Visa

Amazon Pay ICICI Bank Credit Card

A lifetime-free cashback card offering accelerated rewards on Amazon and Amazon Pay spends, with additional rewards on other eligible transactions.

5% Amazon · 3% Amazon · 2% Amazon Pay Partners/ Digital Categories · Nil annual fee

Last verified: 14 Sept 2026. We verify rewards, fees and key terms against issuer sources — terms can change, so confirm current details with the issuer before applying.

Card overview

Card typeCASHBACK

NetworkVisa

StatusACTIVE

Slugamazon-pay-icici

Rewards

5%
Amazon Pay Balance
Amazon · Amazon
ONLINE
Earn 5% as Amazon Pay balance on eligible Amazon India purchases for Prime members.
3%
Amazon Pay Balance
Amazon · Amazon
ONLINE
For non-prime members
2%
Amazon Pay Balance
Amazon Pay Partners/ Digital Categories · Amazon
ONLINE
2% applies to eligible Amazon Pay partner merchant transactions and specified Amazon/Amazon Pay categories including e-books, physical and digital gift cards, Amazon Pay money loading/auto-reloading, bill payments, and mobile/DTH recharges. Applies irrespective of Prime status.
1%
Amazon Pay Balance
Amazon Pay / Digital · Amazon
1% cashback applies to other eligible spends outside the higher-reward Amazon and Amazon Pay categories.

Fees

JOININGNil

No joining fee.

ANNUALNil

No annual fee.

ADD ONNil

Add-on card available; no separate annual fee is currently stated on the official product information.

What doesn't earn rewards

Gold & Precious Metals — Transactions on gold, silver and other precious metals do not earn rewards.
Tax Payments — Tax-related payments do not earn rewards.
EMI Transactions — EMI purchases on Amazon do not earn rewards.
Rent — Rent transactions do not earn rewards.
Fuel — Fuel purchases do not earn rewards, although the card provides a 1% fuel surcharge waiver.

Don't just look at the reward rate — look at where the card refuses to pay.

Benefits

1% fuel surcharge waiver — 1% fuel surcharge waiver is available on eligible fuel transactions, subject to applicable terms and limits.

Eligibility

Salaried

Age21+ up to 60

Minimum income₹20,000 / monthly

ResidencyIndian Resident

Invite-only + applicable ICICI eligibility criteria

Self Employed

Age21+ up to 60

Minimum income₹30,000 / monthly

ResidencyIndian Resident

Invite-only + applicable ICICI eligibility criteria

DecodeCard verdict

8.5/10

Best forAmazon Prime users who regularly shop on Amazon India and people who frequently use Amazon Pay for eligible merchant payments.

Why we like it

5% rewards on eligible Amazon India purchases for Prime members
3% rewards on eligible Amazon India purchases for non-Prime users
2% rewards on specified Amazon Pay and Amazon categories
1% rewards on other eligible spends
No joining fee or annual fee
No limit on reward earnings
Rewards do not expire

Watch out

Invite-only card
Highest reward rate is primarily valuable within the Amazon ecosystem
Amazon rewards vary based on Prime membership and transaction category
Several transaction categories are excluded from rewards
Rewards are credited as Amazon Pay balance rather than unrestricted cash

Read our full analysis

Amazon Pay ICICI Bank Credit Card is an invite-only, lifetime-free card built primarily for Amazon and Amazon Pay users. Amazon Prime members can earn 5% on eligible Amazon India purchases, while non-Prime users earn 3%. Specified Amazon Pay and Amazon categories earn 2%, and other eligible spends earn 1%. The card has no limit on reward earnings, but the actual value is strongest for users who regularly spend within the Amazon ecosystem.

The Amazon Pay ICICI card is one of the simplest cards to evaluate if Amazon is a major part of the user's spending. The headline 5% rate applies only to eligible Amazon India purchases for Prime members; non-Prime users receive 3%, while specified Amazon/Amazon Pay categories receive 2%. The card is lifetime free and has no reward-earning cap, which makes it particularly attractive for regular Amazon users. However, it should not be treated as a general-purpose high-return cashback card because rewards depend heavily on the Amazon ecosystem and several categories are excluded. The card is also invite-only, so meeting the stated eligibility criteria does not necessarily mean an applicant can obtain it.