Shopping online is great, but it’s even better when you can earn rewards or cash back for every purchase. The ICICI Amazon Pay Credit Card helps address this by offering rewards, particularly when shopping on Amazon, as well as benefits elsewhere. For people who spend regularly online, not just on Amazon but also for daily bills, etc, this card promises decent returns without many of the usual costs. In this Amazon Pay ICICI credit card review, readers will learn:
- Exactly what rewards and perks this card offers
- How much does it actually cost (what are the fees, interest, etc)
- Where it is strong and where it falls short
- If it is a good match for different kinds of users
By the end, one should know whether this card is worth having.
Amazon Pay ICICI credit card review: Quick overview
| Feature | Detail |
|---|---|
| Card issuer | ICICI Bank (co-branded with Amazon Pay & Visa) |
| Annual fee | Nil (lifetime free) |
| Welcome bonus / joining benefit | Varies — sometimes an Amazon gift card for Prime or non-Prime users; occasional offers. |
| Best for | Frequent Amazon shoppers, people who want cashback without annual fees, and online spenders. |
Key Benefits of the Amazon Pay ICICI Credit Card
Cashback / Rewards
- Prime members get 5% back (in Amazon Pay balance) on purchases made on Amazon India.
- Non-Prime users get 3% on Amazon purchases.
- On Amazon Pay, partner merchants offer 2% back.
- On other purchases (offline, other merchants) 1% reward.
- No cap on rewards; rewards do not expire.
Travel / Other Benefits
- Fuel surcharge waiver of 1% at petrol pumps.
- Contactless payments via chip / NFC (security benefit) for physical transactions.
Shopping / Partner Offers
- Offers via Amazon Pay partner merchants get better rewards (2%) when using the Amazon Pay gateway, etc.
- Dining discounts via ICICI’s “Culinary Treats” programme (some partner restaurants).
EMI / Big Spend Perks
- On Amazon India, there are non-cost EMI options (3- or 6-month) for many items. That helps reduce cash outlay when buying expensive items.
- On large spends, the benefit tends to be mostly via the Amazon reward rate if the big spend is on Amazon. For other spends, ROI is lower.
Amazon Pay ICICI credit card review: Fees and charges
| Type | What it is / How much |
|---|---|
| Interest rate (APR) on purchases/finance/cash advance | Nil — no joining fee, no renewal/annual fee; it is lifetime free. |
| Interest rate (APR) on purchases/finance/cash advance | Depends on how large the unpaid amount is. For smaller outstanding amounts, the fee is lower; for larger amounts, the fee is higher. E.g., ₹100 to ₹1,200 depending on the amount. |
| Late payment fee | Depends on how large the unpaid amount is. For smaller outstanding amounts, the fee is lower; for larger amounts, the fee is higher. E.g., ₹100 to ₹1,200 depending on the amount. |
| Forex / international charges | ~3.5% + GST on foreign transactions. |
| Other charges (surcharge etc) | Depends on how large the unpaid amount is. For smaller outstanding amounts, the fee is lower; for larger amounts, fee is higher. E.g., ₹100 to ₹1,200 depending on the amount. |
Pros & Cons
Pros
- No annual or joining fee.
- High rewards rate for Amazon purchases (especially for Prime members).
- Rewards do not expire.
- Simple structure: you know how much you’ll get in most categories.
- 1% reward on other spends, which is better than many cards with hidden fees.
- Fuel surcharge waiver, some dining discounts.
Cons
- To get the maximum Amazon rewards (5%), one must have a Prime membership, which is an extra cost.
- For non-Amazon purchases, rewards are modest (1%). So if someone spends mostly outside Amazon, returns are low.
- High interest on unpaid balances — as usual with credit cards.
- Some categories are excluded (EMIs, fuel spends for rewards sometimes, etc.).
- In some cases, large reward amounts are put on hold if usage is big or unusual, requiring verification.
Who Should Apply for the Amazon Pay ICICI Credit Card?
Best for:
- Frequent Amazon India shoppers, especially those with a Prime subscription.
- People who like simple rewards and do not want to worry about annual fees.
- Online buyers who also use Amazon Pay partner merchants.
- Those who can pay credit card balances on time, avoiding interest.
Not ideal for:
- Those whose spending is mostly offline or outside Amazon, because the 1% rewards won’t add up much.
- People who want travel perks like lounge access, airport benefits, etc — this card offers minimal in that regard.
- Users who often carry balances with high interest will erode rewards.
- Someone who doesn’t already pay for Prime and doesn’t want to pay for it, since max rewards need Prime.
How to Apply for Amazon Pay ICICI Credit Card
- Eligibility criteria: Must be an Indian citizen, usually aged 18-21 or older (some sources say 21+ for certain categories). For salaried customers, the minimum income is about ₹20,000–₹25,000 per month if already with ICICI; higher for others.
- Documents required: Identity proof (Aadhaar, PAN, Passport, etc.), address proof (utility bill, etc.), income proof (salary slips, bank statements, ITR if self-employed), and KYC.
- How to apply: Via Amazon’s app/website (often via invitation or eligibility check), or through the ICICI Bank website. Often, a virtual/digital card is issued first.
FAQs about Amazon Pay ICICI Credit Card
- Is there an expiry on the rewards?
No, rewards do not expire. - Can one earn rewards on all purchases?
Most purchases, yes, but some categories (like EMIs, fuel in some versions, or certain digital goods) may be excluded or have lower rewards. - Do I need Amazon Prime to get full rewards?
Yes, a Prime membership is needed for the 5% on Amazon purchases. Without Prime, it’s lower (3%) on Amazon purchases. - What happens if I do not pay the full outstanding balance?
High interest (APR around 45-46%) will be charged on the unpaid amount. Late fees also apply. - Is there any surcharge waiver on fuel?
Yes, a 1% fuel surcharge waiver is offered.
Conclusion
The Amazon Pay ICICI Credit Card offers very good value for people who do a lot of shopping on Amazon India — particularly if one is a Prime member. The 5% rewards on Amazon purchases with no annual or joining fee make the returns quite attractive. Even for non-Prime users, the card gives decent benefits. The lack of hidden fees and the simplicity of rewards make it easy to understand.
However, it is less useful for someone whose spend is mostly offline or at places that are not Amazon or Amazon-partners. Also, carrying a balance can eat into rewards because of the high interest rate.
Verdict: For frequent Amazon shoppers, this card is worth it. If one shops enough and spends well, it can save several hundred or thousands of rupees each year.
If you shop a lot on Amazon India, this card can save you a few thousand rupees yearly.
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