The Amazon Pay ICICI Bank Credit Card is an entry-level, lifetime-free co-branded credit card designed primarily for Amazon shoppers. It bridges the gap between everyday spending and Amazon rewards by offering tiered cashback rates across different spending categories.

• 5% cashback on Amazon.in purchases for Prime members (3% for non-Prime)
• 2% cashback on Amazon Pay partner merchants and Amazon bill payments
• 1% cashback on all other eligible spends
• Zero joining fee and zero annual fee for life
• Cashback automatically credited as Amazon Pay balance

The card offers a tiered unlimited cashback structure with no cap on earnings:

• 5% cashback on Amazon.in shopping, flights, and hotel bookings (Prime members)
• 3% cashback on Amazon.in shopping, flights, and hotel bookings (non-Prime members)
• 2% cashback on Amazon Pay partner merchants (100+), bill payments, recharges, gift cards, and e-books
• 1% cashback on all other eligible offline and online transactions

Dining Benefits

Enjoy 15% savings on dining bills at over 2,500 partner restaurants across India through the ICICI Bank Culinary Treats Programme.

Low Forex Markup

The card charges a competitive forex markup of just 1.99% on international transactions, reduced from 3.5% (effective October 2025). This makes it one of the most affordable cards for international spending among lifetime-free cards.

Fuel Surcharge Waiver

Get a 1% fuel surcharge waiver on fuel purchases at all petrol pumps across India for transactions up to Rs. 4,000.

No-Cost EMI

The card supports No Cost EMI for 3 and 6 months tenure on eligible purchases on Amazon.in.

New cardholders receive cashback benefits worth up to Rs. 2,500 across multiple categories:

For Prime Members

• 50% cashback up to Rs. 50 on prepaid recharges
• 100% cashback up to Rs. 200 on Amazon shopping
• 25% cashback up to Rs. 400-500 on postpaid recharges
• 20% cashback up to Rs. 100 on electricity bills
• 25% cashback up to Rs. 250 on DTH recharge
• 25% cashback up to Rs. 550 on broadband recharge
• 10% cashback up to Rs. 250 on gas cylinder booking
• 1-month complimentary EazyDiner Prime membership

For Non-Prime Members

• Similar cashback benefits across categories
• Rs. 500 off on Amazon Prime membership
• 1-month complimentary EazyDiner membership

Spend-Based Lounge Access

Spend Rs. 75,000 in a calendar quarter to unlock complimentary domestic airport lounge access for the following quarter.

The Amazon Pay ICICI Bank Credit Card offers limited domestic airport lounge access based on quarterly spending:

• Qualification: Spend Rs. 75,000 in the previous calendar quarter
• Access: Complimentary domestic airport lounge visits in the current quarter
• No International Access: No Priority Pass or international lounge access is included

Note: This is a spend-based benefit. Light spenders (under Rs. 25,000/month) will not qualify for lounge access. If lounge access is important to you, consider cards like the Flipkart Axis Bank Credit Card or premium cards with dedicated lounge benefits.

Cashback is earned automatically on every eligible transaction. The reward rate depends on the merchant and your Amazon Prime status:

• Amazon.in (Prime): 5% cashback on shopping, flights, and hotels
• Amazon.in (Non-Prime): 3% cashback on shopping, flights, and hotels
• Amazon Pay Partners: 2% cashback at 100+ partner merchants via Login with Amazon
• Other Spends: 1% cashback on all other eligible transactions

Redemption

Rewards are automatically converted to Amazon Pay balance at the end of each billing cycle. 1 Reward Point equals Rs. 1. The balance is credited to your linked Amazon account within 2 days of statement generation.

Amazon Pay balance can be used for:

• Shopping on Amazon.in (10 crore+ products)
• Payments at 100+ Amazon Pay partner merchants
• Bill payments, recharges, and bookings
• UPI QR code payments (via Amazon Pay wallet)

Exclusions

No cashback is earned on: fuel transactions, EMI purchases on Amazon, rent payments, government/tax payments, gold/silver/precious metals, insurance premiums, education transactions (from October 2025), and international transactions (from October 2025).

• Indian citizen or resident
• Age: 21 to 60 years
• Salaried or self-employed individuals
• Must reside in a city serviceable by ICICI Bank

Income Requirements

• Salaried (ICICI customers): Minimum Rs. 20,000 per month
• Salaried (non-ICICI customers): Minimum Rs. 25,000 - 30,000 per month
• Self-employed: Minimum Rs. 30,000 per month

Credit Score

A CIBIL score of 750 or above is recommended. However, some applicants with scores of 650+ have been approved based on their Amazon purchase history. The application is processed through Amazon, which uses its own algorithm to determine eligibility.

• PAN Card (mandatory for e-KYC)
• Aadhaar Card (mandatory for e-KYC)
• Passport
• Voter ID
• Driving License

Address Proof (any one)

• Aadhaar Card
• Passport
• Utility bill (not more than 3 months old)
• Bank account statement
• Property registration document

Income Proof (any one)

• Latest 1-2 salary slips (not more than 3 months old)
• Latest Form 16
• Last 3 months bank statement

Note: For online applications through the Amazon app, PAN and Aadhaar are mandatory for the remote Video KYC verification process.

1. Open the Amazon Shopping app on your smartphone
2. Go to the Amazon Pay section
3. Click on the "Amazon Pay ICICI Card" banner
4. Click "Complete my Application" on the features page
5. Enter the OTP sent to your registered mobile number
6. Fill in the required details and upload documents
7. Complete Video KYC (show PAN card to an agent on video call)
8. Digital card is activated within 20 minutes of approval
9. Physical card arrives via courier within 3-5 business days

Important Notes

• You do not need an existing ICICI Bank savings account
• The application is linked to your Amazon account
• Existing ICICI customers often get instant approval
• PAN card and Aadhaar are required for e-KYC

The Amazon Pay ICICI Bank Credit Card remains one of the most compelling entry-level credit cards in India, particularly for Amazon shoppers. Its lifetime-free pricing, unlimited 5% cashback for Prime members, and simple auto-redemption mechanism make it a no-brainer for anyone who regularly shops on Amazon.

The recent improvements such as the reduced forex markup to 1.99% and travel cashback on Amazon bookings have added more versatility to the card. However, it remains primarily a shopping-focused card with notable limitations -- no insurance coverage, no dedicated lounge access, and cashback restricted to Amazon Pay balance rather than statement credit.

For frequent Amazon shoppers, this card is a must-have in your wallet. For those seeking broader lifestyle benefits, travel perks, or flexible cashback redemption, consider pairing this card with a premium travel or lifestyle card for the best overall value.