The Amazon Pay ICICI Credit Card is a popular co-branded card designed to maximize savings for frequent Amazon shoppers. It offers cashback on a variety of categories, including Amazon purchases, fuel, and more, with no annual or joining fees. This card is ideal for individuals who frequently shop on Amazon and want to earn rewards for everyday spending.
- Overview
- Welcome Benefits for Amazon Pay ICICI Credit Card
- Fees and Charges for Amazon Pay ICICI Credit Card
- Benefits of Amazon Pay ICICI Credit Card
- Rewards from Amazon Pay ICICI Credit Card
- Milestone Benefits of Amazon Pay ICICI Credit Card
- Redemption of Amazon Pay ICICI Credit Card Points
- Airport Lounge Access with Amazon Pay ICICI Credit Card
- Airport Transfers with Amazon Pay ICICI Credit Card
- Forex Markup Fee for Amazon Pay ICICI Credit Card
- Card Review: Amazon Pay ICICI Credit Card
- Cards Similar to Amazon Pay ICICI Credit Card
- Relevant Links
- FAQ
Overview
| Feature | Details |
|---|---|
| Card Type | Cashback Credit Card |
| Reward Rate | Up to 5% cashback on Amazon spends |
| Reward Value | 1 Reward Point = ₹1 (Cashback directly credited to Amazon Pay balance) |
| Annual Fee | None |
| Unique Selling Points | No annual fee, direct cashback to Amazon Pay balance |
| Rating (out of 5) | 4.6 |
Welcome Benefits for Amazon Pay ICICI Credit Card
| Welcome Benefit | Details |
|---|---|
| Bonus Reward Points | Not applicable |
| Additional Benefits | Instant approval for eligible customers |
Fees and Charges for Amazon Pay ICICI Credit Card
| Fee Type | Charges |
|---|---|
| Joining Fee | None |
| Annual Fee | None |
| Finance Charges | 3.5% per month (42% per annum) |
| Foreign Transaction Fee | 3.5% + GST |
| Cash Advance Fee | 2.5% of the amount withdrawn (min ₹300) |
| Late Payment Fee | ₹100 to ₹1,200 depending on the outstanding amount |
| Rent Payment Fee | 1% fee using third-party apps |
| Education Payment Fee | 1% fee using third-party apps |
| Utility Payment Fee | No additional charges |
Benefits of Amazon Pay ICICI Credit Card
The Amazon Pay ICICI Credit Card offers several key benefits:
- High Cashback Rates: Up to 5% cashback on Amazon purchases for Prime members, 3% for non-Prime members, 2% on Amazon Pay partner merchants, and 1% on all other spends.
- No Annual Fee: There is no annual fee or joining fee associated with this card.
- Fuel Surcharge Waiver: 1% fuel surcharge waiver for transactions between ₹400 and ₹4,000 at all fuel stations in India, subject to a maximum waiver of ₹100 per month.
Rewards from Amazon Pay ICICI Credit Card
| Spend Category | Reward Rate |
|---|---|
| Amazon.in (Prime members) | 5% cashback |
| Amazon.in (non-Prime members) | 3% cashback |
| Amazon Pay Partner Merchants | 2% cashback |
| All Other Spends | 1% cashback |
| Reward Value | 1 Reward Point = ₹1 (credited as Amazon Pay balance) |
| Rewards Expire in | Never (as they are directly credited as Amazon Pay balance) |
Milestone Benefits of Amazon Pay ICICI Credit Card
This card does not offer specific milestone benefits, as it is designed to provide consistent cashback on all eligible transactions.
Redemption of Amazon Pay ICICI Credit Card Points
The cashback earned with this card is automatically credited to your Amazon Pay balance, which can be used for future Amazon purchases or payments at partner merchants.
Gift Vouchers Available
Since the cashback is credited directly to your Amazon Pay balance, it can be used to purchase a variety of gift vouchers on the Amazon platform, including:
- Shopping: Myntra, Shoppers Stop, Pantaloons
- Electronics: Croma, Reliance Digital
- OTA: MakeMyTrip, EaseMyTrip
- Hotels: Oberoi Hotels, Taj Hotels, ITC Hotels
- Cabs: Uber, Ola
- Airline: IndiGo, Vistara
Airport Lounge Access with Amazon Pay ICICI Credit Card
This card does not offer complimentary access to airport lounges.
Airport Transfers with Amazon Pay ICICI Credit Card
This card does not offer specific airport transfer benefits.
Forex Markup Fee for Amazon Pay ICICI Credit Card
| Fee Type | Details |
|---|---|
| Forex Markup Fee | 3.5% + GST on all international transactions |
Card Review: Amazon Pay ICICI
Editor’s Rating
Summary
The Amazon Pay ICICI Credit Card is an excellent choice for those who frequently shop on Amazon and want to earn cashback without paying any annual fees. With high cashback rates, particularly for Prime members, and the convenience of direct credit to the Amazon Pay balance, this card provides substantial value with minimal effort.
Pros and Cons of Amazon Pay ICICI Credit Card
| Pros | Cons |
|---|---|
| Up to 5% cashback on Amazon purchases | No airport lounge access |
| No annual fee or joining fee | No milestone benefits |
| Cashback credited directly to Amazon Pay balance | Limited benefits for non-Amazon purchases |
Cards Similar to Amazon Pay ICICI Credit Card
| Feature | Amazon Pay ICICI Credit Card | Flipkart Axis Bank Credit Card | SBI SimplyCLICK Credit Card | HDFC Millennia Credit Card |
|---|---|---|---|---|
| Annual Fee | None | ₹500 + GST | ₹499 + GST | ₹1,000 + GST |
| Cashback Rate | Up to 5% on Amazon.in | 5% on Flipkart, 4% on Myntra | 10x rewards on online spends | 5% on Amazon/Flipkart |
| Reward Value | 1 Reward Point = ₹1 | 1 point = ₹0.25 | 1 point = ₹0.25 | 1 point = ₹0.25 |
| Special Benefits | High cashback, no annual fee | High cashback on Flipkart | Online shopping rewards | Cashback on Amazon/Flipkart |
Relevant Links
To help our readers navigate our website and find additional relevant content, here are some internal links you might find useful:
- Best Cashback Credit Cards in India
- Best Lifetime Free Credit Cards in India
- How to Maximize Credit Card Rewards
- ICICI Bank Credit Cards Overview
For more detailed information about ICICI Bank credit cards and other financial products, you can visit the official ICICI Bank website.
FAQ
Q: What is the annual fee for the Amazon Pay ICICI Credit Card?
A: The Amazon Pay ICICI Credit Card has no annual fee or joining fee, making it a cost-effective choice for earning cashback on everyday purchases.
Q: How can I earn cashback with the Amazon Pay ICICI Credit Card?
A: You can earn up to 5% cashback on Amazon purchases for Prime members, 3% for non-Prime members, 2% at Amazon Pay partner merchants, and 1% on all other spends.
Q: How can I redeem the cashback earned with the Amazon Pay ICICI Credit Card?
A: The cashback earned with the Amazon Pay ICICI Credit Card is automatically credited to your Amazon Pay balance. You can use this balance for future purchases on Amazon or for making payments to Amazon Pay partner merchants.
Q: Is there any minimum spend required to earn cashback on the Amazon Pay ICICI Credit Card?
A: No, there is no minimum spend required. Cashback is earned on every eligible transaction as per the reward rates for different categories.
Q: Does the Amazon Pay ICICI Credit Card offer any travel benefits?
A: The Amazon Pay ICICI Credit Card does not offer specific travel benefits like airport lounge access or travel insurance. It is primarily focused on providing cashback on purchases, especially on Amazon.
Q: What are the fees for using the Amazon Pay ICICI Credit Card for foreign transactions?
A: The card charges a foreign transaction fee of 3.5% + GST on all international transactions.
