Benefits of Amazon Pay ICICI Card
Introduction
The Amazon Pay ICICI Bank Credit Card has become a significant success for both Amazon India and ICICI Bank. It's likely one of the most popular co-branded credit cards in India, making up a large portion of ICICI Bank's total credit cards. This card offers 5% unlimited cashback for Amazon Prime customers and 3% for non-Prime customers on Amazon purchases.
For instance, if you buy an appliance worth ₹1.5 lakh, you'll earn 5%, or ₹7,500, back on the Amazon Pay ICICI Bank credit card. Additionally, the card provides 1% cashback on other offline expenses too. This makes the Amazon Pay ICICI Bank Credit Card one of the easiest-to-understand cashback cards available in India.
Eligibility Criteria
To be eligible for the card, you must be an Indian citizen aged 21 years or older. For salaried individuals, a minimum monthly income of ₹20,000 is required, while self-employed individuals must have an annual income of ₹3.60 lakhs.
Fees and Charges
This card comes with no joining or annual fees, making it particularly attractive for regular Amazon shoppers. However, a forex charge of 3.5% + GST is applicable on international transactions.
| Joining Fees | NIL |
|---|---|
| Annual Fees | NIL |
| Forex Charges | 3.5% + GST |
Welcome Benefits
Both Prime and Non-Prime users enjoy a variety of welcome benefits. Both categories receive welcome rewards worth up to ₹2,500, along with a complimentary one-month EazyDiner membership for all users.
Reward Structure
The reward rate ranges from 1% to 5%, depending on whether you have a Prime membership and the purchase category. For example, as a Prime member, if you spend ₹50,000 on Amazon India each month, you can earn ₹2,500 as Amazon Pay balance, with each reward point equivalent to ₹1. Additionally, there is no cap on the rewards you can earn with the Amazon Pay ICICI Bank credit card.
However, your reward points will be added to your Amazon account as Amazon Pay balance at the end of the statement.
| Category | Cashback as Reward Points |
|---|---|
| Purchases made on Amazon | 5% for Prime members, 3% for non-Prime members |
| Payments made towards booking of flights and hotels on Amazon | 5% for Prime members, 3% for non-Prime members |
| Purchase of Amazon Pay Gift Cards and/or payments made towards purchase of e-books | 2% |
| Payments made to Amazon Pay partner merchants made using this card from Amazon Pay wallet | 2% |
| All other merchant spends outside Amazon | 1% |
| International spends | 1% (not recommended for international spends) |
You will not earn any reward points (As cashback) on EMI transactions, Amazon Business purchases, digital gold, fuel spends, and purchases on other Amazon marketplaces.
Rewards Redemption
There is no limit on the number of rewards you can earn. At the end of the monthly statement, your rewards are added to your Amazon account as a gift card balance, and you will also receive an email confirming the amount.
Amazon Pay ICICI Bank Credit Card Lounge Access Offer
According to the updated terms and conditions on the ICICI Bank website, if you spend ₹75,000 on your Amazon Pay ICICI Bank Credit Card between March 26 to June 25, 2025, you’ll be eligible for a one-time domestic lounge access from the bank's list of partnered lounges, available between July 1 to September 30, 2025. This benefit is exclusively for the primary cardholder, who must also be an Amazon Prime member as of June 25, 2025.
Drawback of Amazon Pay ICICI Credit Card
While the rewards with this card are appealing, there are several aspects to consider:
- Amazon Prime Membership Required: Many people overlook the fact that to earn the 5% cashback, an Amazon Prime membership (₹1500/year) is required. Essentially, this fee is bundled with the card's cost, making it an important consideration when evaluating the card’s overall value.
Conclusion
With unlimited 5% rewards on Amazon purchases automatically credited to your Amazon account every month, you can accumulate significant savings throughout the year. Coupled with the benefit of no joining or annual fees, it makes for a straightforward choice. The Amazon Pay ICICI card stands out as an excellent option, especially with its lifetime-free offer, making it an ideal pick for frequent Amazon shoppers. The absence of both joining and annual fees further enhances its appeal.
.png%0A%20&w=640&q=75)
