Summary
Amazon Pay ICICI Credit Card is a lifetime free credit card that caters to Amazon customers, with excellent cashback rewards. It does not charge any joining fees or annual fees, thus it is a cost-saving card. The highlight of the card is its cashback mechanism, which gives real savings in a simplified reward points manner.
Prime members receive 5% cashback on every Amazon buy, so if you spend ₹10,000 on Amazon, you receive ₹500 cashback in your Amazon Pay balance. Non-Prime members receive 3% cashback on Amazon spends, which amounts to ₹300 cashback on ₹10,000 spent. You also receive 2% cashback when you use Amazon Pay at partner merchants like Swiggy, Zomato, and BookMyShow, and 1% cashback on all other spends, excluding fuel.
One of the biggest advantages of this card is that the cashback is auto-deposited into your Amazon Pay wallet at the end of each month, so no manual tracking or reward points redemption is required. Also, there’s no fuel surcharge of 1% on transactions over ₹200.
Introduction
In today’s digital age, credit cards have become an important financial tool. Especially Amazon Pay ICICI Credit Card is a great option which is very beneficial for online shoppers. Amazon Pay ICICI Credit Card is specially designed for those customers who want to take advantage of cashback and special offers on their daily expenses. With Amazon Pay ICICI Credit Card, customers can not only get maximum benefit while shopping on Amazon but can also use it at other places.
Amazon Pay ICICI Credit Card has many major advantages. First of all, Amazon Pay ICICI Credit Card offers customers cashback on every purchase. If you shop from Amazon regularly, you can get maximum cashback on your every purchase, which helps in reducing your expenses. Apart from this, Amazon Pay ICICI Credit Card comes with different cashback offers and promotions, which can give you more benefits.
Apart from this, there is no annual fee in Amazon Pay ICICI Credit Card, making it even more attractive. This feature attracts new customers who are looking for a credit card that does not have hidden charges. Applying for Amazon Pay ICICI Credit Card is also easy. Through ICICI Bank’s website or Amazon, you can apply by following only a few simple steps.
In today’s article, we will discuss in detail about Amazon Pay ICICI Credit Card. In which we will tell you in detail about its benefits. Along with this, we will also discuss the fees of Amazon Pay ICICI Credit Card in this article and will also discuss in detail how to apply for it. So read this article till the end so that you do not have any problems later.
What is the Amazon Pay ICICI Credit Card?
Credit card is a special type of card introduced in collaboration with Amazon and ICICI Bank. Amazon Pay Credit Card is specially designed for those customers who like to shop online. With this, customers can get cashback and other benefits on purchases made on Amazon. Amazon Credit Card can be used not only on Amazon but also elsewhere.
The biggest attraction of Amazon Pay Credit Card is that cashback is available on every purchase, allowing customers to save on their expenses. Apart from this, there is no annual fee, making it even more convenient. Its application process is also easy and for this, the customer has to submit some important documents. Overall, Amazon Pay Credit Card is a beneficial option, designed to give you maximum benefits while shopping.
How is the Amazon Pay ICICI Credit Card designed?
Credit Card is issued as a free card for a lifetime with no joining and yearly fees. The card is specially designed for customers of Amazon with cashback rewards on spending.
On every other purchase, you earn 1% cashback. You receive cashback automatically into your Amazon Pay account each month. The card is contactless with Visa power and makes transactions speedy and safe.
What are the benefits of the Amazon Pay ICICI Credit Card?
Here’s the way you earn rewards in real cashback:
- 5% Cashback – You earn ₹5 cashback for every ₹100 spent at Amazon as an Amazon Prime member.
- 3% Cashback – You earn ₹3 cashback for every ₹100 spent at Amazon if you are not a Prime member.
- 2% Cashback – On payments to Amazon Pay partner merchants (like Swiggy, Zomato, BookMyShow, etc.)).
- 1% Cashback – On all other purchases (except fuel).
Additional Benefits:
- No Joining Fee or Annual Fee – The card is free forever.
- Auto-Credit of Cashback – No redemption is required; the cashback is credited directly to your Amazon Pay balance every month.
- Waiver of 1% Fuel Surcharge – Save on fuel transactions of more than ₹200.
What are the fees for the Amazon Pay ICICI Credit Card?
Here is a simple Amazon Credit Card fee breakup.
| Joining Fee | NIL |
| Annual Fee | NIL |
| Add-on Card Fee | There are no charges for additional cards for family members. |
| Finance Charges | If you don’t pay your bill in full, 3.5% per month (42% annually) 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 – NilRs. 101 – Rs. 500 – Rs. 150Rs. 501 – Rs. 5,000 – Rs. 500Rs. 5,001 – Rs. 20,000 – Rs. 750Rs. 20,000 & above – Rs. 1,000 |
What are the criteria for getting an Amazon Pay ICICI Credit Card?
The following are the primary requirements:
- You must be between 18 and 70 years old to apply for the Amazon Pay ICICI Credit Card.
- The income requirement differs according to your employment status:
- Self-Employed Professionals: A minimum Annual income of Rs 1 lakhs usually does the job.
- A secured income ensures regular, timely payments on the credit card bill. Any amount above it increases the probability of approval.
- Your credit score plays a role in the selection process. It is a tendency for ICICI Bank to favor borrowers with a better credit score usually above 750.
- You must be an Indian resident and have valid address proof within the country.
- A salaried person must be employed with a reputed company or organization. The bank can ask you for documents like your salary slip or employment letter.
- A Self-employed person must have business experience in the past years, generally 2+ years. You must show the bank proof of good consistent income. This may be your income tax returns and bank statements.
What documents are required to get an Amazon Pay ICICI Credit Card?
The documents that you will have to submit to Get a Amazon Pay 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 employee Bank statement for the last 3 months ITR for self-employed persons |
| Photograph | The latest passport-sized photograph |
Where can the Amazon Pay ICICI Credit Card be used?
Here is the list of places where you can use it:
- With the Amazon Pay 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 Credit Card to pay for expensive items such as electronics or appliances through easy monthly installments (EMIs).
- The Amazon Pay 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 Credit Card?
The credit amount you can spend is what you are provided with an Amazon Pay 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 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 Credit Card.
- Just hover your cursor on the Amazon Pay ICICI 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 submitting 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 Credit Card.
- Request for the credit card application form for the Amazon Pay Credit Card. They will provide you with the form and proceed accordingly.
- Fill the details in the application form wherever it is required. Care should be taken that all the information about personal details, income, and jobs provided by the applicant should be correct.
- Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and pas hotograph.
- 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 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, or mobile app or by calling their customer service.
- For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.
Would getting an Amazon Pay ICICI Credit Card in 2025 be right?
Yes, getting an Amazon Pay ICICI 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
Amazon Pay Credit Card is a great financial instrument designed specifically for online shoppers. Using Amazon Pay Credit Card gives you many benefits, such as cashback on every purchase, special offers, and discounts, which reduce your expenses. Especially, if you shop on Amazon regularly, then Amazon Pay ICICI Credit Card can prove to be more beneficial for you.
Another major plus point of Amazon Pay Credit Card is that it does not have any annual fee. This aspect makes it superior to other credit cards, as you can plan your finances more easily without paying any extra charges. In addition to this, its application process is simple and uncomplicated. With only a few mandatory documents, you can simply apply and make use of your new card.
But yes, there are a few eligibility requirements to avail Amazon Pay Credit Card. For instance, you need to have a fixed source of income, and you need to be more than 18 years old. Besides that, your credit report is also essential. In case you are an intelligent shopper and want to keep your expenditures in check, then the Amazon Pay Credit Card can turn out to be a fantastic idea for you.
Frequently Asked Questions (FAQ’s)
Ans: Yes, it is subject to card usage. Cashback is generally the highest on purchases from Amazon and could be other rates elsewhere.
Ans: Yes, there are time-to-time offers and promotions with Amazon Pay Credit Card, which give you extra benefits. These offers can be on various product categories.
Ans: If your application is declined, you can call ICICI Bank to understand the reason. Then you can enhance your credit history and apply again.
Ans: Yes, you will have to submit documents such as identity proof, address proof, and income proof during the time of application.
Ans: Yes, with the Credit Card you can avail EMI facility on spending more than once, allowing you to divide your payment into convenient installments.
