Amazon Pay ICICI Bank Credit Card review
A near-automatic pick for anyone who shops on Amazon and has Prime: it costs nothing and the 5% has no cap. If you rarely use Amazon, the 1% elsewhere and the growing list of excluded categories make it an average card.
Fees
Lifetime free. Forex markup 1.99%.
Rewards
Rewards land as Amazon Pay balance at ₹1 per point, usable on Amazon and Amazon Pay merchants; not a statement credit
- Online shopping: 1% – 1% generally; 2% when paying with Amazon Pay at its 100+ partner merchants
- Amazon: 5% – 5% for Prime members, 3% without Prime; no monthly cap. Gold coins and some travel bookings on Amazon are left out
- Fuel: 0%
- Bills: 2% – 2% only when bills are paid through Amazon Pay on Amazon; bills paid anywhere else earn nothing since 11 Oct 2025
- Rent: 0%
- Education: 0%
- Foreign currency: 0% – No rewards on foreign-currency spends since 11 Oct 2025
- Everything else: 1%
On a typical spending pattern this card gives back about ₹5,820 a year.
What’s good
- Lifetime free with no joining or renewal fee
- 5% back on Amazon for Prime members with no upper limit
- Low 1.99% markup on foreign-currency spends
- Rewards arrive automatically as Amazon Pay balance after each statement
What’s not
- Rewards can only be spent through Amazon Pay, not taken as cash
- Utility bills, education and international spends no longer earn anything outside Amazon
- Only 3% on Amazon if you don't have Prime
- No lounge access or travel perks
Lounge access
Domestic: None. International: None.