ICICI Bank
Amazon Pay ICICI
Invite onlyShoppingLifetime freeCashback
Checked 2 Oct 2026 ·
Annual fee₹0for life
Forex markup1.99%
Interest3.75%a month
NetworkVisa
You earn
Perks & rules
What changed
UndatedCard is now invite only
11 Oct 2025International, education and non-Amazon utility spends stopped earning points
18 Jun 2024Rent payments stopped earning points
Worth it?
See what it pays back on your spending, after the fee.Run the numbers
All the fine printEvery detail from the bank's documents, in one place
How you earn
Rewards asReward points, credited as Amazon Pay balance
Base rate1% on purchases not covered by a higher rate
Higher rates
- Amazon.in: 5% on Amazon.in with Prime, 3% without (excludes gold coins and flight/hotel bookings via Amazon Pay)
- Amazon Pay partners: 2% on digitally fulfilled categories, 'Login and pay with Amazon Pay' and physical gift cards
Limits
- No monthly cap stated
- Points rounded down per transaction
Doesn't earn on
- International and education spends
- Utility payments outside Amazon
- Rent
- Fuel, gold, silver, precious metals, tax payments
- EMI and cash (points taken back if converted to EMI later); fees and interest
Where it landsAs Amazon Pay balance (Amazon gift card) within 2 working days after your billing cycle ends
What a point is worth
ValueEarn rates are stated as % of the amount; used as Amazon Pay balance under Amazon gift card terms
ExpiryFollows Amazon gift card terms once credited
Redemption feeNone: credited automatically
Welcome benefit
WelcomeNone stated
Milestones
MilestonesNone stated
Airport lounges
DomesticNone
InternationalNone
Fuel
Fuel1% surcharge waiver
Spending abroad
Forex markup1.99% (but international spends earn no points)
Fees
Joining feeNil
Annual feeNil (lifetime free)
Fee waiverNot needed: lifetime free
If you pay late
Late fee₹100–₹1,300 depending on amount due (nil under ₹100)
Interest3.75% a month (45% a year)
Cash withdrawal2.5%, minimum ₹500
Who can apply
Age21 or older
SalariedMonthly income at least ₹30,000
Self-employedMonthly income at least ₹30,000
More perks
Perks
- 3 months no-cost EMI on Amazon (merchant EMI)
Sources
Everything on this page comes from these bank documents. Tap any box above for the full wording.
- Amazon Pay ICICI product page Product page · 2 Oct 2026
- Amazon Pay ICICI Bank Credit Card T&C Card T&C · 13 Jan 2026
- ICICI Bank Credit Card MITC Fee schedule · 2 Aug 2026
Card image: ICICI Bank's own website.
