Amazon Pay ICICI Bank Credit Card
A lifetime-free Amazon co-branded card: 5% on Amazon for Prime members, 3% for others, 1% elsewhere, paid as Amazon Pay balance, with no cap. Every figure below is copied from ICICI Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Invite-only: ICICI Bank’s Apply button leads to Amazon’s page.
Fees and charges
| Joining fee | Nil Product page |
|---|---|
| Annual fee | Nil Product page |
| Annual fee waiver | Not needed |
| GST on fees | 18% |
| Foreign-currency markup | 1.99% of the transaction, plus GST MITC |
| The MITC schedule and the product page give a 1.99% markup from 1 October 2025; an older footnote in the MITC still says 3.50%. | |
Rewards
Cashback.
| Spend | Earns | Cap |
|---|---|---|
| Amazon, Prime members | 5% cashback Terms | no cap on record |
| Amazon, without Prime | 3% cashback Terms | no cap on record |
| All other purchases | 1% cashback Terms | no cap on record |
Paid as Amazon Pay balance, usable only on Amazon and Amazon Pay purchases.
Bill payments and recharges made through Amazon Pay earn 2% by the terms; CardWise counts bills under the exclusion for bills paid outside Amazon.
No rewards on
Benefits
- Lounges: none on record
- Fuel: 1% fuel surcharge waived at all petrol pumps (no cap or transaction range is stated) MITC
Eligibility
- Age 21 or above Product page
- Indian citizen Product page
- Salaried or self-employed Product page
- Salaried: monthly income of at least ₹30,000 Product page
- Self-employed: monthly income of at least ₹30,000 Product page
Not published by ICICI Bank in the documents read
- the card network
- a RuPay variant for UPI
- a welcome benefit
Where ICICI Bank’s documents differ, and what is used
- Partner merchants: one FAQ on the product page says 1%, the page table says 2; the terms (12 Oct 2026) give 2% only through Login and Pay with Amazon Pay. Partner-merchant spends are not modelled separately.
The quotes behind the figures
27 figures, each copied from an official ICICI Bank document.
Show every quote and source
“Joining Fee NIL Annual Fee NIL”
“Presently the GST rate for banking and financial services is at 18% (applicable on all fees, interest, surcharge and other charges).”
“(w.e.f. Oct 1, 2025) Mark-up of 1.99%. A refund initiated by the customer on similar Foreign Currency transactions will also attract a 1.99% Mark-up fee.”
“For Card Members having Amazon Prime Membership, earn rate of the Reward Points will be 5% of the”
“transaction amount for all the transactions carried out on www.amazon.in (Excluding Gold Coins via Amazon Pay)”
“For Card Members not having Prime Membership, earn rate of the Reward Points will be 3% of the transaction amount for all transactions carried out on www.amazon.in (Excluding Gold Coins via Amazon”
“1% Reward Points will be offered for all purchases on non-amazon platform”
“Unlimited reward points upto 5% on Amazon purchases*”
“Unlimited reward points of 1% on all other spends*”
“With effect from Oct 11, 2025, education and international transactions will not be eligible for any Reward Points”
“With effect from Oct 11, 2025, utility transactions outside the Amazon platform will not be eligible for any Reward Points”
“Transactions for the purchase of fuel, gold, silver, any precious metal, any Tax-related payments will not be eligible for Reward Points.”
“All transactions towards payment of rent on any Merchant Category Code will be levied a 1% fee. No reward point will be extended for the transaction routed through rent payment Merchant Category Codes.”
“With effect from Jun 18, 2024, rent transactions will not earn you any Reward Points”
“The earn rate will be 2% of the transaction amount for all transactions carried out in digitally fulfilled categories(E.g. Mobile recharges, Bill Payments, etc.) via Login and Pay with Amazon Pay and physical gift cards”
“EMI transactions, including EMI on call and cash transactions will not be eligible for Reward Points.”
“No Joining Fee No Annual Fee Low Forex Markup - 1.99%”
“All Reward Points will be credited as Amazon Pay balance within 2 working days of the completion of your last billing cycle in terms of Amazon Gift Cards and can be redeemed as per the Terms and Conditions applicable to such Amazon Gift Card at the time of issuance”
“The Amazon Pay balance can be used for partial or full payment of all Amazon and Amazon Pay purchases.”
“The Amazon Pay ICICI Bank Credit Card offers unlimited, never-expiring rewards on your everyday purchases with up to 5% rewards on Amazon purchases, seamlessly credited to your Amazon Pay balance.”
“Surcharge waiver of 1% of transaction value on all petrol pumps on Amazon Pay ICICI Bank Credit Cards.”
“Amazon Pay and ICICI Bank renew partnership, enhance India’s most-adopted co-branded credit card”
“Indian citizen with minimum age of 21”
“Self-employed individual with a monthly income of at least ₹ 30,000”
“Salaried employee with a monthly income of at least ₹ 30,000”
“Self-employed individual with a monthly income of at least ₹ 30,000 It is an Invite Only Program”
“This is an invite-only programme. Please click here to apply for the Amazon Pay ICICI Bank Credit Card.”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with ICICI Bank or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is ICICI Bank’s own file from its website, unaltered, fetched 2026-10-15. Methodology