ICICI Amazon Pay Review 2026 — Fees, Rewards & Eligibility
By Credit Card Hunt Editorial Team
Issuer: ICICI Bank
Network: Visa | Tier: Entry
The ICICI Amazon Pay Credit Card is India's most popular lifetime free credit card offering up to 5% cashback on Amazon purchases for Prime members. With 2% back on bill payments and 1% on everything else, it's the perfect everyday card with no annual fee burden.
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Why Choose the ICICI Amazon Pay?
The ICICI Amazon Pay is a Entry-tier Visa credit card issued by ICICI Bank, rated 4.6/5 by the Credit Card Hunt editorial team. It is best suited for Amazon shoppers and cashback lovers. With a reward rate of 5% on Amazon, 2% on bill payments and an annual fee of Nil (Lifetime Free), it ranks among the popular Cashback cards in India in 2026.
New cardholders are welcomed with ₹500 Amazon Pay gift card, which adds immediate value in the first year.
ICICI Amazon Pay Fees & Charges
| Annual Fee | Nil (Lifetime Free) |
|---|---|
| Joining Fee | Nil |
| Interest Rate | 3.40% per month |
| Foreign Markup | 3.5% + GST |
| Fuel Surcharge Waiver | 1% waiver on ₹100-₹5,000 |
ICICI Amazon Pay Rewards & Benefits
| Reward Rate | 5% on Amazon, 2% on bill payments |
|---|---|
| Welcome Bonus | ₹500 Amazon Pay gift card |
| Lounge Access | None |
| Best For | Amazon shoppers and cashback lovers |
Key Highlights of the ICICI Amazon Pay
- 5% cashback on Amazon purchases (Prime members)
- 2% cashback on paying bills, recharges
- 1% cashback on all other spends
- Lifetime free - zero annual fee
- Instant approval for ICICI customers
ICICI Amazon Pay Eligibility Criteria
- Minimum income ₹3 lakh per annum
- CIBIL score 700+
- Age 21-65 years
Minimum Income Required: ₹3,00,000+ per annum
Advantages of the ICICI Amazon Pay
- Lifetime free
- 5% cashback on Amazon
- Easy approval
- Good for daily spends
- Automatic cashback - no hassle
Drawbacks of the ICICI Amazon Pay
- No lounge access
- High foreign markup
- Cashback only in Amazon Pay balance
- Limited premium benefits
ICICI Amazon Pay — Frequently Asked Questions
What is the annual fee of the ICICI Amazon Pay?
The ICICI Amazon Pay has an annual fee of Nil (Lifetime Free) and a joining fee of Nil. New cardholders receive ₹500 Amazon Pay gift card as a welcome benefit, which helps offset the joining cost.
Does the ICICI Amazon Pay offer airport lounge access?
No, the ICICI Amazon Pay does not include complimentary airport lounge access. If lounge access matters to you, compare travel cards on CreditCardHunt.in.
Who is eligible for the ICICI Amazon Pay?
The minimum income requirement is ₹3,00,000+ per annum. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the ICICI Amazon Pay?
The ICICI Amazon Pay earns 5% on Amazon, 2% on bill payments. It is best suited for Amazon shoppers and cashback lovers.
Credit Cards Similar to the ICICI Amazon Pay
If you are considering the ICICI Amazon Pay, these cashback credit cards are worth comparing before you apply:
- Axis Flipkart by Axis Bank — rated 4.3/5, ₹500 + GST annual fee
- HDFC Millennia by HDFC Bank — rated 4.3/5, ₹1,000 + GST annual fee
- OneCard by FPL Technologies — rated 4.2/5, Nil (Lifetime Free) annual fee
- IndianOil Citi by Axis Bank — rated 4.2/5, ₹500 + GST (waiver on ₹50K spend) annual fee
Official sources for this review
Fees, rules and limits described above are governed by the primary sources below.
- RBI Master Direction — Credit Card and Debit Card Issuance and Conduct Directions, 2022 — Reserve Bank of India
- Department of Financial Services — Banking Division — Ministry of Finance, Government of India
- Consumer Financial Decision-Making research — Wharton School, University of Pennsylvania
- Who Pays For Your Rewards? Redistribution in the Credit Card Market (Working Paper) — National Bureau of Economic Research / Federal Reserve
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Expert Rating: 4.6/5 (Credit Card Hunt editorial score)