Amazon Pay ICICI Bank Credit Card
- Updated On: 4 June, 2026
The Amazon Pay ICICI Credit Card is among India’s most popular cards, with over 5 million users. Powered by Visa, it stands out for its simple, rewarding structure: every purchase earns cashback directly as Amazon Pay balance, making it a top choice for frequent Amazon shoppers.
For those who think the Amazon Pay ICICI Credit Card is only for shopping, here’s a surprise: this card offers much more. You can earn cashback on utility bill payments, travel bookings, and more through Amazon.
Despite being lifetime-free, this card offers welcome benefits worth up to ₹2,500 and cashback on almost all transactions (excluding exceptions such as rent and fuel). This credit card is even more rewarding for Amazon Prime members, as they can earn up to 5% cashback on purchases on Amazon, which is the largest e-commerce website with nearly 17 million products.
Want to learn about this credit card? Check out Card Insider’s review of the exclusive and highly beneficial Amazon Pay ICICI Bank Credit Card.
Amazon Pay ICICI Bank Credit Card
( 5 / 5 )
- Joining Fee
- Annual Fee
- Best Suited For
- Reward Type
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
Welcome Benefits
Cashback and Discounts Up to ₹2,500 and One Month EazyDiner Membership
Rewards and Benefits
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
Cashback Credited to Amazon Pay Balance
Travel
N/A
Domestic Lounge Access
N/A
International Lounge Access
N/A
Golf
N/A
Insurance Benefits
N/A
Fees & Charges
Spend-Based Waiver
N/A
Rewards Redemption Fee
Nil
Foreign Currency Markup
1.99%
Interest Rates
3.75% Per Month (45% Per Annum)
Fuel Surcharge Waiver
1% fuel surcharge is waived at all petrol stations across India.
Cash Advance Charges
2.5% of the Withdrawn Amount (Subject to a Minimum of ₹500)
Product Details
- Amazon Prime users get 5% cashback on all purchases made on Amazon.
- Non-Prime users get 3% cashback on Amazon.
- 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 other retail transactions.
- Reward Points are transferred as cashback to the Amazon Pay balance.
- No expiry date of Reward Points earned on the card transferred as Amazon Pay balance.
Pros/Cons
Pros
- This card is most useful to Amazon loyalist who fulfil their online shopping via Amazon.
- Enjoy 15% off at over 2,500 restaurants in India with the Culinary Treats Program of ICICI Bank.
- There is no max capping on the Amazon Pay balance that can be earned as cashback on your card.
Cons
- This card is mainly for shopping with Amazon it does not provide other benefits like lounge access or entertainment benefits.
- If you shop on platforms other than Amazon then this card would not be most useful for you. If you prefer Flipkart over Amazon then check out the Flipkart Axis Bank Credit Card.
- The ICICI Amazon Credit Card offers a high reward rate of 5% on Amazon to Prime members, however, the reward rate on Amazon for non-Prime members is just 3%.
ICICI Amazon Pay Credit Card Features and Benefits
As mentioned earlier, the Amazon Pay ICICI Credit Card is an entry-level co-branded shopping credit card designed specifically for the needs of online shoppers who frequently shop on Amazon. As an Amazon co-branded credit card, the card offers a high reward rate on Amazon shopping.
Let’s have a look at all that this card has to offer.
Joining Benefits
For Non-Prime Members – Worth Up to ₹2,000 + 1 Month EazyDiner Membership
- 100% cashback up to ₹100 on Amazon shopping (non-EMI orders) with a minimum transaction of ₹1. Valid till 31 July 2026.
- Flat ₹50 cashback on Amazon shopping (non-EMI orders) worth ₹999 or more.
- Flat ₹50 cashback on prepaid mobile recharges of ₹500 or more.
- Flat ₹100 cashback on electricity bill payments of ₹1,000 or more.
- 10% cashback up to ₹250 on gas cylinder bookings with a minimum transaction of ₹900.
- 25% cashback up to ₹400 on broadband bill payments.
- 20% cashback up to ₹200 on DTH bill payments of ₹200 or more.
- 25% cashback up to ₹500 on postpaid bill payments of ₹900 or more.
- 1-Month EazyDiner Membership.
- Flat ₹200 cashback on Amazon Pharmacy purchases (non-EMI orders) worth ₹999 or more.
- Flat ₹150 cashback on completing 3 POS transactions (swipe, tap, or scan) outside Amazon, with each transaction worth ₹100 or more.
For Prime Members – Worth Up to ₹2,500 + 1 Month EazyDiner Membership
- 100% cashback up to ₹100 on Amazon shopping (non-EMI orders) with a minimum transaction of ₹1. Offer valid till 31 July 2026.
- Flat ₹100 cashback on Amazon shopping (non-EMI orders) with a minimum transaction of ₹999.
- Flat ₹50 cashback on prepaid mobile recharges of ₹500 or more.
- 25% cashback up to ₹500 on postpaid bill payments of ₹900 or more.
- 25% cashback up to ₹400 on eligible postpaid bill payments.
- Flat ₹100 cashback on electricity bill payments of ₹1,000 or more.
- 25% cashback up to ₹250 on DTH bill payments of ₹250 or more.
- 10% cashback up to ₹250 on gas cylinder bookings with a minimum transaction of ₹900.
- 25% cashback up to ₹400 on broadband bill payments.
- 1-Month EazyDiner Membership
- Flat ₹200 cashback on Amazon Pharmacy purchases (non-EMI orders) with a minimum transaction of ₹999.
- Flat ₹150 cashback on completing 3 POS transactions (swipe, tap, or scan) outside Amazon, with each transaction worth at least ₹100.
Fuel Surcharge Waiver
Get a 1% fuel surcharge waiver at all fuel stations across India (provided that the transaction size does not exceed ₹4,000).
Up to 5% Cashback With Amazon Pay ICICI Credit Card
The ICICI Amazon Pay Credit Card, without a doubt, is the best-suited and must-have card for shopaholic Amazon enthusiasts, especially if you are a Prime member.
The following benefits apply to Prime users.
| Categories | Cashback |
| Purchases Made on Amazon (Excluding Digital/Physical Gold and EMI Purchases) | Unlimited 5% |
| Flights and Hotels Booking on Amazon | Unlimited 5% |
| Bill Payments and Recharges on Amazon | Unlimited 2% |
| Purchase of Amazon Gift Cards and E-Books Via Amazon | Unlimited 2% |
Reward Points/Cashback Redemption
- The Reward Points earned on the Amazon Pay Bank ICICI Credit Card are automatically added to your Amazon Pay balance in the Amazon account linked to the card at the end of each billing cycle.
- 1 Reward Point = ₹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 partner merchant that accepts Amazon Pay as a payment method.
Exclusions
No cashback or Reward Points will be given on purchases of gold, silver, or other precious metals, tax-related payments, rent transactions, fuel spends, international transactions, educational payments, or EMI purchases on Amazon.
EMI transactions, including EMI-on-call and cash transactions, will also not be eligible for Reward Points.
Credit Cards Similar to Amazon Pay ICICI Credit Card
The ICICI Bank Amazon Credit Card, as you now know, offers a high reward rate of 5% on Amazon spends; however, the reward rate on other shopping websites or offline purchases is very low – just 1%. Different card issuers, including SBI Card, HDFC, and Axis Bank, also offer credit cards that offer cashback on popular shopping websites and platforms.
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-
| Features | Amazon Pay ICICI | HDFC Millennia | Flipkart Axis Bank |
| Reward Structure | Cashback on Amazon Pay Balance | Cashback (Earned as CashPoints (CP = ₹
1) |
Cashback (Directly Adjusted Against the Card’s Statement Balance) |
| Accelerated Reward Rate |
|
|
|
| Base Reward Rate |
|
|
|
| Reward Points/Cashback Maxcap |
|
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| Annual Fee |
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Amazon Pay ICICI Bank Credit Card Review
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 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 opinions on the Amazon Pay ICICI Bank Credit Card in the comments section.
FAQs:
What is the maximum reward you can get using an Amazon Pay ICICI Bank Credit Card?
The maximum reward rate offered by the Amazon ICICI Credit Card is 5%, which is the cashback you earn on Amazon spending if you are a Prime member. Non-prime members can earn a maximum cashback of 3%.
What is Amazon Pay ICICI Credit Card customer care toll-free number?
For any queries/complaints related to your ICICI Amazon Pay Credit Card, you can call 1800 1020 1239.
What are the annual charges for the Amazon Pay ICICI Bank Credit Card?
The ICICI Amazon Pay Credit Card is lifetime free, i.e, you don’t need to pay an annual fee for this card.
Can I get a credit card without a CIBIL Score?
No, as it is an unsecured credit card, the bank will check your CIBIL score and credit history before approving your application to determine your eligibility for the card.
What is the credit limit on the Amazon Pay ICICI Credit Card? How can I increase the credit limit on it?
The credit limit on the Amazon ICICI Credit Card, just as with any other credit card, is different for different customers depending on their income and credit score. Typically, the credit limit of this Credit Card is 2 to 3 times the cardholder’s monthly income. To increase the credit limit on your Amazon Pay Credit Card, you need to contact ICICI Bank support and request 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.
How can I pay my ICICI Amazon Credit Card bill?
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.
When do you need to pay annual charges for the Amazon Pay ICICI Bank Credit Card?
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.
Can this Credit Card be used anywhere?
Yes, you can use your Amazon Pay ICICI Credit Card anywhere for any type of transaction.
What charges will apply on skill-based gaming transactions on the Amazon Pay ICICI Credit Card?
A fee of 2% of the transaction amount will be charged on skill-based gaming transactions from January 15, 2026.
Are wallet load transactions chargeable on the Amazon Pay ICICI Credit Card?
Yes, wallet load transactions of ₹5,000 or more will attract a 1% fee.
14 comments
Abhi
Is it possible to avail other icici bank offers using this card?
Because SBI Cashback card can’t be used for other offers from the bank.
Kartik Kanwar
Tried it personally once. It worked for ICICI Bank offers.
Rejekibet
Great overview of the Amazon Pay ICICI Bank Credit Card! I love how it offers cashback on Amazon purchases, plus the added benefits for other shopping categories. It really seems like a fantastic option for frequent Amazon shoppers. Thanks for the detailed insights!
Santosh
I have the Amazon Pay CC, does anyone know if it qualifies as a Visa “platinum” card though?
Hemali
Great for Amazon shoppers, but keep in mind the 5% discount applies only if you pay the full amount
Kartik Kanwar
Yes very key point
Jeet
Can we still apply for this card??
Kartik Kanwar
Yes, applications for the Amazon ICICI Credit Card are being taken.
Aman
What are the interest rates for long-term users of ICICI, and how much time is given to the user to pay the bill?
Kartik Kanwar
Interest rates charged for Amazon ICICI Credit Card is 3.5% – 3.8% per month. You would be getting a billing cycle of 50 days.
Praveen
This card has stopped giving cashback for wallet load like Paytm etc., Please check the details before you apply for the card.
Anonymous
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.
Kartik Kanwar
There are a few issues on the ICICI Bank app. But regardless the card is good. Best thing to do is to pay the amount due in one go and ignore the current outstanding.
Senthil
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.