In today’s digital age, everyone wants to make payments easily, quickly and securely. If you shop on Amazon every day, the Amazon Pay ICICI Credit Card is a great option for you.
This card, created in a joint venture between ICICI Bank and Amazon Pay, is one of India’s most popular lifetime free credit cards that offers great cashback benefits on daily spending. This card would be a great choice for beginners.
Later in this article, we will know the complete Amazon Pay ICICI Card Review. Everything about the features, benefits, eligibility and application process of this card.
Key Highlights
| Feature | Details |
|---|---|
| Issuer | ICICI Bank |
| Network | Visa |
| Type | Lifetime Free Credit Card |
| Reward Type | Amazon Pay Cashback |
| Ideal For | Online Shoppers, especially Amazon users |
| Eligibility | Indian residents with a good credit score |
Also Read: Top 5 Cashback Credit Cards in the USA
Benefits of Amazon Pay ICICI Credit Card
This Amazon Pay ICICI credit card is far ahead in terms of convenience.
1. Lifetime Free Card:
The two biggest advantages of this card are that there is no joining fee and no annual fee. And no matter how many years you use it, you won’t have to pay a single maintenance charge.
2. Cashback on Every Purchase:
The cashback system of this card is very simple and transparent.
| Type of Purchase | Cashback |
|---|---|
| Amazon purchases (Prime members) | 5% |
| Amazon purchases (Non-Prime members) | 3% |
| Amazon Pay partner merchants | 2% |
| All other transactions | 1% |
All cashback is added to your Amazon Pay balance, allowing you to use all the benefits of shopping, recharging, bill payments, and more from Amazon.
3. Instant Approval and Digital Card:
If you apply on the Amazon app or website and you are eligible, you will receive a virtual card within minutes.
4. Universal Acceptance:
This card only works on the Visa network, so you can use it not only in India but also internationally, both online and offline.
5. Transparent Statements:
Due to the transparent system of this card, the billing system of ICICI Bank is very clear. You can easily check cashback, statement and transaction details from Amazon Pay or the ICICI app.
Disadvantages of Amazon Pay ICICI Credit Card
Along with the benefits of the Amazon KICIC I Credit Card, there are several disadvantages.
1. Limited Reward Redemption:
Cashback is only available in the form of an Amazon Pay balance, meaning you cannot transfer it to a bank account.
2. Lacks Premium Perks:
This card does not offer airport lounge access, travel insurance, or any other premium benefits.
3. Forex Markup Fee:
International transactions sometimes incur a 3.5 % forex markup fee.
Eligibility Criteria
Things you need to have to apply for this card.
- Citizenship of India
- Must be 18 years of age or older.
- Must have a valid PAN card, Aadhar card, and address proof.
- Have a stable income and a good credit score (700+)
If you already have an ICICI Bank account, the approval process will be faster.
How to Apply Amazon Pay ICICI Credit Card
You can apply directly through the Amazon app or ICICI Bank’s official website:
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Log in to your Amazon account.
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Search for “Amazon Pay ICICI Credit Card.”
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Click “Apply Now” and fill out the basic details.
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Complete KYC and verification.
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Once approved, your digital card will be ready instantly for online transactions.
Who Should Get This Card?
The Amazon Pay ICICI Credit Card is perfect for:
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Regular Amazon shoppers
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Beginners looking for their first credit card
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Those who prefer cashback over complex reward systems
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Users who want a lifetime free credit card with no hidden fees
If you use Amazon and Amazon Pay every day, this card is very beneficial for you.
Our opinion
Amazon Pay ICICI Credit Card is, without a doubt, one of the best free credit cards in India. Zero annual fees, guaranteed cash back, and hassle-free digital onboarding have made this card very popular.
Although this card does not have any premium features, it can be a low-maintenance, high-value credit card for ordinary users.
Our rating: 4.5 / 5
Best For: This card will be best for Amazon Prime users online super new cardholders.
FAQs
Is the Amazon Pay ICICI Credit Card really free?
Yes, it’s completely free for life. There’s no joining or annual fee.
How do I receive cashback?
Your cashback is automatically added to your Amazon Pay balance every month.
Can I use this card outside India?
Yes, the card is accepted globally on the Visa network, but a 3.5% forex fee applies.
What’s the minimum income required?
ICICI doesn’t publicly disclose it, but generally ₹25,000–₹30,000 per month income is recommended.
Conclusion
For those who shop from Amazon almost every day and who want to get the best credit card with free cashback, this Amazon Pay ICICI credit card will be the best without a doubt.
Easy to use, free maintenance, and reliable bank support have made this card one of the most popular credit cards in India.