The Amazon Pay ICICI Bank Credit Card is an excellent choice for shoppers who frequently use Amazon.in. A co-branded credit card from ICICI Bank and Amazon, it is designed to enhance convenience and savings. Here is a detailed view of its key features, benefits, and charges.
Lifetime-free Card
This credit card comes with no joining or annual fees, making it an affordable option for users. Regardless of your spending, you can enjoy all the benefits of this card without worrying about maintenance costs.
Rewarding Cashback Program
The Amazon Pay ICICI Bank Credit Card features a tiered cashback structure designed to reward users across various categories:
For Amazon Prime Members
| Category | Reward Rate |
| Purchases on Amazon.in (excluding physical and digital gold, EMI transactions, post EMI conversions, and Amazon Business purchases) | 5% |
| Flight and hotel bookings made on Amazon.in | 5% |
| Purchases of Amazon Pay Gift Cards and e-books on Amazon.in | 2% |
| Payments made to Amazon Pay partner merchants using the card via the Amazon Pay wallet | 2% |
| All other transactions outside Amazon.in (excluding fuel and EMI-related spends) | 2% |
| International transactions | 1% |
For Non-Prime Members
| Category | Reward Rate |
| Purchases on Amazon.in (excluding physical and digital gold, EMI transactions, post EMI conversions, and Amazon Business purchases) | 3% |
| Flight and hotel bookings made on Amazon.in | 3% |
| Purchases of Amazon Pay Gift Cards and e-books on Amazon.in | 2% |
| Payments made to Amazon Pay partner merchants using the card via Amazon Pay wallet | 2% |
| All other transactions outside Amazon.in (excluding fuel and EMI-related spends) | 1% |
| International transactions | 1% |
*Disclaimer: The mentioned details are subject to the terms and conditions set by the card issuer.
The cashback is credited as an Amazon Pay balance, which can be used for purchases on Amazon.in or payments at partner merchants. The rewards do not expire, allowing you to accumulate and use them as per your convenience.
Fuel Surcharge Waiver
Cardholders enjoy a 1% fuel surcharge waiver across all petrol pumps in India. This feature is beneficial for frequent drivers who want to save on fuel costs.
Seamless Integration with Amazon
The card is directly linked to your Amazon account, and the cashback rewards are automatically credited to your Amazon Pay balance at the end of each billing cycle. This ensures a hassle-free reward redemption experience.
Enhanced Security
The Amazon Pay ICICI Bank Credit Card includes microchip and PIN-based security features to protect against fraud and counterfeiting. The cardholder is also protected with secure OTP-based online transactions.
Online Application Process
The application process is entirely digital, making it convenient and quick. You can apply via the Amazon website or app. Once approved, the card is issued without requiring physical documentation, thanks to e-KYC.
Unlimited Rewards
Unlike many other credit cards, there is no cap on the rewards you earn with this card. Additionally, the rewards do not expire, giving you the flexibility to use them whenever you like.
Interest Rates and Charges
The following table summarises the interest rates and other charges associated with the Amazon Pay ICICI Bank Credit Card:
| Particulars | Details |
| Joining Fee | Nil |
| Annual Fee | Nil |
| Supplementary Card Fee | Nil |
| Finance Charges | 3.5% to 3.8% per month (42% to 45.6% annually) |
| Cash Advance Fee | 2.5% of the transaction amount (minimum ₹500) |
| Late Payment Fee | Nil to ₹1,200 depending on the total amount due |
Disclaimer: The mentioned rates are subject to change at the issuer’s discretion.
How to Apply
You can apply for the Amazon Pay ICICI Bank Credit Card in just a few steps:
- Log in to your Amazon account
- Navigate to the ‘Credit Card’ section under Amazon Pay
- Click on ‘Apply Now’ and fill in the required details
- Complete the e-KYC process online or schedule a representative’s visit for verification
- Once approved, the card is dispatched to your address
Conclusion
The Amazon Pay ICICI Bank Credit Card is an excellent choice for individuals who shop frequently on Amazon and want to maximise their savings. With its lifetime-free benefit, rewarding cashback program, and additional perks like dining discounts and fuel surcharge waivers, this card provides exceptional value. Its seamless integration with Amazon and secure features further enhance its appeal.
If you are an avid Amazon shopper or someone who values a simple yet rewarding credit card, the Amazon Pay ICICI Bank Credit Card might just be the perfect fit for you.
