Amazon Pay ICICI Bank Credit Card Review (2026)

Quick verdict: The Amazon Pay ICICI Bank Credit Card is best for amazon shoppers & lifetime-free. It earns 5% Amazon, 1% all, with an annual fee of Lifetime free. Hold it if its strongest category matches where you spend the most, and always pay the full bill to keep the rewards worthwhile.

Overview

The Amazon Pay ICICI Bank Credit Card is one of the most widely held cards in India, and for good reason: it is lifetime free and rewards the everyday spends most people already make on Amazon and bill payments.

Cashback is credited as Amazon Pay balance, which never expires and can be used across Amazon and thousands of Amazon Pay merchants.

Fees & Charges

Rewards & Benefits

• 5% cashback on Amazon.in for Prime members (3% for non-Prime members).
• 2% cashback on payments to Amazon Pay partner merchants.
• 1% unlimited cashback on all other spends, including offline.
• Cashback credited as Amazon Pay balance with no expiry and no minimum threshold.
• 1% fuel surcharge waiver and periodic bill-payment cashback offers (mobile, electricity, broadband, gas).

Pros & Cons

Who Should Get This Card?

• Regular Amazon shoppers, especially Prime members
• Anyone wanting a strong, no-fee first credit card
• People who pay utilities and recharges online

Frequently Asked Questions

How to Get the Most from the Amazon Pay ICICI Bank Credit Card

• Use it where it is strongest — amazon shoppers & lifetime-free — where it earns 5% Amazon, 1% all; route other spends to a card that rewards them better.
• Always pay the full statement balance by the due date so interest never eats your rewards.
• Track the fee and its waiver (Lifetime free) and aim to cross the waiver spend if the card is worth keeping.
• Redeem rewards regularly through the highest-value option so points or cashback never lapse.
• Set up auto-pay, transaction alerts and sensible online/international limits in the issuer’s app.

Eligibility & Documents

Exact criteria depend on ICICI Bank and the card variant, but for the Amazon Pay ICICI Bank Credit Card you will usually need:

• Age: generally 18–65 years.
• Income: a stable salaried or self-employed income; entry cards often start around ₹15,000–₹25,000 a month, while premium variants need more.
• Credit score: 700+ helps, and 750+ unlocks the best terms and limits.
• Documents: PAN (mandatory), an address proof (Aadhaar/passport/utility bill), income proof (salary slips, Form 16 or ITR) and a photograph.

Existing ICICI Bank customers, and applicants with a clean repayment history, typically see faster approval and higher starting limits.

How Rewards Work & Redemption

This card earns 5% Amazon, 1% all. To judge its real value, look past the headline rate to what each reward is actually worth on redemption — cashback is credited at face value to your statement, while points and miles vary by how you redeem them (vouchers, catalogue products, statement credit, or airline/hotel transfers, which usually give the best value). Redeem before any expiry, and remember that fuel, rent, wallet loads and government payments are commonly excluded from rewards.

Plan Smarter With Free Tools

Get more out of this card with our free, no-login calculators and guides:

• EMI Calculator — work out the real cost before converting a big purchase to EMI.
• Interest Calculator — see how much revolving a balance actually costs you.
• Finance Glossary — plain-language definitions of APR, billing cycle, utilisation and more.
• Learn Hub — quizzes, flashcards and guides to sharpen your money skills.
• Compare all 60 cards — see how this card stacks up against the rest.

Related Credit Cards

Still comparing? Look at these related cards, or browse the full best credit cards in India guide and comparison table:

• SBI SimplyCLICK Credit Card — Online shopping (entry-level)
• IDFC FIRST Select Credit Card — Lifetime-free all-rounder
• IDFC FIRST WOW Credit Card — Secured / first card
• AU Bank LIT Credit Card — Customisable, lifetime-free
• IDFC FIRST Millennia Credit Card — Lifetime-free rewards