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Last updated: 01-06-2026

ICICI Bank

Amazon Pay ICICI Bank Credit Card

"India's most popular lifetime-free card — 5% back on Amazon for Prime members"

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Quick Summary

💳 Joining Fee

Nil (Lifetime Free)

🔄 Renewal Fee

Nil (Lifetime Free)

Waived: No fee — lifetime free card

🎯 Best Suited For

Amazon Prime members, frequent online shoppers, those who want a no-fee card with good rewards

🎁 Reward Type

Cashback as Amazon Pay Balance (credited automatically; no expiry)

🎉 Welcome Benefit

₹200 Amazon Pay cashback on card activation; flat ₹150 cashback on completing 3 POS transactions (each ₹100+) outside Amazon

💰 Reward Rate

5% unlimited cashback on Amazon.in for Prime members (3% for non-Prime); 2% cashback at 100+ Amazon Pay partner merchants; 1% cashback on all other eligible spends

✈️ Lounge Access

Not available on this card

💵 Cashback Rate

5% on Amazon (Prime members); 3% on Amazon (non-Prime); 2% at Amazon Pay partner merchants; 1% on all other spends

✅ Pros

Zero joining and annual fee — truly lifetime free
Unlimited 5% cashback on Amazon for Prime members with no monthly cap
Cashback auto-credited as Amazon Pay balance — instant and hassle-free
No expiry date on earned cashback
Reduced forex markup of 1.99% after October 2025 update
2% cashback at 100+ Amazon Pay partner merchants

❌ Cons

No airport lounge access
Cashback limited to Amazon ecosystem — not useful if you prefer Flipkart
3% cashback for non-Prime members is lower value
Wallet load fee of 1% on loads ₹5,000+ (from January 2026)
Invite-only — not open for direct public application
No add-on cards

🎁 Rewards & Benefits

Reward Type

Cashback as Amazon Pay Balance (credited automatically; no expiry)

Welcome Benefits

₹200 Amazon Pay cashback on card activation; flat ₹150 cashback on completing 3 POS transactions (each ₹100+) outside Amazon

Reward Rate

5% unlimited cashback on Amazon.in for Prime members (3% for non-Prime); 2% cashback at 100+ Amazon Pay partner merchants; 1% cashback on all other eligible spends

Reward Redemption

Earnings auto-credited as Amazon Pay balance within 2 working days of billing cycle end; usable on Amazon.in and 100+ partner merchants; no expiry date; no redemption fee

Fuel Surcharge Waiver

1% fuel surcharge waiver at all fuel stations on transactions up to ₹4,000

Lounge Access

Not available on this card

Spend Based Fee Waiver

Not applicable — card is lifetime free

Milestone Benefits

No milestone benefits

Other Benefits

Minimum 15% discount on dining at 2,500+ partner restaurants via ICICI Bank Culinary Treats program; No-Cost EMI for 3 months on eligible Amazon purchases

✨ Special Perks & Exclusive Offers

Memberships

Details coming soon

Insurance Cover

Embedded microchip for anti-counterfeiting; 3D Secure for all online transactions

Add-on Cards

No add-on cards — each applicant must apply individually

Concierge Services

Details coming soon

Special Offers

Extra cashback and discounts during Amazon Great Indian Festival and Prime Day sales

💳 Fees & Interest Rates

Joining Fee

Nil (Lifetime Free)

Annual Fee / Renewal Fee

Nil (Lifetime Free)
✓ Waived on: No fee — lifetime free card

Interest Rate (APR)

💡 Pay your balance in full each month and this never applies to you.

3.5% to 3.8% per month (42% to 45.6% per annum) depending on customer profile

ATM Cash Withdrawal / Cash Advance

2.5% of withdrawn amount, minimum ₹300

Late Payment Charges

₹100 (due ₹100–₹500); ₹500 (₹501–₹10,000); ₹750 (above ₹10,000)

Over Limit Charges

2.5% of overlimit amount, minimum ₹500

Cheque Bounce / Auto-Debit Return

Details coming soon

Other Charges

Wallet load fee: 1% on loads of ₹5,000 or more (from January 2026); Dial-a-draft fee: 3% min ₹300

📋 Eligibility & Credit Limit

Eligibility Criteria

Age 21–60 years; salaried or self-employed; minimum monthly income ₹20,000 (ICICI customers) or ₹25,000 (non-ICICI customers); must have Amazon.in account; invite-only programme — apply via Amazon app or ICICI Bank

Credit Score Requirement

750+ CIBIL score recommended

Credit Limit

Based on income and ICICI Bank credit assessment