Amazon Pay ICICI Credit Card (2026) Review

5% back on Amazon for Prime members, 3% for non-Prime, 1% elsewhere. It is a cashback card from ICICI Bank on the Visa network, and it is lifetime free.

At a glance

Credsir rating	2.5/5
Best for	Amazon Prime households wanting a no-fee card
Joining fee	Nil
Annual fee	Lifetime free
Effective return	2.0%
Forex markup	3.50%
Lounge access	0 domestic · 0 international
Minimum income	₹3,00,000/yr
Minimum credit score	700+

The minimum score of 700 is the gate most applications fail on, so it is worth reading the factors that affect a credit score before you apply rather than after a rejection.

Our verdict

The highest-volume credit card in India for good reason. Zero fee and uncapped 5% on Amazon means it can never cost you money — the only question is whether you shop there enough for it to matter.

What cardholders say

What people like: Cashback arrives as Amazon Pay balance rather than points, and holders spend it on recharges and utility bills, not only Amazon orders.
What people do not like: Approval looks unpredictable: posters report rejections on 750-plus scores and high salaries, and often advise holding another ICICI card first.

From public user discussion, not our own testing, read September 2026.

How we scored it

Credsir rating	2.5/5
Rewards	2.0
Fees	5.0
Perks	0.0
Accessibility	4.8

Rewards carry 40% of the weight, perks 25%, fees 20% and accessibility 15%. The score is computed from the fields above, not assigned. The full method is published on our methodology page.

What works, what does not

What works

Genuinely lifetime free — no joining or annual fee, ever
No cap on the Amazon cashback
Cashback lands as Amazon Pay balance automatically

What does not

Rewards are locked into the Amazon ecosystem
No lounge access or travel benefits
Only 1% outside Amazon and partner merchants

The full cost

Charge	Amount
Joining fee	Nil
Annual fee	Nil
GST on annual fee (18%)	Nil
Total annual cost	Nil
Fee waiver threshold	No waiver offered
Forex markup	3.50% + GST on the markup
Fuel surcharge waiver	Yes, 1% (capped)
Finance charge if you revolve	Typically 3.5%/month — about 42% a year

Updated 15 Aug 2026 · icicibank.com

The 18% GST on the annual fee is the number most comparisons quietly omit. A ₹2,500 card actually costs ₹2,950 a year. Factor that in before deciding whether the rewards clear the bar. On this card the point is moot, because the fee is nil either way.

Is the card worth it for you?

The figures below are our worked example at an annual spend of ₹6,00,000, not a quote. Put your own numbers into the credit card reward value calculator to see whether the card pays you or costs you.

Annual spend	₹6,00,000
Rewards earned	₹9,000
Annual fee incl. 18% GST	₹2,950
Net value in year 1	₹8,550
Effective return on spend	1.01%
Monthly spend to break even	₹16,389

A genuine 1.01% return. Remember the GST on the annual fee — most comparisons forget it, and it is 18% on top of the sticker fee.

Compare with

Card	Issuer	Rating	Return	Fee
Scapia Federal Bank Credit Card	Federal Bank	3.9/5	3.0%	Nil
SBI Cashback Credit Card	SBI Card	3.2/5	4.2%	₹999
Tata Neu Infinity HDFC Bank Credit Card	HDFC Bank	3.2/5	2.8%	₹1,499

If the Amazon lock-in is the sticking point, the wider field of best cashback credit cards pays on any merchant instead of one.

Effective reward rate is our own blended estimate for a typical spend mix — not the accelerated rate an issuer advertises on one category. Annual fees are shown before the 18% GST that is charged on top. Verify current terms on the issuer’s site before applying; card terms change without notice.