cNaxelona
ICICI Bank
Core
CX
•••• •••• •••• 7487
Amazon Pay ICICI
cashback
ICICI Bank · Core

Amazon Pay ICICI

cashback 5% on Online Shopping
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Analyzed securely via RBI Account Aggregator. RBI-licensed framework, 100% encrypted, zero CIBIL impact.
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The bottom line
First-year value
+₹18,816.00
incl. joining fee
Ongoing / yr
+₹18,816.00
no annual fee
Fee payback
No fee
free forever

Why it fits: your spend is 36% in this card's accelerated categories — strongest on Online Shopping, worth about ₹740/month back on online shopping.

Estimated on an illustrative spend profile. Use the calculator below to match your own.

What would this card earn you?

Monthly spend₹82,400
₹32,960Your spend₹1,64,800
Annual reward
₹18,816
Annual fee
Free
Net value
+₹18,816
View category breakdown
Travel & Lifestyle₹2,940/yr@ 1%
Dining₹3,648/yr@ 2%
Online Shopping₹8,880/yr@ 5%
Groceries₹1,356/yr@ 1%
Bills & Utilities₹864/yr@ 1%
Fuel₹768/yr@ 1%
Entertainment₹360/yr@ 1%

Reward rates

Online Shopping5 %
Dining2 %
General1 %

Key facts

Annual fee
Free
Joining fee
Free
Interest (p.m.)
3.5%
Forex markup
3.5%
Domestic lounge
None
Intl lounge
None
Fuel waiver
1% (₹100/mo cap)
Min CIBIL
700+

Key Fact Statement

As required by RBI circular RBI/2023-24/53 · auto-generated from live issuer data

RBI KFS
ParameterValueNote
Loan/credit productICICI Bank Amazon Pay ICICI Credit CardProduct name
Annual Percentage Rate (APR)42.00% p.a.Effective cost of credit on outstanding balance
Monthly finance charge3.50% per month on outstandingApplied after interest-free period lapses
Interest-free periodUp to 50 days (if full due paid by due date)No interest when bill settled in full each cycle
Annual fee / joining feeNilCharged on first statement and each anniversary
Minimum amount due (MAD)5% of total outstanding or ₹200 (whichever is higher)Paying only MAD incurs finance charge on remaining balance
Late payment charge₹100–₹1,300 depending on outstanding amountLevied if MAD not paid by due date
Cash advance fee2.5% of amount or ₹500 (whichever is higher)Plus finance charge from day of withdrawal
Forex markup fee3.50% on international / foreign-currency transactionsOver and above the card network exchange rate
Over-limit fee2.5% of over-limit amount or ₹550 (whichever is higher)If spend exceeds sanctioned credit limit
Representative example₹10,000 outstanding for 12 months at 3.50%/month = total repayable ₹12,418 (APR 42.00%)
Rates and charges are indicative and sourced from the issuing bank's Schedule of Charges. Actual charges are determined solely by the issuing bank at the time of sanction. This KFS is auto-generated by Naxelona and does not constitute an offer of credit. Credit is subject to the issuing bank's credit assessment and eligibility criteria.
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Soft check via the RBI Account Aggregator framework — no impact on your CIBIL score.

Overview

The Amazon Pay ICICI Credit Card is a lifetime-free cashback card issued by ICICI Bank, designed for frequent Amazon shoppers and everyday spenders. With no joining fee and no annual fee, it offers a straightforward way to earn cashback on online shopping, dining, and general purchases. Whether you are an Amazon Prime member or a regular online shopper, this card delivers consistent value on every transaction.

Key benefits

Key Benefits

  • Lifetime Free: ₹0 joining fee and ₹0 annual fee — no charges ever.
  • 5% Cashback on Online Shopping: Earn 5% back on eligible purchases made on Amazon.in.
  • 2% Cashback on Dining: Get rewarded every time you eat out at restaurants.
  • 1% Cashback on General Spends: Earn on all other eligible transactions.
  • Fuel Surcharge Waiver: Save 1% on fuel surcharges at petrol stations, capped at ₹100 per month.
  • No Lounge Access Fees to Miss: This is a core cashback card focused on rewards, not travel perks — making it lean and cost-effective.

Rewards

Rewards & Cashback Structure

The Amazon Pay ICICI Credit Card uses a simple, tiered cashback model credited as Amazon Pay balance:

| Spend Category | Cashback Rate |
|---|---|
| Online Shopping (Amazon.in) | 5% |
| Dining | 2% |
| General Spends | 1% |

Important notes:
- Cashback is credited as Amazon Pay balance and can be used for future Amazon purchases.
- Cashback rates and eligible merchant categories are subject to terms set by ICICI Bank and Amazon Pay.
- Certain transaction types such as fuel, cash advances, EMI conversions, and wallet loads may be excluded from cashback earning.

Fees & charges

Fees & Charges

| Fee Type | Amount |
|---|---|
| Joining Fee | ₹0 (Lifetime Free) |
| Annual Fee | ₹0 (Lifetime Free) |
| Finance Charge (Interest Rate) | 3.5% per month |
| Foreign Currency Markup | 3.5% of transaction value |
| Fuel Surcharge Waiver | 1% (capped at ₹100/month) |

Note: The finance charge of 3.5% per month applies on outstanding balances when the full amount due is not paid by the payment due date. This card carries a relatively high forex markup of 3.5%, making it less suitable for international transactions. Always pay your full outstanding balance on time to avoid interest charges.

Features

Card Features at a Glance

  • Card Type: Cashback / Core
  • Issuing Bank: ICICI Bank
  • Network: Visa (subject to card variant issued)
  • Annual Fee: Lifetime Free
  • Domestic Airport Lounge Access: Not available
  • International Airport Lounge Access: Not available
  • Fuel Surcharge Waiver: 1% waiver, up to ₹100 per statement month
  • Welcome Benefit: None
  • Forex Markup: 3.5% — best suited for domestic use

This card is best suited for consumers who shop regularly on Amazon.in and want a no-cost card that delivers consistent cashback without complex reward redemption processes.

Eligibility

Eligibility Criteria

To apply for the Amazon Pay ICICI Credit Card, you must meet the following minimum requirements:

  • Minimum Annual Income: ₹3,00,000
  • Minimum CIBIL Score: 700
  • Nationality: Indian resident
  • Age: As per ICICI Bank's standard credit card eligibility norms (typically 18 years and above)

Tips to improve your chances of approval:
- Maintain a CIBIL score of 700 or above by paying existing dues on time.
- Keep your credit utilisation ratio below 30%.
- Avoid multiple credit applications in a short period.
- Ensure stable and verifiable income documentation is ready (salary slips, ITR, or bank statements).

Terms

Terms & Conditions

  • All cashback rates, reward structures, fees, and features described on this page are based on information available at the time of publication and are subject to change at the discretion of ICICI Bank and Amazon Pay India Private Limited.
  • Cashback is credited as Amazon Pay balance and is governed by Amazon Pay's terms of use.
  • The fuel surcharge waiver is applicable at eligible fuel stations and is capped at ₹100 per billing cycle.
  • Finance charges of 3.5% per month will be levied on any outstanding balance not paid in full by the due date. This equates to an annualised rate of 42% — cardholders are strongly advised to pay their full statement balance each month.
  • Certain spend categories, including but not limited to fuel purchases beyond the waiver cap, cash advances, EMI transactions, and wallet top-ups, may not earn cashback.
  • GST and other applicable taxes will be charged on fees and interest as per prevailing government regulations.
  • Naxelona is a financial products marketplace and not the card issuer. Final approval, terms, and benefits are determined solely by ICICI Bank.
  • Terms and conditions apply. Please read the Most Important Terms and Conditions (MITC) document provided by ICICI Bank carefully before applying.

Frequently asked questions

Is the Amazon Pay ICICI Credit Card really free for life?

Yes. The Amazon Pay ICICI Credit Card has a ₹0 joining fee and a ₹0 annual fee, making it a truly lifetime-free credit card. You will never be charged a fee simply for holding the card, as long as the card's fee structure remains unchanged by ICICI Bank.

How is the cashback credited — as points or cash?

The cashback earned on the Amazon Pay ICICI Credit Card is credited directly as Amazon Pay balance to your linked Amazon account. It is not points-based. You can use this balance to pay for purchases on Amazon.in, including products, bills, and Amazon services.

What is the interest rate if I do not pay my full bill?

If you do not pay the full outstanding amount by your payment due date, ICICI Bank charges a finance charge of 3.5% per month on the unpaid balance. This translates to an annualised rate of approximately 42%. To avoid interest charges entirely, always pay your full statement balance before the due date.

Can I use this card for international transactions?

Yes, you can use the Amazon Pay ICICI Credit Card for international transactions. However, a foreign currency markup fee of 3.5% is applied on all transactions made in foreign currencies. This makes the card relatively expensive for international use, and a dedicated low-forex-markup card may be more cost-effective for frequent international spenders.

Does this card offer any lounge access benefits?

No. The Amazon Pay ICICI Credit Card does not include any domestic or international airport lounge access. It is a core cashback card focused on everyday and online shopping rewards rather than travel perks.

What is the minimum CIBIL score required to apply for this card?

You need a minimum CIBIL score of 700 to be eligible to apply for the Amazon Pay ICICI Credit Card. Additionally, a minimum annual income of ₹3,00,000 is required. Meeting the minimum criteria does not guarantee approval, as ICICI Bank evaluates applications based on their internal credit assessment policies.