Amazon Pay ICICI Bank Credit Card Benefits; E-commerce has transformed the spending habit and the cashback on credit cards can save a considerable amount of money. The Amazon Pay ICICI Bank credit card is one of these options that are popular in India. This card has lifetime free membership, no joining fees and good cashbacks particularly to Amazon users. A full instructions of its features, rewards, benefits, limitations, eligibility and whether you should apply it in 2025 or not are expounded below.
Key Highlights of Amazon Pay ICICI Bank Credit Card
- Lifetime Free Membership (No joining fee and no annual fee)
- Unlimited Cashback on eligible transactions
- Higher Cashback on Amazon shopping
- Lower Forex Markup Fee of 1.99% for international payments
- Fuel surcharge waiver at select fuel stations
This card is particularly beneficial for individuals who frequently shop on Amazon and use Amazon Pay for payments.
Cashback & Reward Structure (Updated for 2025)
| Spend Category | Cashback for Prime Members | Cashback for Non-Prime Members |
|---|---|---|
| Purchases on Amazon.in | Up to 5% | Up to 3% |
| Amazon Pay Partner Merchants | Around 2% | Around 2% |
| Other offline/online transactions | Around 1% | Around 1% |
How Cashback is Received
- Cashback is provided as Amazon Pay Balance.
- This balance can be used for recharges, bill payments, travel bookings, food orders, shopping, and more through Amazon Pay.
- There is no upper limit on cashback earning, which makes it more valuable than many annual fee credit cards.
Eligibility Criteria and Documentation
Who Can Apply
- Applicant must be at least 21 years old
- Both salaried and self-employed individuals are eligible
- Approval depends on the applicant’s income, credit score, and Amazon Pay profile
Required Documents
- PAN Card
- Aadhaar Card or Address Proof
- Income Proof (only if requested)
Limitations and Points to Consider
Despite being one of the best free credit cards, there are certain limitations you should be aware of:
- Cashback outside Amazon is comparatively low (around 1%)
- Cashback is only provided as Amazon Pay Balance, not as direct statement credit
- In cases of large or unusual spending, reward points may be temporarily held as part of internal verification
- Late payment of bills will result in penalties and high interest rates, as with any credit card
If you do not shop much online or rarely use Amazon Pay, the benefits will be limited.
Who Should Apply for This Card
This card is a suitable choice if you:
- Shop regularly on Amazon
- Are an Amazon Prime member
- Use Amazon Pay for most digital payments
- Pay credit card bills on time
Who Should Avoid This Card
You may not find this card useful if:
- You spend mostly offline
- You rarely use Amazon or Amazon Pay
- You need travel rewards, lounge access, hotel discounts, and other premium benefits
Final Verdict
Amazon Pay ICICI Bank Credit Card is one of the lifetime-free cashback cards in India. It is a great alternative to those who do a lot of shopping in Amazon but do not need to pay the annual fees. The unlimited cashback model is more valuable than most of the paid credit cards. But in the case your spending behavior is primarily offline, or when you need high-end lifestyle and travel benefits, there are other credit cards to look into.
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Braj Verma is a resident of Rajgarh in Madhya Pradesh and is a content writer and freelancer by profession. He has a degree in Political Science from Barkatullah University, Bhopal. He has expertise in subjects like credit cards, banking, loan, insurance, political analysis and digital marketing.