← Part of ICICI Credit Cards in India
Launched in 2018, the Amazon Pay ICICI Credit Card has grown to serve over 5 million users in India by 2026, offering unlimited cashback on Amazon purchases. This co-branded card provides up to 5% cashback for Prime members and 3% for non-Prime members on Amazon.in, credited directly to the Amazon Pay balance.
| Parameter | Details |
|---|---|
| Card Type | Co-branded credit card (ICICI Bank, Amazon Pay, Visa) |
| Launch Year | 2018 |
| Joining Fee | Zero / Lifetime Free |
| Annual Fee | Zero / Lifetime Free |
| Primary Benefit | Unlimited cashback on Amazon purchases, credited to Amazon Pay balance |
| Cashback on Amazon (Prime Members) | 5% (unlimited) on shopping and travel bookings (as of 2026) |
| Cashback on Amazon (Non-Prime Members) | 3% (unlimited) on shopping, travel bookings, and physical products (as of 2026) |
| Cashback on Amazon Pay Partner Merchants | 2% on over 100 partner merchants and utility payments via Amazon Pay app (as of 2026) |
| Cashback on Other Transactions | 1% on all other eligible card-swipe or online transactions (as of 2026) |
| Exclusions for 1% Cashback | Fuel, EMI transactions, Amazon Business, gold purchases |
| Fuel Surcharge Waiver | 1% on fuel transactions across all petrol pumps (as of 2026) |
| Dining Discount | 15% off at over 2,500 restaurants via ICICI Bank’s Culinary Treats Program |
| No Cost EMI Tenure | 3 and 6 months on Amazon.in |
| Customer Support Hours | ICICI Bank customer support operates from 7 a.m. To 9 p.m. |
| Credit Card Closure Processing Time | Seven working days (per RBI MD Para 8 guidelines) |
The card’s lifetime free status and automatic cashback directly to the Amazon Pay balance make IT a strong contender for online shoppers in India.
Cashback & Rewards Structure 2026
The Amazon Pay ICICI Bank Credit Card offers unlimited, never-expiring cashback, with up to 5% on Amazon purchases for Prime members and 3% for non-Prime members. As of January 15, 2026, a 1% fee applies to wallet loads of ₹5,000 or more, and a 2% fee on skill-based gaming transactions.
| Reward Category | Cashback Rate (2026) | Key Feature |
|---|---|---|
| Amazon.in Purchases (Prime Members) | 5% unlimited cashback | Credited directly to Amazon Pay balance, no expiry |
| Amazon.in Purchases (Non-Prime Members) | 3% unlimited cashback | Credited directly to Amazon Pay balance, no expiry |
| Travel Bookings via Amazon Pay (Prime Members) | 5% unlimited cashback | Applies to flights and hotels booked through Amazon Pay |
| Travel Bookings via Amazon Pay (Non-Prime Members) | 3% unlimited cashback | Applies to flights and hotels booked through Amazon Pay |
| Amazon Pay Partner Merchants | 2% cashback | Applicable on over 100 partner merchants using the card on Amazon Pay |
| All Other Eligible Spends | 1% cashback | Applies to most card-swipe or online transactions outside Amazon ecosystem |
| Wallet Load Transactions | 1% fee on loads of ₹5,000+ | Effective from January 15, 2026, plus applicable taxes |
| Skill-Based Gaming Transactions | 2% fee of transaction amount | Effective from January 15, 2026, plus applicable taxes |
| International Forex Mark-up Fee | 1.99% of transaction value | Plus applicable taxes, effective October 11, 2025 |
| Fuel Surcharge Waiver | 1% waiver | Across all eligible fuel outlets in India, for transactions up to ₹4,000 |
| Welcome Offer (June 2026) | 100% cashback up to ₹100 | On first Amazon shopping (non-EMI) transaction, min. ₹1, during June 1-30, 2026 |
| Welcome Offer (Prime Members) | Benefits worth up to ₹2,500 + 1 Month EazyDiner Membership | d benefits upon card approval during offer period |
All cashback earnings are automatically converted into Amazon Pay Gift Cards and credited to your Amazon Pay balance within two days after each billing cycle ends, with no minimum redemption amount or fees.
Fees, Charges & Forex Mark-up
The Amazon Pay ICICI Bank Credit Card is a lifetime-free card, meaning IT carries zero joining or annual fees. However, specific transaction-based charges apply, including a 1.99% international forex mark-up fee as of October 11, 2025.
New fees, effective January 15, 2026, include a 1% charge on wallet loads of ₹5,000 or more, and a 1.99% Dynamic Currency Conversion (DCC) fee.
| Metric | Value |
|---|---|
| Joining Fee | Zero |
| Annual Fee | Zero |
| International Forex Mark-up Fee | 1.99% of transaction value + applicable taxes (effective October 11, 2025) |
| Dynamic Currency Conversion (DCC) Fee | 1.99% (effective January 15, 2026) |
| Wallet Load Fee (on ₹5,000 or more) | 1% (effective January 15, 2026) |
| Fuel Surcharge Waiver | 1% across all eligible fuel outlets in India (for transactions up to ₹4,000) |
| Cash Advance Fee | 2.5% of withdrawn amount (minimum ₹300) |
| Card Replacement Fee | ₹100 |
| Cheque/Cash Pick-up Fee | ₹100 per pick-up |
| Charge Slip Request Fee | ₹100 per charge slip |
| Goods and Services Tax (GST) | 18% (applicable on all fees, interest, and charges) |
| Online Gaming Spends Fee | 2% (effective January-February 2026) |
| Transportation Expenses Fee (exceeding ₹50,000 in specific MCCs) | 1% (effective January 15, 2026) |
The card’s zero annual fee makes IT a cost-effective option for Amazon-loyal shoppers, despite the introduction of new transaction-specific charges for 2026.
How to Apply for the Card
Applying for the Amazon Pay ICICI Bank Credit Card in 2026 involves a fully digital process, primarily through the ICICI Bank iMobile app or Amazon.in. The application period for welcome offers typically runs from June 01 to June 30, 2026, requiring successful application and bank approval.
The process includes a quick video KYC verification, which takes less than 5 minutes to complete. Card approval usually takes about 7 business days after KYC, with physical card delivery within another 7 working days.
- Initiate Application: Log into the ICICI Bank iMobile app, to “Cards & Forex,” then “Credit Cards,” and select “Get Plus Card (Add-on card).” Alternatively, apply directly via the Amazon.in website.
- Select Card & Enter Details: Choose the Amazon Pay ICICI Bank Credit Card and accurately fill in all required personal information for the applicant.
- OTP Verification: You will be redirected to an ICICI Bank page to enter a One-Time Password (OTP) sent to the mobile number registered with your Amazon account.
- Complete Application Form: Fill out the detailed application form with all necessary information and upload the specified supporting documents.
- Video KYC Verification: Complete a video KYC verification, which takes less than 5 minutes. You must be physically present within India’s geographical boundaries during this call, as per RBI guidelines.
- Document Submission: Ensure all required documents are ready for upload, including proof of identity (PAN Card, Aadhaar), proof of address (Aadhaar, utility bill not older than 3 months), and proof of income (latest salary slips, Form 16, or bank statements).
- Application Processing: For existing ICICI Bank credit card customers, processing can take as little as 30 minutes. New applications may take longer based on credit underwriting policies and bureau records.
- Approval and Delivery: Card approval typically takes 7 business days from the KYC appointment completion date. The physical card is then dispatched and usually delivered within 7 working days.
The Amazon Pay ICICI Bank Credit Card is a lifetime-free option, making the application process straightforward for eligible Indian citizens with a stable income.
Eligibility Criteria & Documents
Applying for the Amazon Pay ICICI Credit Card in 2026 requires applicants to be Indian citizens with a stable source of income. The application process includes a video KYC verification, which must be completed while physically present within India’s geographical boundaries.
- Citizenship: Applicants must be Indian citizens to be eligible for the Amazon Pay ICICI Bank Credit Card.
- Income Stability: A stable source of income is a mandatory eligibility criterion for all applicants.
- Video KYC Requirement: Video KYC verification is compulsory and takes less than 5 minutes to complete.
- Physical Presence for KYC: You must be physically present within India during the video KYC process, as per RBI guidelines.
- Proof of Identity: Acceptable documents include PAN Card, Aadhaar card, Driver’s License, Passport, or Voter’s ID.
- Proof of Address: Valid documents include Aadhaar card, Passport, Utility Bill (not more than 3 months old), or a Bank Account Statement.
- Proof of Income: Submit your latest one or two salary slips (not more than 3 months old), latest Form 16, or the last 3 months’ bank statement.
- Application Approval Time: Card approval typically takes 7 business days from the completion date of your KYC appointment.
Ensuring all documents are ready and meeting these criteria will streamline your application for the Amazon Pay ICICI Credit Card.
Amazon Pay ICICI vs Alternatives
The Amazon Pay ICICI Bank Credit Card offers distinct advantages for online shoppers, especially Prime members, compared to general-purpose cards like the ICICI Platinum Chip and HDFC Moneyback Plus. IT provides up to 5% cashback on Amazon purchases, a feature not matched by standard cards. As of 2026, the card remains a strong choice for those prioritizing Amazon-centric rewards.
| Feature | Amazon Pay ICICI Bank Credit Card | ICICI Platinum Chip Credit Card | HDFC Moneyback+ Credit Card |
|---|---|---|---|
| Card Type | Co-branded Credit Card (Amazon Pay & ICICI Bank) | Basic Starter Card | Rewards Credit Card |
| Joining Fees | Zero | Zero | ₹500 |
| Annual Fees | Zero | Zero | ₹500 (from 2nd year onwards) |
| Rewards on Amazon Purchases | 5% cashback (Prime), 3% cashback (non-Prime) | Traditional ICICI Reward Points system | 3.3% valueback (via 10X CashPoints) |
| Rewards on Other Online Spends | 1% unlimited rewards (outside Amazon) | Not optimized for online spending | More versatile rewards across multiple platforms |
| Wallet Load Fee (₹5000+) | 1% (effective January 15, 2026) | Not applicable | Not applicable |
| International Forex Mark-up Fee | 1.99% (effective October 11, 2025) | 3.50% | Not specified |
| Fuel Surcharge Waiver | 1% (up to ₹4,000 transaction) | 1% (up to ₹4,000 transaction at HPCL) | Not specified |
| Welcome Bonus (June 2026) | Cashback on first transaction, complimentary 3-month Prime | Does not offer a welcome bonus | Not specified |
| Dining Discounts | 15% off at 2,500+ restaurants (Culinary Treats Program) | 15% off at 2,500+ restaurants (Culinary Treats Program) | Not specified |
| No Cost EMI on Amazon.in | Available for 3 and 6 months tenure | Not a primary feature | Not a primary feature |
| Card Replacement Fees | ₹100 | ₹100 | Not specified |
While the Amazon Pay ICICI card excels in Amazon-specific rewards, other cards like the HDFC Moneyback Plus offer broader reward structures for diverse spending. The ICICI Platinum Chip a basic, lifetime-free option without significant reward benefits.
Welcome Offers & Promotions
The Amazon Pay ICICI Bank Credit Card offers a limited-time welcome promotion for new applicants in June 2026. This offer provides cashback benefits and a complimentary Amazon Prime membership for three months. To qualify, customers must successfully apply for the card during the offer period and have their application approved by ICICI Bank.
- Offer Period: The welcome offer is valid for applications submitted between June 01, 2026, 12 AM, and June 30, 2026, 11:59 PM.
- Eligibility: Customers must successfully apply for the Amazon Pay ICICI Bank Credit Card and receive approval from ICICI Bank Limited during the specified offer period.
- Cashback Redemption: Eligible cardholders collect coupons from the rewards page on Amazon.in. Cashback is credited to their Amazon Pay balance after completing their first successful transaction using the card.
- Prime Membership: The welcome offer includes a complimentary three-month Amazon Prime membership, shopping benefits on Amazon.in.
- Application Process: The application involves an online form and a video KYC verification, which typically takes less than 5 minutes to complete.
These promotional benefits are designed to provide immediate value to new Amazon Pay ICICI Bank Credit Card users.
Managing Your Card & Earnings
The Amazon Pay ICICI Bank Credit Card offers unlimited, never-expiring rewards, with earnings seamlessly credited to your Amazon Pay balance. As of January 15, 2026, a 1% fee applies to wallet loads of ₹5,000 or more.
- Accessing Earnings: You can view your earnings for past billing cycles in your credit card statement from ICICI Bank. Transaction history is also available under the ‘Amazon Pay ICICI Bank Credit Card: Earnings for last billing cycle and the applicable gift card issued for earnings on this Credit Card’ section.
- Reward Redemption: Earnings are provided as Amazon Pay Gift Cards, redeemable into your Amazon Pay balance. There is no minimum redemption amount and no fees for redeeming your earnings.
- PIN Generation: To generate your credit card PIN, log into the iMobile app, to Services, then Card PIN Services, and select Generate Credit Card PIN.
- Transaction Management: You can enable specific transaction types and set spending limits through the iMobile app. These changes require verification via an OTP sent to your registered mobile number.
- Physical Card Delivery: After your application is approved, ICICI Bank typically dispatches the physical card within approximately 7 working days.
- Customer Support: ICICI Bank offers 24×7 customer care via call, chat, and email for credit card queries. For service complaints via the iMobile app, contact 1800 200 3344 between Monday to Friday, 9 am to 6 pm.
This card is a lifetime-free option, making IT a strong choice for frequent Amazon shoppers in 2026.
Key Takeaways
- The Amazon Pay ICICI Credit Card provides unlimited, non-expiring rewards directly to your Amazon Pay balance.
- A 1% fee is applicable on wallet loads of ₹5,000 or more, effective January 15, 2026.
- Card management, including PIN generation and transaction limits, is accessible via the ICICI Bank iMobile app.
For detailed information and to manage your card, visit the official ICICI Bank website or the Amazon.in card page.
Frequently Asked Questions (FAQs)
What are the main benefits of the Amazon Pay ICICI Credit Card in 2026?
The Amazon Pay ICICI Credit Card offers unlimited cashback, with up to 5% on Amazon purchases for Prime members and 3% for non-Prime members. You also get 2% cashback on payments made on Amazon Pay partner merchants and 1% on all other spends. These rewards are automatically credited to your Amazon Pay balance.
Is the Amazon Pay ICICI Credit Card a lifetime free card in 2026?
Yes, the Amazon Pay ICICI Credit Card remains a lifetime free card in 2026, with no annual or joining fees. This makes IT a cost-effective option for frequent Amazon shoppers. The card’s core value proposition includes zero fees and automatic cashback.
What is the cashback rate for Amazon Prime members with this card?
Amazon Prime members receive 5% unlimited cashback on all purchases made on Amazon.in using the Amazon Pay ICICI Credit Card. This is a key benefit that savings for loyal Amazon customers. Non-Prime members receive 3% cashback on Amazon purchases.
How is cashback credited for the Amazon Pay ICICI Credit Card?
Cashback earned with the Amazon Pay ICICI Credit Card is automatically credited to your Amazon Pay balance. This usually happens within two working days after your monthly statement generation. You can then use this balance for future purchases on Amazon or with Amazon Pay partner merchants.
What are the eligibility criteria for the Amazon Pay ICICI Credit Card in 2026?
To apply for the Amazon Pay ICICI Credit Card, you must be an Indian resident between 21 and 60 years old. Applicants need a stable income source and a good CIBIL score, typically 750 or higher, to improve approval chances. ICICI Bank assesses eligibility based on income, credit history, and existing banking relationship.
Are there any fees for wallet loads with the Amazon Pay ICICI Credit Card in 2026?
Yes, from January 15, 2026, ICICI Bank introduced a 1% fee on wallet loads of ₹5,000 or more using the Amazon Pay ICICI Credit Card. This change impacts users who frequently load their digital wallets with larger amounts. Always verify the latest fee structure on the official ICICI Bank website.
How can I apply for the Amazon Pay ICICI Credit Card in 2026?
You can apply for the Amazon Pay ICICI Credit Card directly through the Amazon.in website or the ICICI Bank website/iMobile app. The application process typically involves filling an online form and submitting required documents like PAN card, address proof, and income proof. Approval is often instant for pre-approved customers.
Disclaimer: This article is general information, not financial advice. Interest rates, fees, and eligibility change frequently. Verify current details with the lender or regulator (RBI / SEBI / IRDAI) before deciding.