The Amazon Pay ICICI Bank Credit Card is a lifetime-free credit card designed for customers with consistent Amazon shopping habits and extensive Amazon Pay usage. According to reports from Mint, the card is issued by ICICI Bank in association with Amazon and Visa and operates as an invite-only program with specific eligibility requirements. Applicants must be Indian citizens aged 21 or above and meet income thresholds of ₹30,000 monthly for salaried employees or self-employed individuals. As per Mint, the card is recognized as the best co-branded card for Amazon.in among available options in the market.
The card offers cashback ranging from 1% to 5% depending on shopping platform and Prime membership status. As reported by Mint, Prime members earn 5% cashback on Amazon India purchases, while non-Prime members receive 3% on eligible Amazon India purchases. Amazon Pay partner merchants offer 2% cashback, and other eligible purchases earn 1%. Non-Prime cardholders earn 2% on specified digital products, gift cards and services instead of the standard 3% Amazon shopping cashback. Cashback earnings are credited automatically to the cardholder's Amazon Pay balance within 2 working days of billing cycle completion.
The card maintains no joining or annual fees, making it accessible to frequent Amazon shoppers. According to Mint, the card charges 3.75% per month on ATM withdrawals and 3.75% interest per month if only the minimum due is paid. Late bill payment fees range from ₹100 to ₹1,300 depending on the amount. The card also offers forex mark-up at 1.99% on international spends and 1% surcharge waiver for fuel purchases.
The card provides unlimited reward points up to 5% on Amazon purchases and 1% on all other spends, as reported by Mint. Cashback has no expiry date, no overall earning cap, and no minimum redemption requirement. However, certain transactions are excluded from cashback earning, including fuel, rent, taxes, gold and other precious metals, and eligible EMI purchases. Customers must understand these exclusions and verify the bank's latest terms for complete details.
The card requires basic documentation including proof of identity, address, and income for application. According to Mint, the card is available through an invite-only program with applicants needing to meet ICICI Bank's eligibility requirements and complete verification processes. Amazon Prime membership is separate and may require a subscription fee, though the card offers higher cashback to eligible Prime members. For frequent Amazon shoppers, the card can provide meaningful savings without recurring card fees, but customers should compare benefits with spending habits and ensure full payment by due dates to avoid interest costs.
