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ICICI BankGold

ICICI Amazon Pay Credit Card

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Quick facts

ICICI Amazon Pay Credit Card

Top reward5%

Annual feeLifetime Free

Min income₹25,000/mo

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🛒Shopping Partners

ICICI Bank · Gold tier

ICICI Amazon Pay Credit Card

Best for Amazon Prime shoppers.

Key Benefits

Amazon (Prime): 5% — Unlimited for Prime membersAmazon (non-Prime): 3%Other spends: 1%Forex markup: 3.5%

Annual fee

Free

Top rate

Min income

₹25,000/mo

Eff. return

2.12%

Realistic net value (moderate user): ₹10,170/year

After ₹0 fee & ₹630 forex. Based on ₹40,000/mo spend.

12,400 users matched · Verified 2026-06-12

You apply directly with the bank. If you share your contact details on their form, the bank may call you. We never sell your data or make sales calls.

We earn commission if approved — at no cost to you. Zero sales calls.

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Our transparency commitment

✓ Reward caps shown in absolute ₹ — not just "5% cashback"

✓ Exclusions listed upfront — fuel, EMI, rent, wallet

✓ Point conversions with conservative ₹/point rates

Rates, fees, and eligibility notes are sourced from public issuer information and may contain errors. Always verify on the bank's website before applying.

All Benefits

Rewards, lounge rules, fee perks, and extras — sourced from public issuer information.

Amazon (Prime): 5% — Unlimited for Prime members
Amazon (non-Prime): 3%
Other spends: 1%
2% on Amazon non-Prime
Lifetime free
Forex markup: 3.5%
Best for: Amazon Prime members
Best for: Amazon-heavy shoppers
Best for: Lifetime-free seekers

Source: ICICI Amazon Pay T&Cs

🛒Shopping Partners

Amazon, Flipkart & co-branded accelerators

Reward Structure

Source: ICICI Amazon Pay T&Cs

Amazon (Prime)

Unlimited for Prime members

Example: ₹10,000/mo spend → ≈ ₹500/mo

Amazon (non-Prime)

Example: ₹10,000/mo spend → ≈ ₹300/mo

Other spends

Example: ₹10,000/mo spend → ≈ ₹100/mo

Excluded categories (no rewards)

EMIFuelRentWalletJewellery

Forex markup

3.5%

What You Actually Earn (in ₹)

Absolute INR estimates based on your spends. Caps and exclusions applied — no marketing fluff.

Gross rewards / year

₹10,800

Before fees & forex

Costs / year

₹630

Fee ₹0 + forex ₹630

Net value / year

₹10,170

2.12% effective return on spend

Category-wise breakdown

Online shopping (Amazon only)

Spend ₹10,000/mo · 5% cashback

₹6,000/year

₹500/mo

₹10,000 × 5% = ₹500/mo

Online shopping (Amazon only)

Spend ₹10,000/mo · 2% cashback

₹2,400/year

₹200/mo

₹10,000 × 2% = ₹200/mo

All other eligible spends

Spend ₹20,000/mo · 1% cashback

₹2,400/year

₹200/mo

₹20,000 × 1% = ₹200/mo

Estimates assume eligible spends only (exclusions per issuer T&Cs apply). Point values use typical redemption rates — actual value varies by redemption choice. Bank approval and reward crediting is at issuer discretion.

Best for

→Amazon Prime members
→Amazon-heavy shoppers
→Lifetime-free seekers

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Fees & Charges — Full Disclosure

All amounts in INR. Everything that can reduce your net value.

Joining fee

Lifetime free card

₹0

Annual / renewal fee

No renewal fee ever

₹0

Forex markup

3.5%

Finance charges

≈3.5–3.75% per month (42–45% p.a.) if you revolve balance — pay in full to avoid

Late payment fee

₹400–₹1,300 depending on statement balance — always pay on time

Reward redemption fee

Usually ₹0 for cashback cards; points cards may have ₹99+ redemption fee

Example: moderate user net math

Gross rewards+ ₹10,800

Annual fee− ₹0

Forex cost− ₹630

Net annual value₹10,170

Eligibility Snapshot

Public criteria from ICICI Amazon Pay T&Cs. Bank makes final decision.

Minimum age21–60 years

Min income (salaried)₹25,000/mo

Min income (self-employed)₹6,00,000/year

Employment acceptedsalaried, self employed

Credit historyNo minimum stated

CIBIL checkBank checks at application — CardHungry never pulls your score

Secured optionUnsecured card only

Card tierGold — mid-tier mass premium

Important: These are indicative eligibility bands from issuer websites. Actual approval depends on the bank's internal score, existing relationship, and current portfolio policy. CardHungry shows bands, not guarantees.

FAQ

How much can I actually earn with ICICI Amazon Pay Credit Card?+

At moderate spend (₹40,000/mo), gross rewards are about ₹10,800/year. After the ₹0 annual fee, net value is approximately ₹10,170/year. Use the calculator above to model your own spends.

What is the minimum income for ICICI Amazon Pay Credit Card?+

₹25,000/month for salaried applicants (indicative — bank decides).

What spends do NOT earn rewards?+

EMI, Fuel, Rent, Wallet, Jewellery.

Does CardHungry pull my CIBIL score?+

No. We use public eligibility criteria only. The bank will check CIBIL when you apply.