Amazon Pay ICICI Credit Card: Unlimited Cashback in 2025

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Eligibility Criteria

21-60

Minimum & Maximum Age Criteria

30,000

Minimum monthly income

750

Minimum Credit Score

Category

, , ,

Minimum Credit Score Required

750

Annual Charges

No Annual Fees

Features

  • 5% Cashback for Prime Users
  • 2% on Amazon Partners
  • 1% Everywhere Else

Welcome Offer

  • ₹300 Cashback on First Use
  • Extra Offers for Prime Users
  • Instant Approval on Amazon

Amazon Pay ICICI Credit Card is a lifetime free credit card designed especially for frequent Amazon shoppers. With up to 5% unlimited cashback on Amazon purchases for Prime members, and rewards on partner websites and other categories, this card is perfect for those who prefer direct cashback without the hassle of reward redemptions.

Written By:

Hasnain Memon

Last Updated:

April 22, 2025

Key Features

  • No Joining or Annual Fee: This card comes with no joining or annual fees, making it cost-effective for users.
  • Unlimited Rewards: There is no cap or expiry date on the rewards earned, allowing users to accumulate benefits over time.
  • Cashback on Amazon Purchases:
    • 5% cashback for Amazon Prime members on purchases made at www.amazon.in.
    • 3% cashback for non-Prime members on purchases at www.amazon.in.
  • Cashback on Amazon Pay Transactions: Earn 2% cashback when using the card on Amazon Pay at over 100 partner merchants.
  • Cashback on Other Payments: Receive 1% cashback on all other payments made with the card.
  • No-Cost EMI: Avail of no-cost EMI options for 3 and 6 months on Amazon.in purchases.
  • Reward Redemption: Rewards are automatically credited as Amazon Pay balance, which can be used for purchases on Amazon or at partner merchants.

Fees And Charges

Fee/Charge Amount
Joining Fee Nil
Annual Fee Nil
Interest Rate 3.4% to 3.6% per month (40.8% to 43.2% annually)
Cash Advance Fee 2.5% of the transaction amount or ₹500, whichever is higher
Foreign Currency Mark-Up Fee 3.5% on international transactions
Late Payment Fee ₹100 to ₹1,000 depending on the outstanding amount
Overlimit Fee ₹500
Returned Payment Fee ₹350
Duplicate Statement Fee ₹100 per statement
EMI Conversion Fee 1% of the transaction amount (for EMI conversions)

 

Pro and Cons:

Pros:

  • High Cashback Rates: Attractive cashback on Amazon purchases and Amazon Pay transactions.
  • No Annual Fee: Lifetime free card with no annual charges.
  • Unlimited Rewards: No cap on cashback earnings.
  • Easy Redemption: Automatic credit of rewards to Amazon Pay balance.

Cons:

  • Limited to Amazon and Amazon Pay: Benefits are primarily for Amazon-related transactions.
  • No Travel Benefits: Lacks perks like lounge access or air miles.
  • High Foreign Currency Mark-Up Fee: 3.5% fee on international transactions.

How To Apply

  1. Online Application:
    • Visit the official ICICI Bank website or the Amazon Pay ICICI Bank Credit Card page to apply online.
  2. Eligibility Check:
    • Ensure you meet the eligibility criteria, including age, income, and credit score requirements.
  3. Documentation:
    • Provide necessary documents such as identity proof, address proof, and income proof.
  4. Approval Process:
    • Upon submission, the bank will process your application and notify you of the approval status.

Additional Information

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  1. Is there any joining or annual fee for this card?
    • No, the Amazon Pay ICICI Bank Credit Card is lifetime free with no joining or annual fees.
  2. How can I redeem the cashback earned?
    • Cashback is automatically credited to your Amazon Pay balance, which can be used for purchases on Amazon or at partner merchants.
  3. Are there any foreign transaction fees?
    • Yes, a 3.5% foreign currency mark-up fee is applicable on international transactions.
  4. Can I avail of no-cost EMI on all purchases?
    • No-cost EMI is available on select purchases on Amazon.in.
  5. Is this card suitable for international use?
    • While the card can be used internationally, the high foreign currency mark-up fee may make it less ideal for frequent international travelers.

About

At FinWitty, we dive deep into the features, benefits, and rewards of various credit cards to bring you honest reviews, comparisons, and recommendations. Whether you’re looking for the best cashback card, travel perks, or fuel savings, we ensure you have all the insights needed to pick the perfect card for your needs.

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