Amazon Pay ICICI Credit Card Review: Rewards, eligibility, and hidden charges

In today’s rapidly evolving digital era, shopping has evolved from a mere necessity into an enjoyable experience, and the right credit card can enhance it further. The Amazon Pay ICICI Credit Card stands out as a smart financial tool designed specifically for online shoppers, especially Amazon customers.

With no joining or annual fees, this credit card provides cardholders with exclusive cashback, flexible reward redemption, and special perks like dining discounts and fuel surcharge waivers.

This write-up focuses on everything you need to know about the Amazon Pay ICICI Credit Card, including its fees and charges, eligibility criteria, application process, standout features, and reward benefits.

Whether you're a frequent Amazon user or someone exploring zero-fee credit card options with value-packed rewards, this guide will help you decide if this card is the right fit for your spending habits.

Key benefits of the Amazon Pay ICICI Credit Card

1. No annual or joining fees: This credit card is affordable from the very start because there are no annual or membership fees.
2. Infinite reward points: Every purchase counts so that you can collect as many credit card reward points as you would like.
3. Redemptions are flexible: Reward points are very flexible and can be used on Amazon and at more than 100 Amazon Pay partner retailers.
4. Free EMI offers: Use Amazon's free three- or six-month EMI offers to split expensive buys into manageable instalments.
5. Reward points : Each reward point is automatically converted into Amazon Pay balance that can be redeemed immediately for making purchases (1 reward point = ₹1).
6. Dining discounts: Enjoy savings of at least 15% at partner restaurants of the Culinary Treats program.
7. Fuel surcharge waived: Save one percent of gasoline surcharges at all Indian petrol stations.

Amazon Pay ICICI Credit Card fees and charges 2025

Note: The above charges are indicative and subject to change at the bank’s discretion. Always check the latest fee structure on the official ICICI Bank or Amazon Pay website before applying.

How does the Amazon Pay ICICI Credit Card work?

1. 1% rewards: Earn 1% cash back on all purchases including food, lodging and retail.
2. 3% cashback: On Amazon India purchase, 3% cashback is available for an Amazon Prime member.
3. 2% cashback: Get 2% cash back for each purchase from more than 100 Amazon Pay partner companies.
4. Simple redemption: You can automatically redeem your rewards as Amazon Pay balance or access them via the PAYBACK website or app.

How to apply for the Amazon Pay ICICI Credit Card?

Option 1: Through bank website

Step 1: Visit the 'Products' tab of the ICICI Bank website and click on the page for Amazon Pay ICICI credit card.

Step 2: Click "Apply Now" to proceed, alternatively, check your eligibility on Amazon.in.

Option 2: Through Amazon website

Step 1: Click on the Amazon Pay section on the Amazon app or website to check your eligibility.

Step 2: If eligible, use the platform to complete the application process.

Eligibility criteria for Amazon Pay ICICI Credit Card

All these following conditions must be followed while applying for the Amazon Pay ICICI credit card:

• Age: 18 to 60 years.
• Occupation: Salaried and self-employed individuals can apply.
• Income: Rs. 25,000 for ICICI Customers, Rs. 35,000 for other applicants.
• Credit score: Credit score should be more than 750.

List of documents required for Amazon Pay ICICI Credit Card

1. Identity proof: Aadhar card, PAN card, Voter’s ID, or Passport.
2. Address proof: Electricity bill, Water bill, Ration card, or Registration documents.
3. Income proof: Salary slips, Form 16, Bank statement of last three months.

Is it worth taking Amazon Pay ICICI credit card?

The Amazon Pay ICICI Credit Card is ideal for Prime members and regular Amazon shoppers, offering lifetime free usage and cashback rewards. However, it may not suit those seeking flexibility or non-Amazon benefits.

Still, as a prudent credit card user, it is always better to discuss your financial capacity, long term goals, debt levels, repayment capacity and associated factors with a certified financial advisor before deciding to invest in any particular credit card product. 

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Disclaimer: Mint has a tie-up with fintechs for providing credit; you will need to share your information if you apply. These tie-ups do not influence our editorial content. This article is intended to educate and spread awareness about credit needs like loans, credit cards, and credit scores. Mint does not promote or encourage taking credit, as it comes with risks such as high interest rates and hidden charges. Please consult a certified financial advisor before making any credit decision.