Amazon Pay ICICI Bank Credit Card: Features & Apply

Table of Contents

Summary

Briefly put, the Amazon Pay ICICI Bank Credit Card is among the most rewarding and hassle-free credit cards available in India, especially for online shoppers. It is ideal for frequent shoppers on Amazon India who want to earn cashback on every transaction. Most importantly, the card is lifetime free, i.e., no joining or annual fees, making it an excellent choice even for first-time credit card users.

Also, the card features lucrative cashback rewards of up to 5% for Prime members, 3% for non-Prime members, 2% at partner websites of Amazon Pay, and 1% on everything else. The cashback is awarded as Amazon Pay balance, which is redeemable against a wide range of services including shopping, recharges, and bill payments. Also, the application for the card is completely online and without paper, and you get an immediate digital card upon approval that you can use immediately.

The second advantage is that the card supports contactless payments and can be used anywhere on the Visa network around the world. It also has a 1% fuel surcharge waiver, and you can opt to convert big spends to easy EMIs, making it convenient to make payments towards large bills.

Introduction

In today’s digital era, credit cards are no longer a way to pay – they give savings, convenience, and rewards. Amongst such cards, having witnessed incredible popularity in India is the Amazon Pay ICICI Bank Credit Card. Designed for everyday online shoppers, especially Amazon enthusiasts, the card offers a perfect blend of benefits, convenience, and smart rewards.

To begin with, the Amazon Pay ICICI Bank Credit Card is a co-branded credit card launched by ICICI Bank in partnership with Amazon India and Visa. What makes it unique is its lifetime free feature – you don’t have to pay any joining or annual fees. Also, the entire application process is online, so it’s super easy and quick. It takes just a few minutes for eligible customers to receive the card virtually and start shopping without even waiting for the physical card to arrive.

Also, the biggest strength of this credit card is its reward mechanism. Every time you make a purchase using this card, you earn cashback in the form of an Amazon Pay balance, which can be used on all Amazon services and partner sites. And it gets even better for Amazon Prime members – they earn 5% cashback on Amazon buys. Meanwhile, the non-Prime members are also treated to a decent 3% cashback. In addition to Amazon, you get to earn 2% cashback on affiliate merchants and 1% cashback on all remaining purchases.

Other than that, this card offers easy integration with the Amazon website and application. You can track your spending, see your rewards, and even apply for the card via Amazon. That is especially well-suited to individuals who want to have all things in one place. Also, the card has contactless payment support, which makes your transactions secure and faster.

What is the Amazon Pay ICICI Bank Credit Card?

The ICICI Bank Credit Card Amazon Pay is a high-end credit card that is suitable for individuals who enjoy online shopping, particularly online shopping at Amazon India. It is introduced by ICICI Bank in partnership with Amazon and Visa. Compared to most credit cards, the credit card does not charge any joining or annual fee, so it is free forever. Also, it gives you a reward of cashback in the form of an Amazon Pay balance, which you can use to buy products, pay bills, recharge, and much more.

Other than that, it is also extremely easy to use and handle. You can apply for it online via the Amazon app or ICICI Bank website without having to provide any documents. If the approval happens, your card gets linked to your Amazon account immediately, which indicates you can begin using it immediately even before the card arrives.

How is the design of the Amazon Pay ICICI Bank Credit Card?

The design of Amazon Pay ICICI Bank Credit Card is minimalist but modern. At first glance, the card seems professional and sleek. The card has a black and gold color combination, making it seem luxurious. There is the Amazon Pay logo, ICICI Bank logo, and Visa logo on the front side of the card, laid out neatly. The combination of three logos shows that there is an alliance of these giant brands.

Moreover, the card is designed in a clean manner without any clutter, so it is easy to read and identify. It also supports contactless payment, so you will notice the wave symbol on the card, which means you can simply tap the card to pay without inserting it into a machine.

What are the benefits of the Amazon Pay ICICI Bank Credit Card?

These are the best advantages described simply:

1. Lifetime Free Card

Initially, the card is free of cost. There is no membership fee and no subscription fee, so you can spend a lifetime without any additional charges.

2. Tempting Cashback Offers

The most attractive aspect of this card is the cashback:

5% cashback on Amazon shopping for Prime members.

3% cashback for non-Prime members.

2% cashback on payment at Amazon Pay partner merchants.

1% cashback on all offline and online payments.

Cashback is credited immediately as an Amazon Pay balance, which you can use for purchases, bill payments, or mobile recharges.

3. Instant Digital Card

The moment the approval is done, you already have a digital copy of the card in your Amazon account. You do not have to wait for the card to arrive at your location to use it.

4. No Expiration of Rewards

The rewards earned by you as cashback never expire. You can redeem them whenever you want on Amazon and other Amazon Pay partner sites.

5. Fuel Surcharge Waiver

You receive a 1% fuel surcharge refund at fuel stations all over India when you pay using this card, and you save on filling up.

6. Contactless Payments

The card is contactless payment-enabled, and thus, you can simply tap and pay securely at enabled outlets. Safe, easy, and fast.

7. Accepted Globally

As it is on Visa, the card gets accepted in India and internationally, both online and offline.

8. Easy to Track and Monitor

You can easily monitor your card using the Amazon app or the ICICI Bank iMobile app. You can see your balance, monitor spending, view statements, and pay bills.

What are the fees for the Amazon Pay ICICI Bank Credit Card?

Here is a simple breakdown of the Amazon Pay ICICI Bank Credit Card fees.

Joining Fee	Lifetime Free
Annual Fee	Lifetime Free
Add-on Card Fee	No charges for additional cards for family members.
Finance Charges	If you don’t pay your bill in full, a 3.75% per month (45% annually) charge on the outstanding balance.
Cash Advance Fee	2.5% of the amount withdrawn or ₹500, whichever is higher.
Late Payment Fee	For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000

What are the criteria for getting an Amazon Pay ICICI Bank Credit Card?

1. Age Requirement:

You should be between 18 and 65 years of age.

2. Income Requirement:

Salaried Applicants: The minimum net monthly income is required; however, the bank fixes the amount, which can differ based on the applicant’s profile.

Self-Employed Applicants: A minimum ITR amount is needed; the bank fixes the specific amount and can differ with applicants.

3. Employment Status:

You should have a regular job or business with a fixed income source.

4. Credit Score:

A CIBIL score of 700 and above is preferred for sanction.

5. Residency:

You should be an Indian resident and have a valid address proof.

What documents are required to get an Amazon Pay ICICI Bank Credit Card?

The documents that you will have to submit to get an Amazon Pay ICICI Bank Credit Card are as below:

Identity Proof	Aadhaar card, Passport, Voter ID, Driving license, PAN card
Address Proof	Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address
Income Proof	Salary slip for the last 3 months, if you are a salaried employeeBank statement for the last 3 monthsITR for self-employed persons
Photograph	The latest passport-sized photograph

Where can the Amazon Pay ICICI Bank Credit Card be used?

Here is the list of places where you can use it:

With the Amazon Pay ICICI Bank Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.

You can also use it on websites like Amazon, Flipkart, etc., and also make bookings on websites like MakeMyTrip, Yatra, etc.

You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.

You can use it to book flight, train, or bus tickets, as well as to pay for taxi, Uber, Ola, or hotel bookings.

You can use your credit card to pay electricity and water bills, mobile bills, and internet services.

You can use your Amazon Pay ICICI Bank Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).

The Amazon Pay ICICI Bank Credit Card is also accepted in other countries, where you can make purchases and payments. It is also accepted wherever Visa is accepted.

What is the credit limit of the Amazon Pay ICICI Bank Credit Card?

The credit amount you can spend is what you are provided with an Amazon Pay ICICI Bank Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.

For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.

The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another, or even more, considering his/her profile and financial background.

It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit, then penalties get added, and your credit score also goes down.

How do you apply for an Amazon Pay ICICI Bank Credit Card?

Apply it through both these modes:

Online Application Process:

Visit the official website of the ICICI Bank, i.e.

Go to ‘Cards’, followed by ‘Credit Cards’.

On that page, you can see numerous options for credit cards issued by ICICI Bank; for instance, you can choose the Amazon Pay ICICI Bank Credit Card.

Just hover your cursor on the Amazon Pay ICICI Bank Credit Card, followed by selecting ‘Apply Now‘ from there.

You will be asked to fill out your details, including your name, contact information, income details, and employment status.

Be accurate and updated with the information provided.

You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.

After filling out the details and uploading the documents, review your application to make sure everything is correct.

Apply online through the application form.

The bank will check your application after you submit it. They can ask for extra documents or information if required.

You will be informed about the status of your application, and if approved, your card will be delivered to you.

Offline Application Process:

You can walk into the nearest ICICI Bank branch to apply for the Amazon Pay ICICI Bank Credit Card.

Request for the credit card application form of the Amazon Pay ICICI Bank Credit Card. They will provide you with the form and proceed accordingly.

Fill in the details in the application form wherever it is required. Care should be taken to ensure that all the information about personal details, income, and jobs provided by the applicant is correct.

Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport photograph.

Your application will be processed, and your information will be cross-checked at the bank level.

In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.

You will receive the Amazon Pay ICICI Bank Credit Card by post at the same postal address.

Once you receive your card, you need to activate it by following the instructions given in the envelope, either through the ICICI Bank Card website, mobile app, or by calling their customer service.

You must set your PIN (Personal Identification Number) for security purposes before you can start using your credit card.

Would getting an Amazon Pay ICICI Bank Credit Card in 2025 be right?

Yes, getting an Amazon Pay ICICI Bank Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with the purchase of items such as jewelry. On top of that, the bank provides discounts and easy access to the EMI facility.

ICICI Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should make sure that you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.

Conclusion

On the whole, the Amazon Pay ICICI Bank Credit Card is an intelligent and rewarding option for those who are fond of shopping online, especially on Amazon India. It is not just a credit card but a tool that makes you save money while shopping. From earning cashback on every shopping purchase to getting a lifetime free membership, the card serves you in numerous ways by being unique compared to other credit cards in the market.

Plus, the application process is online and free of hassles, so you don’t need to go to a bank branch or fill out lengthy forms. You can apply for the card and receive instant approval through the Amazon app or the ICICI Bank website if you are eligible. So, you can immediately begin making payments and shopping using the card.

But the other very solid reason to go for this card is the good cashback reward scheme. It does not matter whether you are a Prime member or not because you get cashback on every Amazon purchase, Amazon Pay partner sites, and even on regular expenses like fuel, travel, or groceries. All this cashback is returned to you in the form of an Amazon Pay balance, which you can simply use to pay for different services.