ICICI Bank
Amazon Pay ICICI Bank Credit Card
Rewards paid as Amazon Pay balance with no cap: 5% on Amazon.in (including flights and hotels booked on Amazon) for Prime members, 3% without Prime; 2% on bills, recharges and gift cards paid through Amazon Pay; 1% on other spends. Fuel, rent, tax, education and international spends earn nothing.
- Lifetime free
- Visa
Pros and cons
Good
- Lifetime free: no joining or annual fee
- Low forex markup (1.99%)
- Open to self-employed applicants
Watch out for
- Earns nothing on fuel, rent and government payments
- Can't be used on UPI (not a RuPay card)
- Who it's for
- Anyone who wants a no-fee card for bills and utilities.
- Skip it if
- You mainly pay by UPI.
Worked out from the bank's published terms with the same rules for every card, never from what we earn. How we judge cards.
Rewards (value back as % of spend)
- Everyday spends
- 1% (base rate)
- Online shopping
- 1%
- Fuel
- 0%
- Groceries
- 1%
- Travel
- 1%
- Bills and utilities
- 2%
- Dining and food delivery
- 1%
Fees and charges
- Joining fee
- Free
- Annual fee
- Free
- Fee waiver
- Lifetime free: no joining or annual fee.
- Forex markup
- 1.99%
- Fuel surcharge waiver
- 1% waiver at all petrol pumps, no cap stated; a single fuel payment above ₹10,000 attracts a 1% fee
Benefits and eligibility
- Airport lounge
- Not published by the bank
- Card network
- Visa
- UPI payments
- No
- Minimum income (salaried)
- ₹30,000 a month
- Eligibility
- Invite-only: you can apply only if Amazon offers you the card in the Amazon app or website. Indian citizen aged 21 or above; salaried or self-employed with income of at least ₹30,000 a month. Approval at ICICI Bank's discretion.
Fees exclude GST. Reward rates are the value back you get at the bank's published redemption value; where a bank doesn't publish what a point is worth, we leave the rate blank rather than guess. See how we compare cards.
Compare it with other cards
Ready to apply for the Amazon Pay ICICI Bank Credit Card?
View on Amazon siteIssuer's site. We don't earn from this card.CreditParakh is not a bank or lender. Approval, limits and final terms are decided by ICICI Bank.
Related guides
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- CIBIL Score: Check Free, Improve in 90 DaysCheck your CIBIL score free with one full report a year from each bureau, dispute errors yourself, and build a better score with a 90-day checklist.
What changed recently
- FeesWorse for you
Markup on rupee-billed payments at foreign merchants (dynamic currency conversion) rose from 1% to 1.99%.
Before: 1% · After: 1.99%
Bank's notice or terms - FeesWorse for you
Paying the card bill in cash at an ICICI Bank branch now costs ₹150 a payment, up from ₹100.
Before: ₹100 per payment · After: ₹150 per payment
Bank's notice or terms - FeesWorse for you
New 1% fee on wallet loads of ₹5,000 or more.
Before: No fee · After: 1% on wallet loads of ₹5,000 or more
Bank's notice or terms - FeesWorse for you
New 2% fee on skill-based gaming payments.
Before: No fee · After: 2%
Bank's notice or terms - FeesWorse for you
New 1% fee on transport payments (rail, bus, local transport and tolls) of more than ₹50,000.
Before: No fee · After: 1% on transport payments above ₹50,000
Bank's notice or terms
Questions people ask
Is the Amazon Pay ICICI Bank Credit Card worth it in 2026?
Yes, as a no-fee card for bills and utilities: it costs nothing to keep. The catch: earns nothing on fuel, rent and government payments.
Is the Amazon Pay ICICI Bank Credit Card lifetime free?
Yes. The bank's fee schedule shows no joining fee and no annual fee.
Does the Amazon Pay ICICI Bank Credit Card work on UPI?
No. Only RuPay credit cards can be linked to UPI, and this isn't one.
Does the Amazon Pay ICICI Bank Credit Card give airport lounge access?
No complimentary airport lounge access.
What earns no rewards on the Amazon Pay ICICI Bank Credit Card?
No rewards on fuel, rent, education fees, tax payments, international spends, gold, silver and other precious metals (including gold coins bought through Amazon Pay), EMI purchases, cash withdrawals, or card fees and interest. Rewards on a purchase you later convert to EMI are taken back. Utility bills earn nothing when paid outside Amazon; pay them through Amazon Pay to earn 2%.
Who can get the Amazon Pay ICICI Bank Credit Card?
The bank publishes a minimum income of ₹30,000 a month for salaried applicants. Self-employed people can apply: Income of at least ₹30,000 a month; age 21 or above; Indian citizen. Invite-only: you can apply only if Amazon offers you the card in the Amazon app or website. Indian citizen aged 21 or above; salaried or self-employed with income of at least ₹30,000 a month. Approval at ICICI Bank's discretion. Approval is at the bank's discretion.
How we checked this card: the CreditParakh team read ICICI Bank's own terms and product page on 19 Oct 2026. Every fee, rate and rule above comes from those pages; where they disagree, we say so. We re-check every card monthly and log changes on card changes. See our editorial standards.
Last verified 19 Oct 2026 on ICICI Bank's official page. Fees and rewards change; check the issuer's terms before you apply.