Card Details · CardCheck

Key Benefits

No joining or annual fees

Unlimited cashback that never expires

5% cashback on Amazon.in for Prime members

3% cashback for non-Prime members

2% cashback at 100+ Amazon Pay partner merchants

1% cashback on all other eligible spends

1% fuel surcharge waiver on fuel transactions

Rewards

Earning rates across spend categories

5.00%

Other

Fees & Charges

Annual fee waived on spends of ₹0

Joining Fee	₹0 + GST
Annual Fee	Free
Annual Fee Waiver	Available
Late Payment Fee	1200.00%
Foreign Currency Markup	3.50%
Cash Advance Fee	2.50%

About this Card

The Amazon Pay ICICI Bank Credit Card is India's most popular co-branded card with over 9 million users. It gives Amazon Prime members 5% cashback on every Amazon.in purchase and 3% for non-Prime users — both with no monthly cap. Partner merchants on Amazon Pay receive 2% cashback, and all other spends earn 1%. As a lifetime-free card, it offers unmatched value for the growing base of Amazon and Amazon Pay users.

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Eligibility

Min. Income₹20,000/month

Min. Credit Score750+

Min. Age21 years

Max. Age65 years

SalariedSelf-EmployedProfessional

Income requirement may vary
Credit limit offered depends on your credit profile and relationship with the bank.

Pros & Cons

PROS

One of the best lifetime free cashback cards in India
Excellent value for frequent Amazon and Prime users
Simple cashback structure with no reward point conversion hassles
Unlimited cashback with no category activation required
Cashback auto-credits directly to Amazon Pay balance
Strong returns on Amazon shopping, travel bookings, and bill payments via Amazon Pay
Low 1.99% forex markup makes it better for international spends than most entry-level cards
Easy approval journey for existing ICICI customers

CONS

No airport lounge access benefits
Rewards are heavily centered around Amazon ecosystem usage
1% base cashback is average for offline spending
Cashback redemption is locked to Amazon Pay balance, not bank transfer
Many categories are excluded from cashback (fuel, rent, taxes, education, utilities, wallet loads, etc.)
Limited travel and lifestyle benefits compared to premium cards

Who is this card for?

Amazon Prime subscribers who shop on Amazon.in regularly. Also excellent for anyone who uses Amazon Pay at partner merchants. The zero annual fee makes it risk-free as a primary or secondary card.

Quick Links

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Last updated: 13 Sep 2026