INDEPENDENT PUBLIC DIRECTORY: Eligo does not issue credit cards, collect customer applications, or earn affiliate referral commissions. All terms, fees, and interest charges below are sourced directly from the official icicibank.com (ICICI Bank Ltd.) Most Important Terms and Conditions (MITC).

🏛️ICICI Bank Ltd.Network: VisaShopping & Rewards CardsLast Verified: 2026-09-28

Amazon Pay ICICI Credit Card

अमेज़न पे आईसीआईसीआई क्रेडिट कार्ड

India's benchmark Lifetime Free credit card offering uncapped 5% cashback on Amazon, 2% on utility bills, and automatic monthly wallet credits.

Annual FeeLifetime Free (₹0 Joining Fee / ₹0 Annual Fee)

Reward Rate5% unlimited cashback for Amazon Prime members on all Amazon.in purchases. 3% unlimited cashback for non-Prime members on Amazon.in. 2% unlimited cashback on 100+ Amazon Pay partner merchants (flight bookings, hotel reservations, electricity/water bill payments, mobile recharges, Swiggy, BookMyShow, Zomato). 1% unlimited cashback on all other domestic and international retail spends.

Airport LoungeNo complimentary airport lounge access is included on this lifetime-free co-branded card.

Forex Markup3.50% + GST on foreign currency transactions.

What Is This Card

Amazon Pay ICICI Credit Card is India's most successful co-branded credit card and the benchmark for transparent, lifetime-free retail cards. Backed by ICICI Bank and Amazon India, it delivers completely uncapped 5% cash back for Amazon Prime members (3% for non-Prime) and 2% on bill payments, deposited directly into Amazon Pay balance every single month with zero annual fees.

Key Benefits (Official MITC Sourced)

💳Annual Fee & Joining Fee

Lifetime Free (₹0 Joining Fee / ₹0 Annual Fee)

Fee Waiver: Unconditionally Lifetime Free (LTF) with zero annual renewal spends required.

🎁Welcome Benefit

Amazon Pay balance cashback gift card worth up to ₹2,500 (plus 3 months of Amazon Prime membership for non-Prime applicants) upon card approval and first transaction.

⚡Reward Points Structure

5% unlimited cashback for Amazon Prime members on all Amazon.in purchases. 3% unlimited cashback for non-Prime members on Amazon.in. 2% unlimited cashback on 100+ Amazon Pay partner merchants (flight bookings, hotel reservations, electricity/water bill payments, mobile recharges, Swiggy, BookMyShow, Zomato). 1% unlimited cashback on all other domestic and international retail spends.

Redemption Value: 1 Reward Point = ₹1.00. Earnings are automatically converted to Indian Rupees and credited directly into the cardholder's linked Amazon Pay wallet at the end of every monthly billing cycle without requiring manual redemption or paying redemption fees.

🛫Airport & Railway Lounge Access

No complimentary airport lounge access is included on this lifetime-free co-branded card.

🛡️Insurance & Fuel Surcharge Waiver

Insurance Cover: Standard zero lost card liability cover up to credit limit upon reporting unauthorized transactions within 24 hours.

Fuel Surcharge: 1% fuel surcharge waiver on all fuel transactions across all petrol pumps in India (no maximum monthly cap).

🎯Milestone Spends & Grace Period

Milestones: No milestone hurdles; every rupee spent earns flat, uncapped cashback credited automatically every billing cycle.

Interest-Free Period: Up to 50 days of interest-free credit from transaction date.

What's Missing (Eligo's Honest Disclosures)

Fine-Print Exclusions & Realistic Costs

Does not provide complimentary domestic or international airport lounge access. Offline non-partner spend yields a standard 1% return. Cash advances attract high 3.80% monthly finance charges from day one. International spend attracts a standard 3.50% forex markup.

Forex Markup Fee3.50% + GST on foreign currency transactions.

Cash Advance Fee2.5% of withdrawn amount or ₹500 (whichever is higher) + 3.80% monthly finance charges.

Finance Charges (Interest)3.50% to 3.80% per month (42.00% to 45.60% per annum) on revolving credit balances.

Late Payment SlabsNil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹500 for ₹501–₹1,000; ₹750 for ₹1,001–₹5,000; ₹900 for ₹5,001–₹10,000; ₹1,000 for ₹10,001–₹25,000; ₹1,100 for ₹25,001–₹50,000; ₹1,200 for above ₹50,000 (+ GST).

Reward Points ExpiryAmazon Pay cashback deposited into wallet has no expiry date as long as wallet remains active under RBI KYC guidelines.

Categories Earning ZERO Rewards (Standard MITC Exclusion):Fuel transactions (which get 1% surcharge waiver instead), rent payments, wallet load/top-ups, and gold purchase transactions do not earn 1% cashback.

Eligibility Criteria

Salaried Indian individuals aged 21 to 60 with monthly net take-home pay exceeding ₹25,000 (₹20,000 for existing ICICI Bank account holders). Self-employed individuals aged 21 to 65 with audited annual ITR exceeding ₹3,00,000.

Age Requirement21 to 60 Years

Minimum Income₹25,000/month (Salaried) / ₹3,00,000/year ITR (Self-Employed)

CIBIL Score NoteA credit score of 720+ is standard. Millions of active Amazon shoppers receive instant pre-approved, paperless digital issuance inside the Amazon mobile app.

SBI RelationshipNot mandatory. Open to all Amazon customers across India.

How to Apply (Official Procedure)

Online Digital Application Flow

1Open the Amazon India app or visit icicibank.com/amazon-pay.

2Tap on 'Apply Now' and verify registered Amazon mobile number via OTP.

3Enter PAN card number and confirm employment type and monthly income.

4Confirm delivery address and authorize digital Aadhaar e-KYC.

5Complete swift online Video KYC (V-KYC) with ICICI verification officer.

6Digital card is ready immediately for online Amazon shopping; physical card dispatched within 3 business days.

Branch Application for Offline Applicants

While 99% of issuances are processed digitally via the Amazon app, applicants can visit any ICICI Bank branch with PAN, Aadhaar, and recent salary slips for assisted processing.

Visit Official Card Page (icicibank.com)Download Official MITC (PDF)

Documents Required

1. PAN Card (statutory requirement)

2. Proof of Identity & Residence: Aadhaar Card (mandatory for instant digital e-KYC)

3. Proof of Income: Last 3 months' salary slips with bank statement (Salaried) OR Latest ITR with Computation Sheet (Self-Employed)

4. Live digital photograph captured during V-KYC.

Frequently Asked Questions (Official MITC)

What happens if I miss the minimum payment due on Amazon Pay ICICI Credit Card?

If you do not pay at least the Minimum Amount Due (MAD) on or before the due date, late payment penalties will be charged according to the issuer's tariff: Nil for outstanding up to ₹100; ₹100 for ₹101–₹500; ₹500 for ₹501–₹1,000; ₹750 for ₹1,001–₹5,000; ₹900 for ₹5,001–₹10,000; ₹1,000 for ₹10,001–₹25,000; ₹1,100 for ₹25,001–₹50,000; ₹1,200 for above ₹50,000 (+ GST).. In addition, revolving finance charges at 3.50% to 3.80% per month (42.00% to 45.60% per annum) on revolving credit balances. will be calculated from the original transaction dates on all outstanding balances and fresh purchases. You will lose the interest-free grace window, and the overdue record will be transmitted to credit bureaus (CIBIL, Experian, CRIF High Mark), adversely impacting your credit score.

Can I convert transactions on Amazon Pay ICICI Credit Card into EMI?

Yes, ICICI Bank Ltd. provides merchant EMI and post-purchase in-app EMI conversion options for eligible transactions (typically above ₹1,500 to ₹2,500). Cardholders can configure repayment schedules from 3 to 24 months via the bank's mobile application, net banking dashboard, or SMS prompt. Conversion is subject to a nominal one-time processing fee (usually 1% to 2% + 18% GST) and tenure-based interest charges.

How do I track and redeem reward points or cashback on Amazon Pay ICICI Credit Card?

You can monitor accrued reward points or cashback by accessing your monthly e-statements or logging into ICICI Bank Ltd.'s official mobile banking application or web portal. 1 Reward Point = ₹1.00. Earnings are automatically converted to Indian Rupees and credited directly into the cardholder's linked Amazon Pay wallet at the end of every monthly billing cycle without requiring manual redemption or paying redemption fees. Please note: Amazon Pay cashback deposited into wallet has no expiry date as long as wallet remains active under RBI KYC guidelines.

What is the interest-free grace period on Amazon Pay ICICI Credit Card and how does it work?

The interest-free period on Amazon Pay ICICI Credit Card is Up to 50 days of interest-free credit from transaction date.. This benefit is applicable strictly when the full Total Amount Due from the previous billing cycle was cleared by the payment due date. If any residual balance is carried forward, all purchases immediately incur daily finance charges (3.50% to 3.80% per month (42.00% to 45.60% per annum) on revolving credit balances.) with zero grace period. ATM cash withdrawals never receive a grace period and incur interest and cash advance fees from the withdrawal timestamp.

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