If you are frequently do shopping on Amazon India and want to earn extra rewards without paying any annual fees, the Amazon Pay ICICI Credit Card could be a perfect match for you. This is Co-branded credit card by ICICI Bank and Amazon. This card has become one of the most popular credit cards in India, especially among young shoppers who love shoppings and Prime members.
But is it really worth it in 2025? What are the hidden benefits and limitations? Let’s break down everything – including its features, cashback structure, fees, and how to apply – to help you decide.
Quick Overview – Amazon Pay ICICI Credit Card
| Feature | Details |
| Card Type | Co-branded Cashback Credit Card |
| Best For | Amazon Shopping |
| Joining Fee | ₹0 (Lifetime Free) |
| Annual Fee | ₹0 (No Conditions) |
| Cashback Type | Direct Amazon Pay Balance |
| Issuer | ICICI Bank |
| Eligibility | Based on credit profile & Amazon usage |
Key Features of Amazon Pay ICICI Credit Card
1. Lifetime Free Credit Card
This card is completely free for life – no joining fees, no annual renewal charges, and no hidden costs. No minimum spend requirement either.
2. Earn Cashback on Every Spend
You get direct cashback in the form of Amazon Pay Balance, based on where you shop:
| Spend Type | Cashback (%) |
| Amazon.in (Prime Members) | 5% |
| Amazon.in (Non-Prime Members) | 3% |
| Partner Merchants (using Amazon Pay) | 2% |
| All Other Spends | 1% |
Cashback is automatically credited to your Amazon Pay account every month – no manual redemption required.
3. Instant Digital Card Issuance
Once approved, you can start using the virtual credit card instantly on your Amazon account, even before the physical card is delivered.
4. Accepted Everywhere
It’s a Visa credit card, so it’s accepted at over 99% of online and offline merchants in India.
ALSO READ: Top 10 Credit Cards In India
Benefits of Amazon Pay ICICI Credit Card
Best for Amazon Users
If you regularly shop on Amazon – whether it’s electronics, groceries, or fashion – you’ll earn 5% cashback as a Prime member. That’s one of the highest rates in the industry.
No Fees, No Stress
Many credit cards offer cashback but come with conditions like annual fee waivers or hidden charges. This card is truly zero-maintenance.
Seamless Cashback Experience
Unlike reward points that require conversion or redemption, here you get real cash in Amazon Pay balance, which you can use instantly to pay bills, book tickets, or shop.
Cashback on Amazon Pay Partners
You earn 2% cashback when you use this card at Amazon Pay partner merchants like:
- Swiggy
- BookMyShow
- RedBus
- Netmeds
- Yatra
- Domino’s, and more
Build Credit History
Being a real credit card from ICICI Bank, it helps you build or improve your credit score, as your usage and repayments are reported to CIBIL.
ALSO READ: Top 10 lifetime free credit card in India 2025
Fees & Charges – Amazon Pay ICICI Credit Card
Here’s a breakdown of the main charges:
| Charge Type | Amount / Details |
| Joining Fee | ₹0 |
| Annual Fee | ₹0 (Lifetime Free) |
| Interest Rate | 3.50% per month (42% p.a.) |
| Late Payment Fee | ₹100 to ₹1200 (based on bill amount) |
| Cash Withdrawal Fee | 2.5% of amount withdrawn (Min ₹300) |
| Foreign Transaction Fee | 3.50% |
| Reward Redemption Fee | ₹0 (since cashback is auto-credited) |
Tip: Always pay your credit card bills on time to avoid any interest charges.
How to Apply for Amazon Pay ICICI Credit Card?
There are two ways to apply – the fastest one is through Amazon.
Apply via Amazon:
- Login to your Amazon account
- Go to Amazon Pay > Amazon Pay ICICI Credit Card
- Click on Apply Now
- Fill your PAN, Aadhar, income & employment details
- Complete e-KYC and video verification (if required)
- If your card approved, your virtual card will be issued instantly
Apply via ICICI Website:
Alternatively, you can apply from the ICICI Bank credit card page if you’re not an active Amazon user.
Eligibility Criteria
- Age: Should be between 21 – 60 years
- Monthly income: Should be ₹20,000+ (approx.)
- Should have a good credit score (700+ recommended)
- Must be a resident Indian with valid PAN & Aadhaar
Tip: Prime members and frequent Amazon shoppers have higher chances of approval.
Should You Get the Amazon Pay ICICI Credit Card?
Here’s a quick decision guide:
Go for it if:
- You’re an Amazon Prime Member
- You prefer a lifetime free card with cashback
- You do regular spends on Amazon & its partner platforms
- You’re looking for an easy-to-manage credit card
- You want to build or maintain credit score without annual cost
Skip it if:
- You rarely shop on Amazon
- You need travel perks like airport lounge access
- You prefer cashback to your bank account instead of Amazon Pay balance
Comparison with Other Cards
| Feature | Amazon Pay ICICI | SBI SimplyCLICK | Flipkart Axis Bank |
| Annual Fee | ₹0 | ₹499 | ₹500 |
| Best For | Amazon Shopping | General Online Shopping | Flipkart/Myntra |
| Amazon Cashback | 5% (Prime) | 0% | 1.50% |
| Other Online Cashback | 2% | 5X Points | 5% |
| Type of Reward | Amazon Pay Balance | Reward Points | Cashback |
Final Verdict – Is It Worth It?
The Amazon Pay ICICI Credit Card is one of the best lifetime-free credit cards in India, especially for online shoppers and Prime members. The 5% cashback on Amazon purchases is unmatched for a no-fee card.
Whether you’re a student, a salaried employee, or a first-time credit card user, this card provides real value without any risk of hidden fees. Plus, its auto-credit cashback system is a big win over reward points that expire or need conversion.
If you use Amazon often, don’t think twice – apply now and start saving!
