon Business purchases
- Physical and digital gold purchases on Amazon
Amazon Pay ICICI Bank Credit Card Cashback Redemption
One of the best features of the Amazon Pay ICICI Bank Credit Card is its hassle-free cashback redemption process. Unlike many rewards credit cards that require manual redemption, point conversions or minimum redemption thresholds, cashback earned on this card is credited automatically to your Amazon Pay balance.
At the end of every billing cycle, the cashback earned during the statement period is transferred directly to your Amazon Pay account. You also receive an email confirmation from Amazon once the cashback has been credited.
Another major advantage is that there is no upper limit on cashback earnings. Whether you earn ₹100 or ₹10,000 in cashback, the full amount is credited without any redemption fee, processing charge or restrictions on the amount that can be redeemed.
The Amazon Pay balance can be used across a wide range of categories, including:
- Shopping on Amazon India
- Utility bill payments
- Mobile and DTH recharges
- Travel and flight bookings
- Merchant payments through Amazon Pay
We like the fact that cashback is credited automatically and there is no minimum redemption requirement. Many credit cards force users to accumulate points and manually redeem them, which is not the case here.
That said, the cashback is locked into the Amazon Pay ecosystem. While Amazon Pay is widely accepted and useful for most users, a statement credit or direct cashback option would have made the rewards even more flexible. Cards such as the Flipkart Axis Bank Credit Card offer that flexibility in how cashback can be utilized.
Even with this limitation, the Amazon Pay ICICI Bank Credit Card has one of the simplest and most rewarding cashback redemption systems among lifetime free credit cards in India.
Amazon Pay ICICI Bank Credit Card Fuel Surcharge Waiver
| Benefit | Details |
|---|---|
| Fuel Surcharge Waiver | 1% |
| Eligible Transaction Size | ₹400 to ₹4000 |
| Maximum Waiver | ₹400 per statement cycle |
Pros & Cons of Amazon Pay ICICI Credit Card
- Lifetime free credit card with no joining or annual fee
- Unlimited 5% cashback on Amazon India purchases for Prime members
- Unlimited 3% cashback on Amazon India purchases for non-Prime members
- Up to 5% cashback on eligible flights and hotels booked via Amazon Pay
- 2% cashback on eligible Amazon Pay partner merchants
- 1% cashback on most online and offline transactions
- Automatic cashback credit to Amazon Pay balance
- No cashback cap, redemption fee or reward expiry
- Eligible for Amazon sale offers and ICICI Bank promotions
- Simple application process with instant approval for many users
- Best rewards are limited to Amazon and Amazon Pay spends
- Cashback cannot be redeemed as statement credit or bank transfer
- Only 1% cashback on most non-Amazon transactions
- No airport lounge access benefit
- No golf, concierge or premium travel privileges
- No milestone rewards for high spenders
- Fuel transactions do not earn cashback
Amazon Pay ICICI Bank Credit Card vs Other Cashback Credit Cards
If you hold multiple cashback credit cards, choosing the right card for each transaction can significantly improve your overall rewards. To make things easier, we have compared the cashback rates of leading cashback credit cards across popular spending categories.
Use the comparison table below to see which card offers the highest cashback for Amazon shopping, Flipkart purchases, utility bill payments, travel bookings, online transactions and everyday spending. This should help you identify the best cashback credit card for your spending pattern and maximize your rewards.
Amazon Pay ICICI Bank Credit Card Review: Should You Get It?
Yes, for most Amazon shoppers.
The Amazon Pay ICICI Bank Credit Card offers unlimited 5% cashback on Amazon India purchases for Prime members, unlimited 3% cashback for non-Prime members and 1% cashback on most other eligible spends. Since the card is lifetime free, every rupee earned is a net gain.
The biggest advantage is its simplicity. There are no reward points, no redemption hassles and no annual fee. Cashback is automatically credited to your Amazon Pay balance after every billing cycle.
While premium cards such as HDFC Infinia and Diners Club Black can offer higher rewards on Amazon spends, they come with much higher eligibility requirements and annual fees. The Amazon Pay ICICI Bank Credit Card is easier to get and easier to use.
Who Should Get the Amazon Pay ICICI Bank Credit Card?
The Amazon Pay ICICI Bank Credit Card is best suited for:
- Amazon Prime members
- Frequent Amazon shoppers
- Users looking for a lifetime free credit card
- Cashback-focused users
- First-time credit card holders
If most of your online spending happens on Amazon, few lifetime free credit cards can match the value offered by the Amazon Pay ICICI Bank Credit Card.
Our Verdict
The Amazon Pay ICICI Bank Credit Card remains one of the best cashback credit cards in India and arguably the best lifetime free credit card for Amazon shoppers.
Unlimited 5% cashback for Prime members, automatic cashback redemption and zero annual fees make it a compelling choice for both beginners and experienced credit card users.
If Amazon accounts for a significant share of your online spending, this card is easy to recommend in 2026.
Amazon Pay ICICI Bank Credit Card FAQs
Yes, the Amazon Pay ICICI Bank Credit Card is a lifetime free credit card. There is no joining fee, annual fee, or renewal fee required to keep the card active.
Amazon Prime members earn 5% cashback on eligible Amazon India purchases and travel bookings, while non-Prime members earn 3% cashback. The card also offers 2% cashback at Amazon Pay partner merchants and 1% cashback on most other online and offline transactions.
No. The Amazon Pay ICICI Bank Credit Card offers unlimited cashback. There is no monthly or annual cap on the total amount of cashback you can earn.
Cashback earned during a billing cycle is automatically calculated and credited as Amazon Pay balance to your linked Amazon account within 2 to 3 days after your monthly credit card statement is generated. No manual redemption steps or fees apply.
No. The earnings are strictly credited as Amazon Pay balance. They cannot be used as a direct statement credit to pay off your credit card bill, nor can they be transferred to a bank account or withdrawn as cash.
No, fuel transactions do not earn cashback rewards. However, you receive a 1% fuel surcharge waiver on transactions ranging between ₹400 and ₹4,000, capped up to ₹400 per statement cycle.
No. Both Prime and non-Prime users are fully eligible to apply for this card. However, your account tier determines your shopping cashback rate (5% for Prime users vs. 3% for non-Prime users).
For frequent Amazon shoppers—especially Prime members—it stands as one of the absolute best lifetime free cashback cards available. The continuous 5% return structure without caps or maintenance milestone requirements offers excellent long-term value for everyday domestic utility and retail usage.
The Amazon Pay ICICI card is superior if you want a true lifetime free card without spending milestone targets and shop heavily on Amazon. The Flipkart Axis Bank card is better if your spending is heavily weighted toward Flipkart and you prefer rewards to clear directly against your monthly card statement rather than a wallet balance.
Amazon Pay ICICI Bank Credit Card
Does ICICI Amazon pay provides cashback on Offline Jeweler shops (Retail showroom) at 1% cashback rates? Kindly share your recent experience
Yes, it is included for 1% rewards.
*STRANGE*
For some reason I am unable to apply for ICICI AMA card via amazon, ‘apply now’ option is grade out. I called both Amazon and ICICI but still they have no clue, whereas on the other hand all my friend and families are eligible. Even I opened a brand new ac for my father and he was eligible instantly, but I’m not.
Now can I apply for the same card using my secondary mobile number and secondary mail ID with same govt ID’s as proof?
Yes
If u use Amazon ICICI credit card for online purchase on other website and latter convert into EMI then they would charge a hefty 2% + GST as processing fees, alongwith Interest + GST. This is the hidden fees which is not disclosed to customers and if you buy high value items you would have to shell out more.
There statement doesnot mention this fees anywhere.
There is devaluation of reward rate on bill payments on this card. For insurance premium payment it got reduced to 1pc earlier it used to be 2pc. Paytm wallet load gives zero pc reward. Finally devaluation started after achieving the target number. Time to be cautious.
I have kept LTF ICICI platinum credit card for only ICICI bank offer.
Should i upgrade to a ICICI amazon pay/ Rubyx(if LTF)/ MMT signature card? Can you suggest for better rewards/cashback percentage?
If you are looking for rewards, then time to look outside ICICI Bank credit cards.
I had credit card, For late fee and interest charges they charged Rs.2300/- and it cant be reversed as per their system/policy. Other vendors can reverse the charge easily. I cancelled the card immediately. I am a ICICI Privileging banking customer. Interest charges are more here in ICICI.. please consider before applying the same.
The efficient way for using a credit card is set auto pay on the due date with direct debit from your bank. This way no need to worry about interest, finance charges, etc
You are right Senthil. They charged me 7500. I’m holding a Salary account 3 in 1. One time payment delayed by a week due to sim card not working as I’m on international business trip. My salary a/c has 2.5Lakh balance during that time.