Amazon Pay ICICI Credit Card: Complete review 2026

If you’re someone who shops regularly on Amazon and prefers automatic cashback over managing reward points, the Amazon Pay ICICI Credit Card has likely caught your attention.

The Amazon Pay ICICI Credit Card is a co-branded lifetime free credit card designed specifically for online shoppers who frequently use Amazon’s ecosystem. 

The card operates on a simple cashback model where rewards are automatically credited to the customer’s Amazon Pay balance.

In this article, we’ll break down everything about Amazon Pay ICICI Credit Card.We’ll also help you decide whether this card fits your spending pattern and how to use it smartly.

Joining fee and annual fee

The joining fee and annual fee for Amazon Pay ICICI credit card is nil as its a lifetime free credit card.

Other charges

• Finance charges: Up to 3.40% per month (~40.80% per annum)

• Cash advance fee: 2.5% of withdrawn amount (minimum ₹500)
• Late payment fee: Varies based on outstanding balance
• Foreign currency markup: 3.5% on international transactions

Welcome benefits on Amazon Pay ICICI credit card

• Complimentary ₹ 2,000 Amazon Pay balance
• ₹ 500 off on Amazon Prime membership
• 1-month EazyDiner Prime membership
• Reliance Digital activation voucher
• Ixigo activation voucher with flat discount on travel bookings

Eligibility Criteria

• Primary applicants between 18 and 60 years; add-on cardholders must be 18+
• Resident status: Indian residents (salaried or self-employed)

Documents required for Amazon Pay ICICI credit card

PAN card, Aadhaar, address proof, and income proof required

Rewards/Cashback rate for Amazon Pay ICICI credit card

The cashback structure varies based on Prime membership status and spending category:

For Amazon Prime members:

Category	Cashback Rate
Purchases on Amazon.in	5%
Flight & hotel bookings on Amazon.in	5%
Bill payments & recharges on Amazon.in	2%
Amazon Pay Gift Cards, e-books, digital categories	2%
Amazon Pay partner merchants (via Login & Pay)	2%
All other eligible merchant spends	1%

For Non-Prime Members:

• 3% cashback on Amazon.in purchases
• 2% cashback at Amazon Pay partner merchants
• 1% cashback on all other eligible spends

Reward exclusions

No cashback is earned on the following:

• EMI transactions and purchases converted to EMI
• Fuel spends
• Rent payments
• Education payments
• Tax payments
• Utility payments (when paid outside Amazon.in)
• International transactions
• Cash withdrawals
• Wallet loads

Reward redemption

Cashback is automatically credited to your Amazon Pay balance at the end of each billing cycle. The Amazon Pay balance can be used for purchases on Amazon.in, bill payments, recharges, and at any Amazon Pay partner merchant — making redemption seamless and friction-free.

Travel & lounge benefits

• Domestic lounge access: Not available
• International lounge access: Not available

Lifestyle & additional benefits

• Fuel surcharge waiver: 1% waiver on fuel transactions between ₹400 and ₹4,000 (max ₹400 per statement cycle)
• Contactless payments: Tap-and-pay enabled for quick transactions
• EMI conversion: Available on purchases above a specified threshold
• Add-on cards: Free supplementary cards for family members
• Dining benefits: Via EazyDiner Prime membership (welcome benefit)

Amazon Pay ICICI Credit Card vs. other cards

Category	Amazon Pay ICICI	SBI SimplyCLICK	SBI Cashback	Axis ACE
Joining/Annual Fee	Lifetime Free	₹499 + GST	₹999 + GST	₹499 + GST
Base Reward	1% cashback	1% (reward points)	1% cashback	1.5% cashback
Accelerated Reward	5% Amazon (Prime), 3% (Non-Prime), 2% partners	10x on Myntra, BookMyShow, Cleartrip; 5x online	5% on all online spends	5% utilities (Google Pay); 4% Swiggy/Zomato/Ola
Welcome Benefits	EazyDiner + activation vouchers	₹500 Amazon voucher	None	None
Milestone Benefits	None	Fee waiver at ₹1L + ₹4,000 vouchers	Fee waiver at ₹2L	Fee waiver at ₹2L
Domestic Lounge Access	None	None	None	4 per year
Rewards Conversion	Auto-credit to Amazon Pay	1 RP = ₹0.25	Direct to statement	Direct to statement
Finance Charges	~40.80% p.a.	~45% p.a.	~45% p.a.	~52.86% p.a.

Competitive insights

The Amazon Pay ICICI Credit Card occupies a unique position in the cashback card market:

Strengths:

• The lifetime free structure removes the pressure of hitting spending milestones for fee waivers
• Automatic cashback to Amazon Pay balance is the simplest redemption mechanism in the market
• 5% cashback for Prime members on Amazon.in is industry-leading for routine shoppers
• Lower finance charges compared to most competitors

Weaknesses:

• Value is concentrated within Amazon’s ecosystem — limited benefit for non-Amazon users
• No lounge access or travel benefits
• 1% on other spends is lower than Axis ACE’s 1.5% base cashback
• No milestone benefits or accelerated rewards outside Amazon’s network

Compared to SBI Cashback’s flat 5% on all online spends, Amazon Pay ICICI is better for Amazon loyalists but weaker for users who shop across multiple platforms. Compared to Axis ACE, it’s simpler but lacks the higher base cashback and lounge access.

Should you get Amazon Pay ICICI Credit Card?

Yes, if:

• Frequent Amazon shoppers and Amazon Prime members
• First-time credit card users looking for a no-fee card with simple rewards
• Users who prefer automatic cashback over managing points and vouchers
• Anyone wanting a secondary card specifically for Amazon and partner spending

No, if:

• Frequent travelers who need lounge access and travel insurance
• Users with diverse online shopping habits spanning multiple platforms beyond Amazon
• Heavy offline spenders who want cashback on physical store purchases
• Users seeking premium lifestyle benefits like concierge or golf privileges
• High-spenders on rent, utilities, or education (excluded from cashback)

How to apply for Amazon Pay ICICI Credit Card?

1. Visit Amazon.in and search for “Amazon Pay ICICI Credit Card” or go directly to the ICICI Bank website
2. Click “Apply Now” and enter basic details
3. Fill required details like monthly income, city of residence, etc
4. Complete e-KYC
5. Upload income documents (salary slips, bank statements, or ITR for self-employed)
6. Review terms
7. Submit the application and wait reply

You may receive your card once your application is approved.

How to activate Amazon Pay ICICI credit card?

To activate your Amazon Pay ICICI Bank Credit Card, you can use either the ICICI iMobile app or Internet Banking.

Method 1: Using ICICI iMobile App

1. Install and open iMobile Pay
2. Log in with your registered mobile number.
3. Go to:
   • Cards & Forex
   • Select your credit card
   • Tap Manage Card
4. Enable:
   • Online transactions
   • International usage (optional)
   • Tap & Pay (optional)

You should also generate your card PIN:

• Go to Services → Card PIN Services → Generate Credit Card PIN.

Method 2: Using ICICI Net Banking

1. Visit ICICI Net Banking
2. Login.
3. Navigate to:
   • Cards & loans
   • Credit Cards
   • Manage Your Card
4. Enable transaction types and set limits.
5. Verify using OTP sent to your mobile.

Generate PIN via IVR (Phone)

You can also activate/set PIN by calling:

• 1800 1080 (ICICI toll-free number)

Follow the automated instructions.

If you haven’t received the physical card yet

• ICICI usually sends the physical card within about 7 working days.
• Some users report that the card appears in Amazon before physical delivery, but full activation and PIN setup may still require the physical card details.

How to use Amazon Pay ICICI Credit Card?

• Subscribe to Amazon Prime if you spend ₹10,000+ monthly on Amazon, the 5% vs 3% difference quickly covers the Prime membership cost
• Route all Amazon.in purchases through this card, including flights, hotels, and recharges
• Use Amazon Pay Login & Pay at partner merchants (Swiggy, BookMyShow, etc.) to unlock 2% cashback
• Avoid using it for excluded categories (rent, fuel, utilities, education), use specialised cards instead
• Pair with a travel card for lounge access and a flat cashback card for non-Amazon spends
• Set up auto-debit for bill payments through Amazon.in to earn 2% cashback automatically
• Use Amazon Pay balance for recharges and bill payments to recycle cashback efficiently

Strategic recommendation

For Amazon-loyal shoppers, this card is a good lifetime free options available in 2026. The combination of zero fees, automatic cashback, and Amazon’s vast ecosystem makes it a strong primary card for online shoppers.

However, it works best as a secondary card of a card portfolio rather than a standalone solution. Pair it with:

• A HDFC regalia for lounge access
• A flat cashback card (Axis ACE, SBI Cashback) for non-Amazon spending
• A specialised card for fuel or rent if those are significant categories for you

Disclaimer

Card features, fees, cashback rates, and partner brands can change over time. Always check the latest details on the official ICICI Bank website or Amazon.in card page, and review the Most Important Terms and Conditions (MITC) before applying or making large spending decisions. Cashback rates and Prime membership pricing are subject to change at the discretion of Amazon and ICICI Bank.