The Amazon Pay ICICI Bank Credit Card is a partnership between ICICI Bank and Amazon India on the Visa platform. It has quickly become very popular among online shoppers in India. This card is perfect for people who shop often on Amazon, especially Prime members, as it offers great rewards on Amazon purchases.
One of the best features of this card is the cashback given as Amazon Pay balance. Prime members can earn up to 5% cashback on their Amazon orders, making it a great way to save money while shopping. With Amazon offering over 10 crore products, this card provides excellent value for every purchase.
Table of Contents
Overview
| Type | Amazon Pay Rewards |
| Reward Rate | 1% – 5% |
| Joining Fee | Nil |
| Renewal Fee | Nil |
| Best Suited For | Shopping |
The Amazon Pay ICICI Bank Credit Card is a favorite among online shoppers, particularly Amazon Prime members. It offers cashback on Amazon purchases, which is directly added to the user’s Amazon Pay account. This makes it easy to use the rewards for future shopping on the platform.
Amazon Pay ICICI Card Eligibility
To qualify for this Amazon Pay ICICI Credit card, applicants must meet the eligibility requirements set by ICICI Bank.
Age: Min 21 years
Net Monthly Income more than ₹25,000
Fees & Charges
- The Amazon Pay ICICI Credit Card offers a lifetime free card with no annual or maintenance fees.
- Foreign currency transactions made with the ICICI Amazon Pay Credit Card are subject to a forex mark-up fee of 3.5% plus GST on the total transaction amount.
- An interest rate of 3.5% to 3.8% per month, or 42% to 45.6% per annum, is applicable on overdue payments.
- A cash advance fee applies to ATM withdrawals using this card. The fee is 2.5% of the transaction amount or Rs. 500, whichever is higher.
Benefits
As a co-branded ICICI card with Amazon, this credit card offers a high reward rate for Amazon shopping. However, being an entry-level card, it comes with limited additional benefits.
Joining Benefits
- ₹500 off on Prime Membership.
- Get 100% cashback up to Rs. 200 on shopping with Amazon.
- Get 50% cashback up to Rs. 50 for prepaid recharges.
- Get 20% cashback up to Rs. 100 for electricity bill payments.
- Get 25% cashback up to Rs. 450 for postpaid recharges.
- Get 25% cashback up to Rs. 200 for DTH recharge.
- Get 25% cashback up to Rs. 550 for broadband recharge.
- Get 10% cashback up to Rs. 250 for gas cylinder booking.
- Get 1-month Free Prime membership on EasyDiner.
Fuel Surcharge Waiver
Enjoy a 1% fuel surcharge waiver at fuel stations across India for transactions up to ₹4,000.
Rewards
The ICICI Amazon Pay Credit Card is an ideal choice for dedicated Amazon shoppers, especially those who are Amazon Prime members. If you love shopping on Amazon, having a Prime membership is almost a given! The benefits of this card are even more appealing for Prime members, enhancing the overall shopping experience.
- Prime members get 5% cashback rewards on all purchases made on Amazon India, even flights and hotels bookings.
- Non-Prime members get 3% cashback rewards on Amazon India instead of 5%.
- We earn only 2% cashback instead of 5% on purchases such as e-books, gift cards, utility bill payments, loading Amazon Pay balance, and DTH or mobile recharges made on Amazon.
- Flat 2% cashback on payments made with Amazon Pay at partner merchants in categories like food, health, entertainment, and others.
- Flat 1% cashback is applicable on all other transactions made with the card- both online and offline.
- No expiry date of Reward Points earned on the card transferred as Amazon Pay balance.
- No rewards earned on EMI, Fuel and Gold purchases on Amazon.
Reward Points Redemption
- 1 Reward Point = Re. 1
- The reward points earned on the Amazon Pay ICICI Credit Card are automatically credited to your Amazon Pay balance in the linked Amazon account at the end of each billing cycle.
- Your Amazon Pay balance can be used to make purchases on Amazon.in or at any merchant that accepts Amazon Pay as a payment option.
Airport Lounge Access
The Amazon Pay ICICI Credit Card does not provide complimentary airport lounge access. This benefit is not included within the card’s rewards program.
How to Apply
You can easily apply for this card online through Amazon India or the official ICICI Bank website. The application will be processed following successful completion of your Know Your Customer (KYC) verification. There are two ways to complete the KYC verification
- Video Mode: To complete your application, provide your PAN and Aadhar card details. An ICICI Bank representative will then contact you for a video call where you’ll answer a few simple questions and show them your original PAN card for verification.
- Offline Mode: If you select offline KYC verification, a bank official will visit your address to verify your documents after you apply for the credit card.
My Experience
The Amazon Pay ICICI Bank Credit Card stands out as an excellent choice for avid online shoppers, particularly those who frequently utilize Amazon and its Prime membership. This card offers compelling rewards, including up to 5% cashback on all Amazon India purchases, directly credited to your Amazon Pay balance. With no annual fees and a generous rewards program, it’s considered one of India’s top credit cards for online spending.
While highly rewarding for Amazon users, the card may not be ideal for frequent travelers. It lacks traditional travel benefits such as air miles or airport lounge access. However, its unmatched rewards within the Amazon ecosystem make it a valuable asset for online shoppers and Prime members.
We encourage you to share your thoughts and experiences with the Amazon Pay ICICI Bank Credit Card in the comments section below. If you have any questions, please don’t hesitate to ask.
