MyFinCards
Amazon Pay ICICI Bank

Joining Fee

Free

Annual Fee

Rs. 0 + Taxes

Forex Markup

1.99% + GST

INTERNATIONAL
ICICI Bank
Rewards
Shopping
Cashback
Best For: Amazon Prime members, Frequent Amazon shoppers, Users who want a no-fee rewards card

Amazon Pay ICICI Bank

Rewards Structure

Base Reward Rate

1% on spends

Point Value

1 Point = ₹1

0

Pros

  • No joining or annual fee
  • Unlimited and never-expiring reward points
  • Up to 5% rewards on Amazon purchases for Prime members
  • Low forex markup of 1.99%
  • Seamless automatic conversion to Amazon Pay balance
  • 1% fuel surcharge waiver

Cons

  • Invite-only programme
  • Best rewards limited to Amazon ecosystem
  • Only 1% rewards outside Amazon

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

Rewards credited only to card owner's Amazon account

Invite-only – not available to all applicants

Key Benefits & Features

Rewards automatically credited as Amazon Pay balance every billing cycle

Eligibility Criteria

Min. Annual Income

₹2.4 Lakhs

Age Requirement

21+ Years

Occupation

SALARIEDSELF_EMPLOYED

Required Documents

IDENTITY Proof

Proof of identity

ADDRESS Proof

Proof of address

INCOME Proof

Income Proof
Official Terms & Conditions

About Amazon Pay ICICI Bank

The Amazon Pay ICICI Bank Credit Card is a lifetime-free rewards card with no joining fee and no annual fee, designed to deliver unlimited, never-expiring reward points on every purchase. Prime members earn 5% reward points on Amazon.in purchases, while non-prime members earn 3%. Cardholders also earn 2% reward points at 100+ Amazon Pay partner merchants and 1% on all other spends. Rewards are automatically converted into Amazon Pay balance at the end of each billing cycle, making redemption effortless for any Amazon or Amazon Pay purchase. Beyond its rewards structure, the card offers practical everyday benefits including a low international forex markup of just 1.99%, a 1% fuel surcharge waiver on all fuel purchases, and 3 months no-cost EMI on eligible Amazon.in transactions. The seamless integration with Amazon accounts means earnings are credited directly as Amazon Pay balance within two working days after each billing cycle closes. This card is best suited for Amazon Prime members, frequent Amazon shoppers, and anyone seeking a zero-fee card with strong cashback potential. Its invite-only programme, combined with a straightforward rewards system and wide partner merchant network, makes it a compelling choice for those who regularly shop within the Amazon ecosystem.

Expert Review

Our Verdict

Best no-fee card for Amazon shoppers with 5% rewards for Prime members and unlimited non-expiring points.

Frequently Asked QuestionsAbout Amazon Pay ICICI Bank

BENEFITSWhat are the key benefits of the Amazon Pay ICICI Bank Credit Card?
The Amazon Pay ICICI Bank Credit Card offers no joining or annual fees, unlimited and never-expiring reward points, 5% rewards on Amazon.in purchases for Prime members, 3% for non-Prime members, 2% rewards at 100+ Amazon Pay partner merchants, 1% rewards on all other spends, a low forex markup of 1.99% on international transactions, 3 months no-cost EMI on eligible Amazon.in transactions, 1% fuel surcharge waiver, and automatic conversion of earnings into Amazon Pay balance every billing cycle.
FEESWhat are the joining and annual fees for the Amazon Pay ICICI Bank Credit Card?
The Amazon Pay ICICI Bank Credit Card has absolutely no joining fee and no annual fee, making it a lifetime-free credit card. There are no hidden charges for card membership, which means you can enjoy all the rewards and benefits without paying any fee to hold the card.
ELIGIBILITYWho is eligible to apply for the Amazon Pay ICICI Bank Credit Card?
To be eligible for the Amazon Pay ICICI Bank Credit Card, you must be an Indian citizen with a minimum age of 21 years. Salaried employees need a minimum monthly income of ₹20,000, while self-employed individuals need a minimum monthly income of ₹30,000. Additionally, this is an invite-only programme, so you must receive an invitation to apply.
APPLICATIONHow can I apply for the Amazon Pay ICICI Bank Credit Card?
The Amazon Pay ICICI Bank Credit Card is an invite-only programme. You can visit the official ICICI Bank credit card page and click on the 'Apply' button to check your eligibility and apply. Since it is invite-only, approval is subject to receiving an invitation. You will need to submit proof of identity, proof of address, and income proof as part of the application process.
DOCUMENTSWhat documents are required to apply for the Amazon Pay ICICI Bank Credit Card?
To apply for the Amazon Pay ICICI Bank Credit Card, you will need to submit the following documents: a valid proof of identity (such as Aadhaar, PAN card, or passport), proof of address (such as utility bills or Aadhaar), and income proof (such as recent salary slips for salaried individuals or IT returns for self-employed applicants). All applicants must be Indian citizens aged 21 or above.
REWARDSHow do reward points work on the Amazon Pay ICICI Bank Credit Card?
Reward points are earned on every ₹100 spent. Amazon Prime members earn 5 points on Amazon.in purchases, non-Prime members earn 3 points, and 2 points are earned at 100+ Amazon Pay partner merchants. All other spends earn 1 point per ₹100. These points never expire and are automatically converted into Amazon Pay balance at the end of every billing cycle, making redemption seamless and effortless.
USAGEHow can I redeem my Amazon Pay reward points?
You do not need to manually redeem your reward points. At the end of every billing cycle, your earned reward points are automatically converted into Amazon Pay balance and credited to your linked Amazon account within 2 working days. The Amazon Pay balance can then be used for partial or full payment of all purchases on Amazon.in and other Amazon Pay-enabled platforms.
REWARDSHow can I earn 2% cashback on Amazon Pay partner sites?
To earn 2% cashback on Amazon Pay partner websites, you need to select the 'Login and Pay with Amazon' payment method when making purchases on those partner sites. This ensures the transaction is linked to your Amazon Pay account and the corresponding reward points are credited. Over 100 partner merchants support this payment method.
OTHERWhat should I do if I haven't received my Amazon Pay ICICI Bank Credit Card?
You will typically receive the physical card within 7 working days from the date of approval. An SMS will be sent once your card is dispatched. In the meantime, you can use your virtual card details for online transactions. If you do not receive the card within 7 working days, please call ICICI Bank Customer Care on the toll-free number 1800 1080 for assistance.
USAGEHow can I generate or change the PIN for my Amazon Pay ICICI Bank Credit Card?
You can generate or change your credit card PIN through three methods: via the ICICI Bank iMobile app (Services > Card PIN Services > Generate Credit Card PIN), through Net Banking (Generate Card PIN > Credit Card PIN > Select Card > Enter CVV > Submit > Enter OTP > Enter PIN), or by calling the toll-free IVR number 1800 1080 and following the automated instructions.
INTERNATIONALWhat is the forex markup fee for international transactions on this card?
The Amazon Pay ICICI Bank Credit Card charges a low foreign currency markup fee of 1.99% on international spends. This is relatively lower compared to many other credit cards in India that typically charge 3–3.5%. This makes the card a cost-effective option for international purchases and travel-related transactions abroad.
APPLICATIONCan I apply for an add-on card for the Amazon Pay ICICI Bank Credit Card?
Yes, you can apply for an add-on card. You can do this through the ICICI Bank iMobile app (Cards & Forex > Credit Cards > Get Plus Card) or via Net Banking (Cards > Credit Cards > Get Plus Card). After submitting the add-on applicant's details, they will receive a consent form, need to fill in their application details, and complete a Video KYC (V-KYC) process.
FEESWhat are the charges for late payment and ATM withdrawals on this card?
For ATM cash withdrawals, an interest of 3.75% per month is charged on the withdrawn amount. If only the minimum due amount is paid, an interest of 3.75% per month applies to the outstanding balance. Late payment fees range from ₹100 to ₹1,300 depending on the outstanding amount. It is recommended to pay your full bill on time to avoid these charges.
REWARDSWill reward points earned on a borrowed Amazon Pay ICICI Bank Credit Card be credited to my Amazon account?
No. Reward points and Amazon Pay balance earnings are always credited to the primary cardholder's Amazon account, not to the account of the person using the card. If you use someone else's Amazon Pay ICICI Bank Credit Card for your transactions, the applicable Amazon Pay balance will be added to the card owner's Amazon account, not yours.
BENEFITSIs there a fuel surcharge waiver on the Amazon Pay ICICI Bank Credit Card?
Yes, the Amazon Pay ICICI Bank Credit Card offers a 1% fuel surcharge waiver on all fuel purchases across fuel stations in India. This benefit helps cardholders save on every fuel transaction, making it a practical everyday card beyond just Amazon shopping. The waiver is applied automatically on eligible fuel transactions made using the card.

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