Amazon Pay ICICI Bank Credit Card

By Rajat Gaur
Updated On May 2, 2023

Amazon Pay ICICI Bank Credit Card is a co-branded shopping credit card recently launched by the ICICI Bank in partnership with Amazon India on the Visa payment platform. Just after its launch, it became one of the favorite credit cards for online shoppers in the country. Initially, it was an invite-only offering, but now it is open to all. What makes this Credit Card so popular is that the Amazon ICICI Credit Card rewards you with cashback in the form of Amazon Pay balance that reflects in your Amazon Pay balance.

This credit card is even more rewarding for Amazon Prime members, as you can get as much as 5% cash back on purchases on Amazon, which, as you are probably aware, is the largest e-commerce website with over 16 crore products. Apart from Amazon Pay cashback, this card also offers several other benefits like a 15% discount on dining bills at all restaurants participating in ICICI Bank’s Culinary Treats program and a fuel surcharge waiver at all the petrol stations across India.

Read on our ICICI Bank Amazon Pay credit card review to know more about this exclusive co-branded online-shopping card.

Amazon Pay ICICI Bank Credit Card

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Amazon_Pay_ICICI_Bank_Credit_Card
(5/5)

Fee

Joining Fee

Nil

Renewal Fee

Nil

Best Suited For

Shopping |

Reward Type

Reward Points

Welcome Benefits

Get welcome benefits worth Rs. 1500 plus 3 months Prime membership

Movie & Dining

A minimum of 15% discount on dining bills at restaurants participating in the Culinary Treats program

Rewards Rate

5% cashback on Amazon purchases for Prime members and 3% cashback for Non-Prime members, 2% cashback on partner brands & 1% cashback on all other payments except fuel purchases

Reward Redemption

Reward Points earned transferred to Amazon Pay balance at the end of the payment cycle. 1 Reward Point = Re. 1

Travel

N/A

Golf

N/A

Domestic Lounge Access

N/A

International Lounge Access

N/A

Insurance Benefits

N/A

Zero Liability Protection

Cardholders won’t be liable for any unauthorized transaction made with the card post reporting the loss of card to the bank

Spend based Waiver

N/A

Rewards Redemption Fee

Nil

Rewards Redemption Fee

Nil

Foreign Currency Markup

3.5% of the transaction amount

Interest Rates

3.5% – 3.8% per month or 42% – 45.6% per annum (variable, based on the customer’s financial behavior)

Fuel Surcharge

1% fuel surcharge is waived at all petrol stations across India.

Cash Advance Charge

2.5% of the withdrawn amount, subject to a minimum fees of Rs. 300.

Add-on Card Fee

Nil

  • Get welcome benefits worth Rs. 1500 plus 3 months Prime membership
  • Amazon Prime users get 5% cashback on all purchases made on Amazon (with a few exceptions).
  • Non-Prime users get 3% cashback on Amazon, instead of 5%.
  • Additional cashback on Amazon is applicable only for purchases made on Amazon India (amazon.in).
  • 2% cashback at over 100 partner merchants using this card on Amazon Pay.
  • 1% cashback on all other retail transactions, except fuel purchases.
  • 1% surcharge waived off on fuel purchases.
  • Reward Points transferred as cashback to Amazon Pay balance.
  • No expiry date of Reward Points earned on the card transferred as Amazon Pay balance.
  • No minimum amount is required for reward redemption (i.e. for transfer of Points to Amazon Pay wallet as Amazon Pay balance).
  • Dining benefit as part of the bank’s Culinary Treats program.
By Rajat Gaur
Updated On May 2, 2023

Amazon Pay ICICI Bank Credit Card is a co-branded shopping credit card recently launched by the ICICI Bank in partnership with Amazon India on the Visa payment platform. Just after its launch, it became one of the favorite credit cards for online shoppers in the country. Initially, it was an invite-only offering, but now it is open to all. What makes this Credit Card so popular is that the Amazon ICICI Credit Card rewards you with cashback in the form of Amazon Pay balance that reflects in your Amazon Pay balance.

This credit card is even more rewarding for Amazon Prime members, as you can get as much as 5% cash back on purchases on Amazon, which, as you are probably aware, is the largest e-commerce website with over 16 crore products. Apart from Amazon Pay cashback, this card also offers several other benefits like a 15% discount on dining bills at all restaurants participating in ICICI Bank’s Culinary Treats program and a fuel surcharge waiver at all the petrol stations across India.

Read on our ICICI Bank Amazon Pay credit card review to know more about this exclusive co-branded online-shopping card.

Amazon Pay ICICI Credit Card – Key Highlights

Best Suited For Shopping and Cashback
Benefits Up to 5% cashback for Prime members & up to 3% cashback for others
Joining/Annual Fee Nil
Eligibility Criteria Minimum age – 21 yearsMinimum income – Rs. 25,000 per month
Lounge Access NA
Cardinsider’s rating
5/5

ICICI Amazon Pay Credit Card Features and Benefits

As mentioned earlier, Amazon Pay ICICI Credit Card is an entry-level co-branded shopping credit card tailored especially for the needs of online shoppers who love shopping from Amazon. Being an Amazon co-branded credit card, the card does offer a high reward rate on shopping at Amazon. Since it is a very basic credit card, you do not get many additional benefits with this credit card. Keep reading this Amazon Pay ICICI Credit Card review for further information:

Welcome Benefits

You get exclusive welcome benefits worth Rs. 1500 and complimentary 3-months Prime membership with the card. The following welcome benefits are offered –

  • Flat Rs. 150 off on your bill payment or first shopping on Amazon
  • 20% back up to Rs. 250 on your electricity bill payment
  • 50% back up to Rs. 100 on your prepaid mobile recharge
  • 25% back up to Rs. 300 on your postpaid mobile bill payment
  • 10% back up to Rs. 125 on gas cylinder payments
  • 25% back up to Rs. 350 on your broadband bill payment
  • 25% back up to Rs. 100 on your DTH recharge

Dining Benefits

This card saves you a minimum of 15% on bill payments at all the member restaurants as a part of ICICI bank’s Culinary Treats program.

Fuel Surcharge Waiver and Cashback

Get a 1% fuel surcharge waiver at all fuel stations across India (provided that the transaction size does not exceed Rs. 4,000).

Amazon Pay ICICI Credit Card Rewards / Cashback

The ICICI Amazon Pay Credit Card, without a doubt, is the best-suited and a must-have card for shopaholic Amazon enthusiasts, especially if you are a Prime member. Well, if you love Amazon, it goes without saying, that you certainly do have a Prime membership! Anyway, the benefits of this card taste sweeter to Amazon Prime members.

  • Prime members get 5% cashback on all purchases made on Amazon India (amazon.in), with a few exceptions.
  • Non-Prime users will get 3% cashback on Amazon instead of 5% with the same exceptions as applicable for Prime users.
  • It should be noted that this 5% or 3% cashback on Amazon is applicable only on purchases made on Amazon India (amazon.in). For purchases from any other Amazon country-specific domain (including amazon.com), the cashback applicable would be 1%, the same as for āny other online transactions.
  • You also get 2% cashback on purchases made from over 100 partner merchants using the credit card with Amazon Pay. You will get 2% cashback only if you use the Amazon Pay option at the partner merchant’s website, otherwise, the regular cashback of 1% shall be applicable.
  • 1% cashback is applicable on all other transactions made with the card- both online and offline, except payments made at fuel stations.

Exclusions on Cashback

  • On Amazon.in, e-books, flight bookings, gift cards, utility bill payments, loading Amazon Pay balance, DTH and mobile recharges earn only 2% cashback instead of 5%
  • No reward points/cashback is earned on EMI and gold purchases on Amazon

Also Read: What are the different types of rewards that you can earn on credit cards?

Reward Points/Cashback Redemption

  • The Reward Points earned on Amazon Pay Bank ICICI Credit Card are automatically added to your Amazon Pay balance of the Amazon account linked with the card at the end of each billing cycle.
  • 1 Reward Point = Re. 1 (for expenditure on Amazon and all merchants’ Amazon Pay wallet as a payment method).
  • Amazon Pay balance can be used for purchases on Amazon or at any of the partner merchants accepting Amazon Pay as a payment method.

ICICI Amazon Pay Credit Card Fees and Charges

  • Annual Fee: Amazon Pay ICICI Credit Card is a lifetime free credit card, i.e. no annual/monthly membership fee is applicable.
  • Interest Rate: The interest rate applicable on this card is 3.5% to 3.8% per month (or 42% to 45.6% annually).
  • Cash Advance Charge: You are charged a cash advance fee of 2.5% of the transaction amount (or a minimum of Rs. 500) on cash withdrawal from ATMs using this card.
  • Foreign Currency Mark-up: A forex mark-up fee of 3.5% of the total transacted amount is applicable on foreign currency transactions made with ICICI Amazon Pay Credit Card.
  • Card Replacement Fee: The card replacement fee charged by ICICI Bank is Rs. 100 for issuing a new credit card in lieu of a lost/misplaced credit card.

Also Read: 11 Hidden Charges on Credit Cards You Need to Know

Eligibility Criteria for Amazon Pay ICICI Credit Card

Initially, Amazon ICICI Credit Card was an invite-only offering; only eligible Amazon users received an invitation for the card and could proceed with the application process. Now that the card is open to all applicants, you must satisfy the following income-based eligibility criteria before your application for Amazon Pay Credit Card can be processed-

For ICICI Bank customers Minimum monthly income of Rs. 25,000
For other applicants Minimum monthly income of Rs. 35,000

Documents Required

You will need to submit identity proof, address proof and proof of income for your application for Amazon ICICI Credit Card to be processed. The following documents are accepted as identity/address/income proof-

Document Type Accepted Documents
Identity Proof Aadhar Card, Voter Card, PAN Card, Passport, Driving Liscence, etc.
Address Proof Aadhar Card, Voter Card, Electricity/Telephone Bill, Passport, Driving License, etc.
Proof of Income Salary slip, ITR acknowledgment

How to Apply for Amazon Pay ICICI Bank Credit Card

Initially, the Amazon Pay card was an invite-only offering, but now it is open to all. You can apply for this Card either on Amazon or on ICICI bank’s official website. The application is processed once the KYC verification is completed. There are two ways to complete the KYC verification for this card-

  • Video Mode: You need to provide your PAN card and Aadhar card details, after which an ICICI bank official will get in touch with you for a video-based verification. You need to answer a few simple questions and show the original copy of your PAN card to the bank official.
  • Offline Mode: After you apply for the credit card and choose the offline mode for KYC verification, a bank official will visit you at your address and verify your documents.

How to Check ICICI Bank Amazon Pay Credit Card Application Status?

If you have already applied for this credit card and you want to check your application status, you need to log in to your Amazon account and visit the Amazon Pay ICICI Bank Credit Card application page and click/tap on “Check Application Status“.

Activation and PIN Generation

Amazon Pay ICICI Bank Credit Card is by default activated for domestic transactions. International and contactless transactions are disabled by default as per RBI directions. You can enable your card for international or contactless transactions through ICICI internet banking or via iMobile app.

The PIN for your Amazon Credit Card is automatically sent to your registered mobile number upon issuance of your card. You can also manually generate your card’s PIN by dialing the bank’s customer care IVR number 1800 102 0123 or through the iMobile app or ICICI internet banking.

Amazon Pay ICICI Bank Credit Card Login / Internet Banking

If are an existing ICICI bank customer, your new Amazon Pay Credit Card will automatically be added to your current internet banking account, however, if you have a standalone Credit Card, you need to register the same on the ICICI website to activate the internet banking facility for the card.

To activate internet banking for your ICICI Amazon Credit Card, visit the official ICICI internet banking portal and click on “Get User ID” and select the “Credit Card” option on the screen that opens. Fill up all the requested details in the designated fields and complete the registration process. Alternatively, you can also activate your credit card for internet banking via the iMobile Pay app.

Amazon Pay ICICI Credit Card Customer Care Number & E-mail ID

ICICI bank offers 24×7 customer care support to its Amazon Pay credit card customers over phone calls as well as via email. You can contact ICICI’s call center at their 24×7 helpline number 18601207777 or shoot them an email at [email protected] to report the loss of your credit card or for any other issue related to the card. In case the issue is still unresolved, you may get in touch with their higher-ups at [email protected].

Pros of ICICI Amazon Pay Card

  • It is a great lifetime free credit card – no monthly/annual membership fee applies.
  • The card offers a high reward rate of 5% on purchases made on Amazon India website/app.
  • The Reward Points earned on this card are automatically transferred as Amazon Pay balance to the Amazon account linked with the card at the end of each payment cycle.
  • There is no max capping on the Amazon Pay balance that can be earned as cashback on your card.

Cons of Amazon Pay ICICI Card

  • The ICICI Amazon Credit Card offers a high reward rate of 5% on Amazon to Amazon Prime members, however, the reward rate on Amazon for non-Prime members is just 3%.
  • The reward rate on other non-partner spends is very less- just 1% of the purchase amount.
  • This Credit Card does not offer any travel benefits like complimentary lounge access at airports or railway stations.

Credit Cards Similar to Amazon Pay ICICI Bank Credit Card

The ICICI Bank Amazon Credit Card, as you now know, offers a high reward rate of 5% on spends on Amazon, however, the reward rate on other shopping websites or on offline purchases is very less- just 1%. Other card issuers including SBI Card, HDFC and Axis Bank also offer credit cards such as SBI SimplyCLICK Credit Card, HDFC Millennia Credit Card, Flipkart Axis Bank Credit Card offering accelerated reward rates on spends on Amazon (or Flipkart in case of Axis Bank).

These cards offer close competition to the Amazon ICICI Credit Card if you are looking for a credit card specifically for online shopping. The following table gives a comparison of the ICICI Bank Amazon Credit Card with its competitors-

Amazon ICICI Credit Card SBI SimplyCLIK Credit Card HDFC Millennia Credit Card Flipkart Axis Bank Credit card
Reward Structure Cashback as Amazon Pay balance Reward Points Cashback (earned as CashPoints, redeemable for cashback – 1 CP = Re. 1) Cashback (directly adjusted against the card’s statement balance)
Reward Rate at partner merchant(s) (Amazon/Flipkart, etc.) 5% cashback on Amazon India for Amazon Prime members and 3% cashback on Amazon India for non-prime members.

2% cashback on flight/bus bookings via Amazon and at Amazon partner merchants with Login and Pay with Amazon option. 		10 Reward Points per Rs. 100 spent at partner merchants including Amazon, Cleartrip, BookMyShow, Dineout, Lenskart, Apollo24x7 and Netmeds.

1 RP = Rs. 0.25, reward rate = 2.5% 		5% cashback (earned as CashPoints) at partner merchants including Amazon, BookMyShow, Cult.fit, Flipkart, Myntra, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato

1CP = Re. 1 as cashback 		5% cashback on Flipkart and Myntra.

4% cashback on Swiggy, Uber, PVR and cure.fit.
Reward Rate on normal spends 1% cashback on all other online/offline spends. 5 Reward Points per Rs. 100 on all other online spends. Reward rate = 1.25%

1 Reward Point per Rs. 100 on all offline spends. Reward rate = 0.25% 		1% cashback on all other online/offline spends. 1.5% cashback on other online/offline spends.
Reward Points/Cashback Maxcap No max capping applicable Max 10,000 Reward Points can be earned in a month at an accelerated (5X or 10X) rate Max 1,000 CashPoints per month at 5X rate and 1,000 CashPoints per month at the regular 1X rate. No max capping applicable
Additional Benefits N/A N/A 8 complimentary domestic airport lounge access every year.

20% discount on dining at partner restaurants. 		4 complimentary domestic airport lounge access every year.

20% discount at partner restaurants.
Annual Fee Nil Rs. 499 per annum, waived off on a minimum annual expenditure of Rs. 1 lac Rs. 1,000 per annum, waived off on a minimum annual expenditure of Rs. 1 lac Nil

Also Check: Comparison between Amazon Pay ICICI & Flipkart Axis Bank Credit Card.

Conclusion

There is probably not a better credit card option for those who love to shop online, particularly on Amazon, and have a Prime membership, as it earns you up to 5% cashback on all the purchases from Amazon India. Being a lifetime free credit card with so many exclusive privileges, it can be considered one of the best credit cards in India. Another aspect that makes this credit card so special and lucrative is that the reward points are transferred as cashback to your Amazon Pay balance and have unlimited validity.

However, if you are a frequent flyer, this card might not fit your needs as it doesn’t offer any travel benefits like air miles or lounge access at domestic or international airports. This was the Amazon Pay ICICI Credit Card review from us. Please do let us know if you have any queries regarding this card in the comments section below.

Also, don’t forget to share your thoughts and opinion on the Amazon Pay ICICI Bank Credit Card in the comments section.

FAQs:

The maximum reward rate offered by the Amazon ICICI Credit Card is 5%, which is the cashback that you earn on your spends on Amazon if you are a prime member. The non-prime members can get a maximum cashback of 2%.

You will need an identity proof (like Aadhar card/Voter card/driving license), PAN card and a proof of income (latest salary slip and last three month’s bank statement for salaried employees and latest audited ITR acknowledgment for self-employed individuals).

For any queries/complaints related to your ICICI Amazon Pay Credit Card, you can call on 1800 1020 1239.

The ICICI Amazon Pay Credit Card is lifetime free, i.e, you don’t need to pay an annual fee for this card.

No, as it is an unsecured credit card, before approving your application, the bank would check your CIBIL score and credit history to determine your eligibility for the card.

The credit limit on Amazon ICICI Credit Card, just as any other credit card is different for different customers depending upon their income and credit score. Usually, the credit limit of this Credit Card is 2 to 3 times the monthly income of the cardholder.

To get the credit limit on your Amazon Pay Credit Card increased, you need to contact ICICI Bank support and ask for a higher credit limit. Sometimes, your card is automatically pre-approved for a higher limit. If that is the case, you would be able to opt for a higher credit limit yourself through ICICI internet banking or the iMobile Pay app.

There are multiple ways to pay your Amazon Pay ICICI Credit Card bill-

  • through the iMobile Pay app.
  • through ICICI internet banking.
  • via third-party apps like CRED, Paytm, etc.
  • by submitting a cheque at your nearest ICICI Bank branch.

You don’t need to pay any annual charges for the ICICI Amazon Pay Credit Card as it is a zero annual fee credit card.

If you are not able to pay your Amazon ICICI Credit Card bill by the payment due date, a late payment fee will be levied by the bank (plus you’ll also have to pay the interest) depending upon the total amount due.

Total Amount Due Late Payment Charges
Less than Rs 100 Zero
Rs. 100 – Rs. 500 Rs. 100
Rs. 501 – Rs. 10,000 Rs. 500
More than Rs 10,000 Rs. 750

Yes, you can use your Amazon Pay ICICI Credit Card anywhere for any type of transaction.

Amazon_Pay_ICICI_Bank_Credit_Card

Amazon Pay ICICI Bank Credit Card

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3 Comments

  1. Senthil Reply

    I had credit card, For late fee and interest charges they charged Rs.2300/- and it cant be reversed as per their system/policy. Other vendors can reverse the charge easily. I cancelled the card immediately. Interest charges are more here in ICICI.. please consider before applying the same.

  2. Anonymous Reply

    Not satisfied with the outstanding amount they show in the bill evey month. Although i was clearing all my dues but still they are charging something and you would always have an outstanding amount on the date to be paid.
    They do not even give any clarity that how much paid vs how much is pending so that customers do not have anything to defend and show them with proof.
    Customer care people do not respond back in a proper manner.
    Not satisfied with the services. Stopping to use.

  3. Praveen Reply

    This card has stopped giving cashback for wallet load like Paytm etc., Please check the details before you apply for the card.

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