The Amazon Pay ICICI Bank Credit Card is a highly rewarding, lifetime-free co-branded credit card launched in collaboration between ICICI Bank and Amazon India. Tailored for avid online shoppers, this card provides generous cashback on Amazon.in and other daily spends with no joining or annual fees, making it one of the most popular credit cards in the entry-level segment.
Whether you’re a regular Amazon shopper or just looking to earn cashback on everyday expenses, this card deserves your attention.
Joining Fee: Lifetime Free
Renewal Fee: Lifetime Free
Best Suited For : Shopping
Reward Type: Cashback
Key Highlights of the Amazon Pay ICICI Credit Card
| Feature | Details |
|---|---|
| Joining Fee | ₹0 |
| Annual Fee | ₹0 (Lifetime Free) |
| Reward Type | Cashback (credited as Amazon Pay balance) |
| Best For | Amazon.in Shopping |
Benefits of the Amazon Pay ICICI Credit Card
1. Attractive Cashback on Amazon.in
- 5% cashback on Amazon purchases for Prime members
- 3% cashback for non-Prime members
- No upper limit on cashback earned
This makes it ideal for frequent Amazon shoppers, especially during sale periods.
2. Reward on Everyday Spends
- 2% cashback on payments made to over 100 Amazon Pay partner merchants (e.g., Swiggy, BookMyShow, Yatra)
- 1% cashback on all other purchases (except fuel)
All cashback is credited as Amazon Pay balance, which can be used for future purchases or bill payments.
3. No Capping, No Expiry
Unlike many cards, there’s no expiry or cap on the cashback earned—making it a straightforward and rewarding option.
4. Fuel Surcharge Waiver
- Get 1% fuel surcharge waiver at all fuel stations across India on transactions between ₹400 and ₹4,000.
- Maximum waiver capped at ₹100 per statement cycle.
5. No Cost EMI on Amazon
Enjoy No Cost EMI on eligible purchases from Amazon.in using this card, making high-value purchases easier on your wallet.
Fees & Charges for Amazon Pay ICICI Credit Card
| Type | Amount |
|---|---|
| Joining Fee | ₹0 |
| Annual Fee | ₹0 (Lifetime Free) |
| Interest Rate (APR) | ~3.5% per month (42% p.a.) |
| Late Payment Fee | ₹100 – ₹1,200 (based on balance) |
Amazon Pay ICICI Credit Card Eligibility
To apply, you typically need to meet the following conditions:
- Age: 21 to 65 years (Tick For 18+ User)
- Indian resident with a regular source of income
- Good credit score (usually 700+ preferred)
Note: Amazon and ICICI may pre-approve users based on account activity. Many customers receive a pre-approved invite via the Amazon app.
How to Apply
You can apply for the card either via:
- The Amazon mobile app or website, or
- The ICICI Bank website
The process is 100% digital, and in many cases, card issuance is instant (for existing ICICI customers).
how to apply for the Amazon Pay ICICI credit card if you’re 18 or older, especially if you don’t have income proof:
Applying for the Amazon Pay ICICI Credit Card (18+ Trick)
- Open Amazon: Go to the Amazon app or website.
- Find the Application: Look for the option to apply for the Amazon Pay ICICI credit card.
- Choose “Aadhaar Not Linked to Mobile”: When asked, select the option that says your Aadhaar is not linked to your mobile number.
- Fill Your Details:
- Age: Enter your age as 21 or older.
- Date of Birth (DOB): If your real DOB is May 17, 2005, enter May 17, 2001, instead.
- Other Information: Fill in your basic details and annual income as previously instructed (refer to the “previous post” mentioned in the original text, which is likely part 1 of their guide).
- Submit: Send your application.
- Schedule Physical KYC: Arrange for a bank representative to come and verify your details in person.
- During KYC: Don’t tell the KYC agent anything extra. Just complete the verification process.
What to Do If They Ask for Income Proof (Trick 2):
If the KYC agent asks for income proof:
- Call Customer Care: Dial ICICI Bank customer care at 18001020123.
- Explain the Mistake: Tell them you accidentally entered the wrong salary or annual income details and want to cancel your credit card application.
- Cancellation: They will process your cancellation request. It usually takes 2-3 working days for the application to be cancelled.
- Reapply: Once cancelled, you can apply again using the same method (Part 1). You can repeat this process if needed until you get the card without needing income proof.
Important Notes:
- Approval: Getting approved for the card still depends on the bank’s decision. This is just a trick to help you apply without income proof.
- Approval Message: After your KYC is verified, you should receive an approval message.
- Existing ICICI Relationship: This trick won’t work if you already have an existing relationship with ICICI Bank.
Final Verdict
The Amazon Pay ICICI Credit Card is one of the best no-fee credit cards in India for online shoppers. Its standout feature is the unlimited cashback, especially if you’re a Prime member. The seamless cashback redemption as Amazon Pay balance and zero annual fees make this a must-have card for anyone shopping frequently on Amazon.in or using Amazon Pay.
Pros & Cons
| Pros | Cons |
|---|---|
| No joining or annual fee | Cashback limited to Amazon Pay balance |
| High cashback for Amazon Prime members | No travel-specific benefits |
| Simple rewards structure | No lounge access |
| Instant issuance in many cases | Not ideal for international usage |
FAQs
1. Is the Amazon Pay ICICI Credit Card free for life?
Yes, there are no joining or annual charges—it is lifetime free.
2. How is cashback credited?
Cashback is credited monthly as Amazon Pay balance, which can be used for purchases, recharges, and bill payments.
3. Can I use the card outside Amazon?
Yes, it works like a regular Visa credit card and earns 1% cashback on most non-Amazon purchases.