अमेज़न पे आईसीआईसीआई क्रेडिट कार्ड
जारीकर्ता बैंक / संस्था: ICICI Bank Ltd.
India's benchmark Lifetime Free credit card offering uncapped 5% cashback on Amazon, 2% on utility bills, and automatic monthly wallet credits.
💳कार्ड विवरण एवं मुख्य लाभ (Card Overview & Benefits)
कार्ड का संक्षिप्त विवरण
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.
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.
No complimentary airport lounge access is included on this lifetime-free co-branded card.
1% fuel surcharge waiver on all fuel transactions across all petrol pumps in India (no maximum monthly cap).
No milestone hurdles; every rupee spent earns flat, uncapped cashback credited automatically every billing cycle.
📋पात्रता मानदंड एवं नियम (Eligibility & Requirements)
पात्रता की शर्तें
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.
न्यूनतम वार्षिक आय आवश्यकता
₹25,000/month (Salaried) / ₹3,00,000/year ITR (Self-Employed)
📂आवश्यक दस्तावेज (Required Documents)
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.
⚠️क्या कमी है / महत्वपूर्ण शुल्क चेतावनियां (Honest MITC Disclosures & Hidden 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.
🚀आवेदन के चरण (How to Apply)
Step 1: Open the Amazon India app or visit icicibank.com/amazon-pay. Step 2: Tap on 'Apply Now' and verify registered Amazon mobile number via OTP. Step 3: Enter PAN card number and confirm employment type and monthly income. Step 4: Confirm delivery address and authorize digital Aadhaar e-KYC. Step 5: Complete swift online Video KYC (V-KYC) with ICICI verification officer. Step 6: Digital card is ready immediately for online Amazon shopping; physical card dispatched within 3 business days.
❓अक्सर पूछे जाने वाले प्रश्न (FAQs)
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.