![ICICI Amazon Pay Credit Card Review [2025 Edition]](https://cardsavvyindia.com/wp-content/uploads/2025/10/ICICI-Amazon-Pay-Credit-Card-Review-2025-Edition-1024x512.jpg)
The Amazon Pay ICICI Credit Card is one of the most popular and trusted credit cards in India — especially for Amazon users.
Issued by ICICI Bank in partnership with Amazon Pay and Visa, this card gives 5% cashback on Amazon purchases and 1% on all other spends, with no annual fee ever.
In this 2025 review, let’s look at its features, benefits, and whether it’s still worth having as India’s favorite lifetime-free credit card.
🏦 Amazon Pay ICICI Credit Card — Overview
| Feature | Details |
|---|---|
| Annual Fee | ₹0 — Lifetime Free |
| Best For | Online shoppers, especially Amazon users |
| Reward Type | Direct cashback to Amazon Pay balance |
| Cashback Rate | 5% (Prime), 3% (Non-Prime), 1% (Others) |
| Network | Visa |
| Issued By | ICICI Bank |
💰 1. Cashback Benefits
🎯 Amazon Purchases
- 5% cashback for Amazon Prime members.
- 3% cashback for non-Prime users.
- Works on all Amazon categories, including electronics, groceries, and fashion.
🛒 Other Spends
- 1% cashback on all other spends (except fuel, rent, and EMIs).
- Cashback automatically added to your Amazon Pay balance every billing cycle — no redemption needed.
✅ Transparent, automatic, and directly usable on Amazon or partner sites.
🪙 2. Lifetime Free — No Hidden Charges
- No joining, annual, or renewal fees.
- No spend-based conditions — remains free forever.
- Add-on cards are also lifetime free.
💡 One of the few truly “free forever” cards in India.
💼 3. Additional Benefits
- 1% fuel surcharge waiver at all petrol pumps (up to ₹100/month).
- Accepted globally (Visa network).
- EMI conversion options available for eligible transactions.
- Works seamlessly with Amazon Pay wallet and partner apps like Swiggy, BookMyShow, and Yatra.
⚙️ 4. Fees & Charges
| Type | Amount |
|---|---|
| Joining / Annual Fee | ₹0 |
| Finance Charges | 3.5% per month (42% per annum) |
| Cash Advance Fee | 2.5% (min ₹500) |
| Forex Markup | 3.5% |
| Late Payment Fee | ₹100–₹1,200 depending on balance |
💡 5. Eligibility Criteria
| Criteria | Requirement |
|---|---|
| Age (Salaried) | 21–60 years |
| Income (Salaried) | ₹25,000/month+ |
| Age (Self-Employed) | 21–65 years |
| Credit Score | 700+ (recommended) |
You can apply directly via Amazon app under “Amazon Pay → ICICI Credit Card” or through ICICI’s website.
🧾 6. Pros and Cons
| ✅ Pros | ❌ Cons |
|---|---|
| Lifetime free — no hidden costs | Limited offline offers |
| 5% cashback for Prime members | No airport lounge or premium perks |
| Automatic cashback — no redemption needed | 3.5% forex markup |
| Fast online approval & virtual card instantly issued | Basic design, not aspirational |
💬 7. Who Should Apply
The Amazon Pay ICICI Credit Card is ideal for:
- Regular Amazon users (especially Prime members).
- Salaried professionals wanting a zero-maintenance card.
- First-time credit card users who want easy approval.
Avoid this card if you rarely shop online or need travel/dining perks — in that case, consider HDFC Millennia or SBI Cashback.
🏁 Final Verdict
The Amazon Pay ICICI Credit Card is one of the best lifetime free credit cards in India.
Its simplicity, automatic cashback, and direct Amazon Pay integration make it a must-have for nearly every Indian shopper in 2025.
👉 Best Alternative: Flipkart Axis Credit Card — same category, 5% cashback on Flipkart.