Amazon Pay ICICI Bank Credit Card
ICICI Bank VisaWelcome Bonus: 2500 Rewards
Lounge Access: No
Fuel Surcharge: Yes
| Minimum Income | NA |
|---|---|
| Credit Score | NA |
| Employment Type | Salaried Self-employed Business Student |
High cashback rewards on Amazon
• 5% unlimited cashback for Prime members.
• 3% unlimited cashback for non-Prime members.
2% cashback on payments via Amazon Pay gateway/partners.
1% cashback on all other spends including offline transactions.
Fuel surcharge waiver at petrol pumps.
Lower reward rate for non-Prime users (3%) vs Prime (5%).
No travel lounge access or premium card perks.
No direct statement credit redemption option — rewards convert only to Amazon Pay balance.
Basic benefits — no entertainment or lifestyle rewards compared with premium cards.
The Amazon Pay ICICI Bank Credit Card is one of India’s most popular co-branded cards for online shopping, especially if you frequently shop on Amazon. Designed with simplicity and savings in mind, this card combines high cashback rewards with zero annual fees, making it ideal for value-seeking users.
With this card, Prime members can earn up to a massive 5% unlimited cashback on Amazon purchases, while non-Prime users still enjoy a healthy 3% cashback — all of which gets credited directly as Amazon Pay balance. Outside Amazon, you also get 2% cashback via Amazon Pay partners and 1% on all other purchases, including in-store spending and utilities.
A standout feature is that the card is lifetime free, with no joining or annual charges, helping you maximize rewards without worrying about yearly costs. On top of that, the card offers fuel surcharge waivers and occasional lifestyle perks such as dining offers through partner programs.
However, the card’s value shines brightest for regular Amazon shoppers. If you rarely shop on Amazon, you may find fewer benefits compared to other cards that offer travel or premium perks. Also, rewards are credited only as Amazon Pay balance, so they’re most useful if you plan to spend them on the Amazon platform.
In summary, the Amazon Pay ICICI Bank Credit Card is an excellent cashback-focused option for everyday online shoppers — especially Amazon loyalists — offering simple rewards, zero fees, and easy redemption.
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