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ICICI Bank · Visa · हिन्दी

Amazon Pay ICICI Credit Card: full review

If you have Amazon Prime, this is a must-have wallet card. Lifetime free with 5% back on Amazon is unmatched. Best used alongside another card for non-Amazon spend.

Apply now ↗Annual fee: Lifetime free
Last updated: October 2026 · Current terms verified
ICICI BANK
VISA
)))
AMAZON PAY
ASHOK KUMAR
12/28
Lifetime freeAnnual fee
5% on Amazon for Prime members, 3% for non-Prime; 2% on Amazon Pay partner merchants; 1% on other spends, with no cashback on fuel, rent, tax, education, international spends or utility bills paid outside AmazonReward structure
NoLounge access
5% back on Amazon (Prime members)3% back on Amazon (non-Prime)2% on Amazon Pay partner merchants1% on other spends (no cashback on fuel, rent, tax, education, international spends or utility bills paid outside Amazon)1.99% forex markup on international spends, cut from 3.5% in October 2025Lifetime free, no annual fee ever
Apply now ↗ Min. income: ₹3L+ per year · Credit score: 650+
Pros and cons
Pros
✓ Best card for Amazon shoppers with Prime
✓ Zero annual fee forever
✓ 2% on Amazon Pay partners is very broad
✓ Easy approval criteria
Cons
✗ Only valuable if you shop on Amazon regularly
✗ No lounge access
✗ Lower rate without Prime membership
Quick facts
Issuer ICICI Bank
Network Visa
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → Lifetime free
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹0
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → No
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 1.99%
Interest rate 3.75% per month (45% a year)
Fee waiver No joining or annual fee, so there is nothing to waive
Add-on cards Supplementary (add-on) cards carry no fee
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹3L+ per year
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 650+
SourceICICI Bank's Most Important Terms and Conditions (MITC, last updated 10 July 2026) and its September 2025 card revamp announcement · Last checked October 2026
Recent updates

Reflected ICICI Bank's revamp of this card: the forex markup was cut from 3.5% to 1.99% (from 1 October 2025, confirmed in the MITC), and utility bills paid outside Amazon no longer earn cashback.

Forex markup3.5%1.99%
Utility bills outside Amazon1% cashbackNo cashback
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Frequently asked questions
The annual fee for Amazon Pay ICICI Credit Card is Lifetime free. This card is lifetime free with no annual fee.
5% on Amazon for Prime members, 3% for non-Prime; 2% on Amazon Pay partner merchants; 1% on other spends, with no cashback on fuel, rent, tax, education, international spends or utility bills paid outside Amazon
Amazon Pay ICICI Credit Card is best for Amazon Prime members. If you have Amazon Prime, this is a must-have wallet card. Lifetime free with 5% back on Amazon is unmatched. Best used alongside another card for non-Amazon spend.
The minimum income requirement for Amazon Pay ICICI Credit Card is ₹3L+ per year. A minimum credit score of 650+ is also recommended.
Yes, Amazon Pay ICICI Credit Card offers No.
Amazon Pay ICICI Credit Card charges a 1.99% foreign currency markup on international transactions. This is lower than the standard 3.5% charged by most Indian credit cards.
Related guides
Best Shopping Credit Cards →Best Cashback Credit Cards →Best Lifetime Free Credit Cards →Best Credit Cards for Amazon and Flipkart →Best Credit Cards for Students →
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