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ICICI Bank
Amazon Pay ICICI Credit Card
4.6Best for online shopping
Lifetime free
- Joining fee
- Lifetime free
- Annual fee
- Lifetime free
- Welcome bonus
- —
- Forex markup
- 1.99%
- Interest p.a.
- 45%
- Min income
- ₹20,000/mo
How this card earns
Reward rates by category, with caps and an estimated yearly value.
| Spend category | Reward rate | Monthly cap | Est. value/yr |
|---|---|---|---|
Online shopping 5 reward points per Rs.100 on Amazon.in for Amazon Prime members (3% for non-Prime). 1 reward point = Rs.1 Amazon Pay balance, so effective 5% value-back for Prime members. No cap. | 5% | — | ₹6,000 |
Everything else 2 reward points per Rs.100 at 100+ Amazon Pay partner merchants. 1 point = Rs.1 Amazon Pay balance, so 2% effective value-back. | 2% | — | ₹2,400 |
| All other spends | 1% | — | ₹1,200 |
Estimated yearly value assumes ₹10,000/month spend in each category, capped where the card caps rewards.
Fees & charges
Joining feeLifetime free
Annual feeLifetime free
Annual fee waiverLifetime free; no joining or annual fee
Foreign currency markup1.99%
Finance charge (p.a.)45%
Fuel surcharge waiver1%
Key benefits
- 5% reward points (Amazon Pay balance) on Amazon.in for Prime members
- 3% reward points on Amazon.in for non-Prime members
- 2% reward points at 100+ Amazon Pay partner merchants
- 1% reward points on all other spends
- Lifetime free - no joining or annual fee
- Reward points auto-credited as Amazon Pay balance with no expiry
- No-cost EMI on eligible Amazon transactions
- Contactless payment enabled
What we like
- +Lifetime free card
- +Excellent reward rate on Amazon for Prime members
- +Reward points credited as 1:1 Amazon Pay balance with no expiry
- +Wide merchant acceptance via Visa network
What to watch
- −Best 5% rate restricted to Amazon Prime members
- −Rewards usable only as Amazon Pay balance
- −No lounge access or premium travel benefits
- −Invite-only - not openly available
Compare with similar cards
- Top reward
- 1%
- Annual fee
- ₹12,000
- Top reward
- 5%
- Annual fee
- ₹500
- Welcome bonus
- ₹500 value
- Top reward
- 1%
- Annual fee
- ₹2,000
- Welcome bonus
- ₹5,000 value