ICICI Bank
Amazon Pay ICICI Credit Card
4.6 / 5visa
- Joining fee
- Lifetime free
- Annual fee
- Lifetime free
- Base reward
- 1%
- Min income
- ₹20,000/mo
- Forex markup
- 1.99%
- Interest p.a.
- 45%
Where it earns
| Category | Rate | Monthly cap |
|---|---|---|
| Online shopping | 5% | Uncapped |
| Everything else | 2% | Uncapped |
Benefits
- ▸5% reward points (Amazon Pay balance) on Amazon.in for Prime members
- ▸3% reward points on Amazon.in for non-Prime members
- ▸2% reward points at 100+ Amazon Pay partner merchants
- ▸1% reward points on all other spends
- ▸Lifetime free - no joining or annual fee
- ▸Reward points auto-credited as Amazon Pay balance with no expiry
- ▸No-cost EMI on eligible Amazon transactions
- ▸Contactless payment enabled
The good
- + Lifetime free card
- + Excellent reward rate on Amazon for Prime members
- + Reward points credited as 1:1 Amazon Pay balance with no expiry
- + Wide merchant acceptance via Visa network
The catch
- − Best 5% rate restricted to Amazon Prime members
- − Rewards usable only as Amazon Pay balance
- − No lounge access or premium travel benefits
- − Invite-only - not openly available