Amazon Pay ICICI Credit Card
ICICI Bank
Zero fee, zero catch — the easiest recommendation for any Amazon-heavy spender, with unlimited flat cashback.
Free
Joining fee
Free
Annual fee
Not applicable — no fee charged at all (lifetime free).
1.99%
Forex markup
4.5 / 5
Rating
Eligibility
Minimum income: ₹20,000/month
Estimated minimum CIBIL score: 650+
Estimated — not officially confirmed by the bank.
Age: 21+
Income min Rs 30,000/month (salaried and self-employed alike, per official page); distribution model is an 'Invite Only Program' per the official page — general public may not be able to apply directly. CardInsider notes CIBIL score verification occurs during review but does not specify a hard threshold.
India-based, no city restriction found
Key features
- 5% back on Amazon.in for Prime members (3% non-Prime)
- 2% at 100+ Amazon Pay partner merchants
- 1% on other eligible spends
- No joining or annual fee ever
- Unlimited, non-expiring rewards
- 1% fuel surcharge waiver
Reward details
1% cashback on all other spends
- 5% cashback on Amazon purchases, Prime members
- 3% cashback on Amazon purchases, non-Prime members
- 2% cashback on Amazon Pay partner merchants
Redemption
Automatic, non-expiring credit to Amazon Pay balance; reward earnings transfer only to the cardholder's own Amazon account (official restriction)
- 1% fuel surcharge waiver; 3 months no-cost EMI on eligible Amazon.in transactions
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Unlimited cashback potential, well suited to frequent Amazon shoppers — CardInsider
Complaints
- Billing clarity concerns, difficulty understanding outstanding amounts, high interest charges (~3.75%/month), difficulty getting fee reversals — one user cited an unreversed Rs 2,300 late fee/interest charge — CardInsider
Sources
- Official — fees, eligibility, forex, lounge, rewards
- Aggregator — sentiment