ICICI Amazon Pay Credit Card – Benefits, Fees, Eligibility & How to Apply (2025 Guide)
Quick summary: The Amazon Pay ICICI Bank Credit Card is a lifetime-free co-branded card that gives strong cashback on Amazon purchases (higher for Prime members), rewards on Amazon Pay transactions and useful everyday category payouts — with no joining or renewal fee. This guide breaks down benefits, fees, eligibility, welcome offers and the step-by-step apply process.
Why this card? Quick overview
The ICICI Amazon Pay Credit Card is targeted at regular Amazon shoppers and Amazon Pay users. For Prime members it offers top cashback rates on Amazon purchases; non-Prime users also get attractive rewards. The card is positioned as a lifetime free product (no annual fee) with focused benefits for shopping and Amazon Pay categories. Please read the terms before applying for fine print and exclusions.
Important recent changes (Sep 11, 2025)
ICICI Bank and Amazon updated the co-branded credit card program effective October 11, 2025, including a reduction in forex markup for international transactions (from ~3.5% to 1.99%) while retaining core cashback benefits for Prime and non-Prime members.
Main features & cashback structure
- 5% cashback on Amazon (Prime members) on eligible purchases on amazon.in (exclusions apply).
- 3% cashback on Amazon (non-Prime members) on eligible purchases on amazon.in
- 2% cashback on select Amazon Pay categories like bill payments, recharges or gift cards (check exclusions).
- 1% or 2% on other categories depending on the merchant and whether payment goes via Amazon Pay — read the exclusions for rent, taxes, education, etc.
- Lifetime free card — no joining fee or renewal fee.
- Reduced forex markup from Oct 11, 2025 (1.99% for international transactions).
Welcome offer & Prime benefits
Amazon's product pages list welcome/rewards offers that may vary by time and Prime status. As published around the Sep 2025 updates, Prime members have access to higher welcome/reward bundles compared to non-Prime members
Eligibility & key criteria
- Typical age requirement: **21 to 65 years**
- Minimum income requirements: For Salaried customer minimum salary Rs 20,000 pm and if self employed then annual income more than Rs 3,60,000
- Residence, KYC, credit score and other standard checks apply.
Fees, interest rates & important charges
The product is marketed as a lifetime-free credit card (no joining or renewal fees). Interest rate (as with most cards) and finance charges for revolved balances apply per ICICI Bank's schedule.
| Charge | Typical value / notes |
|---|---|
| Joining fee / Annual fee | Nil / Lifetime free |
| Finance Charges | 3.75 % per month or 45 % per annuam |
| Foreign currency (forex) markup | Reduced to 1.99% effective Oct 11, 2025 |
| Late payment fees | Levied as per bank policy — check bank T&C PDF |
How cashback / rewards are credited
Cashback is usually credited as Amazon Pay balance or statement credit based on the card's reward rules. Some categories may be instant while others are credited monthly after merchant settlement.
Step-by-step: How to apply (online)
- Go to the official Bank Buddy India website and click apply button on ICICI Bank Amazon Pay Credit Card page.
- Click Apply and sign in with your Amazon account (if applying via Amazon flow) or may apply through official website of ICICI Bank.
- Fill personal details (name, DOB, PAN, income, employment). Attach KYC docs if requested.
- Submit; you may get an instant eligibility decision or a call from the bank for verification.
- On approval, e-card or physical card dispatch follow bank timelines; read the welcome communication for how your cashback & welcome credits are applied.
Pros & Cons — Quick take
- Strong cashback on Amazon purchases (higher for Prime members).
- Lifetime free — good for shoppers who want a no-fee card.
- Reduced forex markup announced (Oct 11, 2025), helpful for international transactions.
- Cashback value is most beneficial if you shop on Amazon frequently — less useful for others.
- Reward exclusions and merchant category restrictions may apply — read the terms & Condition.
FAQs
Is the ICICI Amazon Pay Credit Card free forever?
Yes — the card is marketed as lifetime free (no joining or renewal fees). Always confirm on the apply page and T&C when you apply.
Do Prime members get better cashback?
Yes. Prime members typically get 5% cashback on eligible Amazon purchases vs 3% for non-Prime members — check current campaign & exclusions.
How fast is the cashback credited?
Crediting cycles vary — some cashback posts monthly after merchant settlement. Consult the T&C for exact timelines.
Disclosure & advice
I am not a financial advisor. This article is for informational purposes only — read the bank's official terms and conditions and check live offers on the ICICI Bank / Amazon apply page before applying.
Conclusion — who should apply?
If you are a regular Amazon shopper (especially Prime), the ICICI Amazon Pay Credit Card is one of the most rewarding no-fee co-branded cards in India — thanks to high Amazon cashback and focused Amazon Pay benefits. If you rarely use Amazon, compare category coverage and rewards with other cashback or travel cards before applying.