Is the Amazon Pay ICICI credit card worth it? Lifetime free, 5% on Amazon for Prime, 1% elsewhere, invite-only. Our score is 76/100, B Tier.
Quick Verdict
The Amazon Pay ICICI credit card is worth it if Amazon is where you shop most and you can get an invite, because it is lifetime free and pays up to 5% back with no cap. If you rarely shop on Amazon, it is an average 1% card whose rewards only work inside Amazon.
ThisAmazon Pay ICICI credit card reviewuses ICICI Bank's own pages, as of November 2026. Our score is 76/100, B Tier. The catch is access: ICICI describes the card as an invite-only programme.
Benchmarksutra Score:76/100 — B Tier
Question | Short answer |
|---|---|
Fee | Nil joining fee, nil annual fee |
Amazon.in | 5% for Prime members, 3% for non-Prime |
Partner merchants | 2% via Login and Pay with Amazon |
Everything else | 1%, unlimited |
Eligibility | Age 21+, income ₹30,000 a month; invite-only |
Biggest catch | Rewards arrive as Amazon Pay balance, usable only on Amazon and Amazon Pay |
What Is the Amazon Pay ICICI Credit Card?
It is a co-branded card from ICICI Bank and Amazon Pay. ICICI says it carries no joining fee and no annual fee. Rewards are credited as Amazon Pay balance within two working days after your billing cycle closes.
Before you look at this card, check:
whether you hold Amazon Prime, which lifts the Amazon rate from 3% to 5%
how much of your monthly spend goes to Amazon.in
whether you have an invite from ICICI Bank
whether you can use Amazon Pay balance for what you buy
whether you will travel abroad, where the markup is 1.99%
How Does the Amazon Pay ICICI Card Earn Rewards?
Spend | Reward per ₹100 | Notes |
|---|---|---|
Amazon.in, Prime member | ₹5 (5%) | Unlimited, per ICICI's page |
Amazon.in, non-Prime | ₹3 (3%) | Unlimited |
100+ Amazon Pay partner sites | ₹2 (2%) | Pay with 'Login and Pay with Amazon' |
All other spends | ₹1 (1%) | Unlimited |
ICICI's page shows 2 per ₹100 for partner merchants in its points table, while one line elsewhere reads 1%. We use the 2% given in the FAQ for Login and Pay with Amazon. Check the current terms before relying on it.
What do real spends earn?
Monthly spend | Prime member | Non-Prime |
|---|---|---|
₹10,000 on Amazon.in | ₹500 | ₹300 |
₹5,000 on partner sites | ₹100 | ₹100 |
₹15,000 elsewhere | ₹150 | ₹150 |
Total on ₹30,000 | ₹750 (2.5%) | ₹550 (about 1.8%) |
Yearly | ₹9,000 | ₹6,600 |
The fee is nil, so all of this is net value. But the reward is Amazon Pay balance. If you would buy from Amazon anyway, that is fine. If not, you are locked in. Compare with other cards on ourreward value calculator.
Is it still worth it without Prime?
Without Prime the Amazon rate drops from 5% to 3%. On ₹10,000 of Amazon spend a month, that is ₹200 less each month, or ₹2,400 a year. Prime has its own membership cost, so the card is best judged together with it. If you do not hold Prime and shop on Amazon only occasionally, the card is a 1% card with a narrow redemption route, and a general cashback card may suit you better.
The simple test is this. Add up what you spent on Amazon.in in the last six months from your order history. If it is under ₹3,000 a month, the extra return over a flat 1% is small, and the invite-only access is not worth chasing.
What does the card not reward?
gold, silver and other precious metals
tax-related payments
EMI purchases on Amazon
rent transactions
fuel purchases
For these, ICICI says there are no rewards. Fuel does get a 1% surcharge waiver.
Amazon Pay ICICI Fees and Charges
Item | Detail (ICICI Bank) |
|---|---|
Joining fee | Nil |
Annual fee | Nil |
Forex markup | 1.99% on international spends |
Interest | 3.75% a month on minimum-due-only and ATM withdrawals |
Late payment | ₹100 to ₹1,300 |
Fuel surcharge | 1% waiver on fuel purchases |
Reward expiry and minimum | None; no minimum to redeem |
The late fee range is shown on ICICI's page; the full schedule is in the MITC, which we did not read in full. A 1.99% forex markup is lower than the 3.5% many cards charge. Use ourforex markup calculatorto see the cost on your trip. See alsozero forex cards.
Who Can Get the Amazon Pay ICICI Card? Eligibility
Indian citizen, minimum age 21
Salaried or self-employed with income of at least ₹30,000 a month
ICICI's page calls it an invite-only programme and the FAQ says the same
ICICI does not explain how invites are sent, so ask the bank
Amazon Pay ICICI Benchmarksutra Scores
We score cards on a fixed 100-point framework. Seehow we rate Indian credit cards. Where ICICI's documents were silent, we scored conservatively.
Card | Score | Tier | Best for |
|---|---|---|---|
Amazon Pay ICICI | 76 | B Tier | Prime members whose main store is Amazon |
Category | Score |
|---|---|
Reward Value (max 20) | 16 |
Fee Value (max 15) | 15 |
Redemption Quality (max 10) | 7 |
Use-Case Fit (max 15) | 14 |
Eligibility and Accessibility (max 10) | 6 |
Benefits and Perks (max 10) | 4 |
Hidden Costs and Conditions (max 10) | 7 |
Bank and User Experience (max 10) | 7 |
Who Is the Amazon Pay ICICI Card For?
Freshers and beginners
A strong no-fee start if you get an invite and shop on Amazon. Income of ₹30,000 a month and age 21 are needed. If you are not invited, seehow to compare credit cards in India.
Middle-aged families
The best fit. Groceries, electronics, kids' items and gifts on Amazon with Prime earn 5%, and there is no annual fee to recover.
Travellers and frequent flyers
Not a travel card. No lounge benefit is listed. The 1.99% forex markup helps abroad, but rewards on foreign spends are only 1%. Seecards for international travel.
Professionals (CA, lawyers, doctors)
Good as a second card for online purchases of equipment and books. It is not a replacement for a card with lounge access.
Senior citizens and retirees
Fine if you shop on Amazon and receive an invite. Income criteria are stated as monthly income, so check how pension income is treated with ICICI.
For more ICICI options, see ourbest ICICI credit card guide.
Checklist
Confirm you have an ICICI invite and that you meet the income and age rules.
Check whether you hold Amazon Prime.
Estimate monthly Amazon and partner-site spend.
Use 'Login and Pay with Amazon' on partner sites.
Know what Amazon Pay balance can and cannot pay for.
Check the MITC for late fees and the full exclusions list.
Common Mistakes to Avoid
Expecting 5% without Prime; non-Prime earns 3%.
Paying for Amazon EMI purchases and expecting rewards.
Using the card for fuel, rent or taxes, where rewards are excluded.
Forgetting that rewards are Amazon Pay balance, not cash in your bank.
Skipping the partner-site payment option and losing the 2%.
Carrying a balance, where interest is 3.75% a month.
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FAQs
Is the Amazon Pay ICICI credit card worth it?
Yes, for Amazon shoppers, especially Prime members, since it is lifetime free and earns up to 5% on Amazon. It is average for other spends at 1%.
What is the annual fee of the Amazon Pay ICICI card?
ICICI's page lists nil joining fee and nil annual fee.
How much cashback does the Amazon Pay ICICI card give?
5% on Amazon for Prime members and 3% for non-Prime, 2% at partner merchants using Login and Pay with Amazon, and 1% on other spends.
Is there a limit on the rewards?
ICICI's page describes the rewards as unlimited. Gold, precious metals, tax payments, Amazon EMI, rent and fuel are excluded.
Can I apply for the Amazon Pay ICICI card directly?
ICICI calls it an invite-only programme. Check ICICI's page for how to apply.
How are the rewards credited?
As Amazon Pay balance within two working days after the billing cycle closes. ICICI says earnings do not expire and have no minimum redemption.
What is the forex markup on the Amazon Pay ICICI card?
1.99% on international spends, per ICICI's page.
What is the eligibility for the card?
Indian citizen aged 21 or older with income of at least ₹30,000 a month, salaried or self-employed. The programme is invite-only.
Official Sources and Editorial Note
Data checked as of: November 2026
Amazon Pay ICICI Bank Credit Card
https://www.icici.bank.in/personal-banking/cards/credit-card/amazon-pay-credit-card
Amazon Pay ICICI Bank Credit Card FAQs
https://www.icici.bank.in/personal-banking/cards/credit-card/amazon-pay-credit-card/faqs
This article is written from official sources and does not rely on third-party wording.
Editorial note:ICICI's page has small inconsistencies on partner-site rates, and we did not read the full MITC. Rewards, caps and invite rules can change. Check ICICI Bank's current terms before applying.
Related reading:How We Review Credit Cards·How to compare credit cards in India
