RewardMatrix

Amazon Pay ICICI Bank

The Amazon Pay ICICI Bank Credit Card is a lifetime free cashback card offering up to 5% back on Amazon purchases and 2% on Amazon Pay partner merchants.

Amazon Pay ICICI Bank

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Intro Offer

₹750 Amazon Pay cashback for Prime members; ₹600 for non-Prime members (as of November 2024). Other welcome offers may vary.

Annual Fees

₹0

Joining Fees

₹0

Reward Rate

1.00 - 5.00 %

RewardMatrix Rating

4.0

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Who should get this card

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Card Overview

The Amazon Pay ICICI Bank Credit Card is designed for frequent Amazon shoppers, especially Prime members. It offers a simple cashback structure with no reward points to manage. Cashback is automatically credited to your Amazon Pay balance each billing cycle. While it excels for Amazon purchases, its benefits outside of the Amazon ecosystem are limited. This card is ideal for those seeking a straightforward cashback card with no annual fee and primarily shop on Amazon. Prime members get the most value, earning 5% back on Amazon and 2% on Amazon Pay partner merchants. Non-Prime members earn a respectable 3% on Amazon but the same 2% on partner merchants. While the card lacks the broader benefits of some other cashback cards, its simplicity and focus on Amazon make it a strong choice for loyal Amazon customers. The lack of an annual fee further enhances its appeal for those looking to maximize their savings without ongoing card costs.

Intro Offers

₹750 Amazon Pay cashback for Prime members; ₹600 for non-Prime members (as of November 2024). Other welcome offers may vary.

Condition: Varies depending on the current offer. Check the terms and conditions during application.

Fees

Annual Fee

₹0

Joining Fee

₹0

Forex Fee

3.5%

Eligibility

#1
Age
Must be at least 18 years old.
#2
Credit Score
A good credit score is required.
#3
Income
A stable source of income is necessary.

Reward Points

Total spend on Amazon (Prime)

0.15 Amazon Pay Cashback for every ₹3 spent

Total spend on Amazon (Non-Prime)

0.27 Amazon Pay Cashback for every ₹9 spent

Total spend on Amazon Partner Merchants

1.14 Amazon Pay Cashback for every ₹57 spent

Total spend on other platforms/offline

0.57 Amazon Pay Cashback for every ₹57 spent

Examples:

A Prime member spending Rs. 10,000 on Amazon earns Rs. 500 cashback.
A non-Prime member spending Rs. 5,000 on Amazon earns Rs. 150 cashback.
Spending Rs. 2,000 at an Amazon Pay partner merchant earns Rs. 40 cashback.
Any other spend of Rs. 1,000 earns Rs. 10 cashback.

Exclusions:

Rent Payments

Purchase of Physical and Digital Gold

EMI Transactions

Amazon Business Transactions

Fuel Transactions

Milestones

No milestones available for this card.

Redemptions

No redemption options available for this card.

Rewards Calculator

ON MONTHLY SPEND

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1LYour monthly expenditure

Total spend on Amazon (Non-Prime) (₹)

3.00% rewards

Total spend on Amazon (Prime) (₹)

5.00% rewards

Total spend on Amazon Partner Merchants (₹)

2.00% rewards

Total spend on other platforms/offline (₹)

1.00% rewards

REWARD POINTS EARNED

0 Amazon Pay Cashback earned per year

POINT REDEMPTION OPTIONS

0 Worth of gift vouchers

Lounge Access

No lounge access available for this card.

Discounts

Dining

No Dining discounts on this card

Fuel

1% fuel surcharge waiver

Conditions:

Applicable at all fuel stations in India.
Excludes fuel transactions from cashback earning.

Movie

No Movie discounts on this card

Insurance Coverage

No insurance coverage available on this card.

Other Features

EMI Conversion

No Cost EMI options available on Amazon purchases above ₹3,000.

Pros & Cons

PROS

Lifetime Free
No joining or annual fees.
High Cashback on Amazon
Up to 5% cashback on Amazon.in purchases for Prime members, 3% for non-Prime members.
Automatic Cashback
Cashback is automatically credited to your Amazon Pay balance.
No Cashback Limits
Unlimited cashback earnings.

CONS

Limited Benefits Outside Amazon
Only 1% cashback on non-Amazon spends.
No Travel Benefits
No lounge access or other travel perks.
Amazon Pay Cashback
Cashback is restricted to Amazon Pay balance, not as a statement credit.

Who should get this card

This card is best suited for individuals who frequently shop on Amazon, especially those with an Amazon Prime membership. It's also a good option for those seeking a simple, no-fee cashback card without the complexities of reward points programs.