Credit Cards · Honest Review
Amazon Pay ICICI Bank Credit Card
ICICI Bank · Visa
Your Verdict
- ✓5% cashback on Amazon for Prime members (3% for non-Prime)
- ✓2% cashback on Amazon Pay partner merchants
- ✓1% unlimited cashback on all other spends
- ✓Lifetime free � zero annual fee forever
- ✓1% fuel surcharge waiver up to ?100/month
What Amazon Pay ICICI Bank Credit Card costs you
Amazon Pay ICICI Bank Credit Card is a lifetime-free credit card — you pay zero joining fee and zero annual fee, ever. This makes it a zero-cost card for any spending level.
| Fee | Amount |
|---|---|
| Annual fee (year 2+) | Free — ₹0 |
| Joining fee (one-time) | Free — ₹0 |
| Fee waiver condition | Lifetime free � no annual fee |
| Foreign transaction fee (forex markup) | 3.5% per transaction |
What you earn on every rupee spent
Amazon Pay ICICI Bank Credit Card earns 1.00% on all eligible spends as a base reward rate, with accelerated rates on online shopping and other bonus categories listed below.
| Category | Reward rate |
|---|---|
| All other spends (base rate) | 1.00% |
| 🛒 Online Shopping | 5% |
?500 Amazon Pay balance on approval
Reward types: Cashback
Beyond the reward rate
The non-reward benefits on Amazon Pay ICICI Bank Credit Card are meaningful for frequent users. Here is what you get with the card.
Who can apply for Amazon Pay ICICI Bank Credit Card
Amazon Pay ICICI Bank Credit Card requires a minimum net monthly income of ₹20,000 for salaried applicants and a CIBIL score of 700 or above. It is open to salaried employees and self-employed professionals.
| Requirement | Detail |
|---|---|
| Minimum monthly income | ₹20,000 |
| CIBIL score | 700+ (good to excellent) |
| Age range | 18–75 years |
| Employment type | Salaried, Self-employed |
| Typical approval time | Instant to 7 working days |
Who should (and shouldn't) get Amazon Pay ICICI Bank Credit Card
- → Heavy spenders on online shopping who want 5% back
- → First-time cardholders who want zero-cost entry
- → Frequent flyers who need airport lounge access
- → International travelers — the 3.5% forex markup adds up quickly
Amazon Pay ICICI Bank Credit Card — Questions answered
Is Amazon Pay ICICI Bank Credit Card free for life?
What is the minimum income required for Amazon Pay ICICI Bank Credit Card?
What is the reward rate on Amazon Pay ICICI Bank Credit Card for online shopping?
Does Amazon Pay ICICI Bank Credit Card provide airport lounge access?
How long does it take to get Amazon Pay ICICI Bank Credit Card approved?
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Get My Personalised Verdict →Information on this page is gathered from public sources and the card issuer's official website. Fees and reward rates may change — verify the current terms on the issuer's website before applying. SingleVerdict may earn a referral fee if you apply through our links, which does not affect our scoring or editorial decisions.