Amazon Pay ICICI Credit Card Review
Amazon Pay ICICI Credit Card offers lifetime free card benefits, providing unlimited 5% cashback on Amazon.in purchases for Prime members and 3% for non-Prime members. This card is a very good option for regular Amazon users. However, it lacks in many perspectives, such as lounge access, offline use, and non-Amazon spend. Is this card worth applying for?
In this review, we will discuss its benefits and rewards with examples, eligibility, pros and cons and my verdict on who should apply and who should not, so read this review till the end.
Amazon Pay ICICI Credit Card Features
| Feature | Details |
|---|---|
| Joining Fee | ₹0 (Lifetime Free) |
| Annual Fee | ₹0 (Lifetime Free) |
| Base Reward Rate | 5% |
| Best Reward Categories | online_shopping |
| Forex Markup | 3.5% |
Amazon Pay ICICI Credit Card Eligibility Criteria
| Criteria | Details |
|---|---|
| Minimum Income | ₹15,000 / month |
| Employment Type | Salaried & Self Employed |
| Age Requirement | 18-65 Years |
No hard and fast rule of eligibility is mentioned on the official site, so if you have a good credit score and a stable income source, you can apply for this card easily.
Amazon Pay ICICI Credit Card Rewards & Benefits
| Reward Type | Details |
|---|---|
| Welcome Bonus | Welcome rewards worth ₹2,000 |
| Bonus Categories | Amazon ICICI Card, Cashback card |
| Reward Structure |
|
| Reward Exclusions | No cashback on gold, silver, Fuel, rent, etc. |
Let’s understand Amazon Pay ICICI Credit card cashback easily-
- If you’re an Amazon Prime member, then you’ll get 5% Unlimited cashback on Amazon site spends, which is great for Amazon users.
- for Non-prime members, 3% unlimited cashback on Amazon spend.
- 2% cashback on Amazon Pay partners and 1% on all other eligible spends.
There is no upper cashback limit on this card, unlike other cashback cards, so that’s the best thing. If you spend a lot of money on Amazon, then this card can save thousands for you by just using it. Cashback will be auto-adjusted in the next month’s bill cycle.
For example, if you spend ₹2 Lakh on amazon shopping, then you’ll get benefit of ₹10,000 as a cashback.
How to Apply for Amazon Pay ICICI Credit Card
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Check Eligibility
If your monthly income is ₹15,000 or more , your age falls within 18-65 Years , and you are a Salaried or Self-Employed applicant , and you meet other basic requirements, you can apply for the Amazon Pay ICICI Credit Card by following the steps below.
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Click Apply Now
Click the apply button below to visit the official application page. The process is secure, fully online, and can be completed in just a few minutes.
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Fill Application Form
Enter your personal, employment, and income details accurately as per your official documents.
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Submit Documents
Upload PAN, Aadhaar, address proof, and income proof if requested during the application.
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Approval & Delivery
Once approved, your credit card will be dispatched and delivered to your registered address.
Pros & Cons
Pros
- Best card for Amazon Prime users.
- No any upper cashback limit.
- 1% Fuel surcharge waiver also.
- Lifetime free card.
Cons
- not good for non-amazon spending (1% only).
- No lounge access.
- Excludes fuel, EMI, rent, gold from cashback.
Our Verdict
The Amazon ICICI Card is a great option for Amazon Prime members who always buy in large amounts. In that case, this card can give the best value as a cashback of 5% because most cards has maximum limit cap on cashback, where this cards win with no limit at all, apart from it gives 3% cashback for non-prime members.
Now, if you want to use your card at other places also and want to get benefits from that also, then other cashback cards can suit you, like the SBI cashback card that has a maximum limit of ₹5,000 cashback / Month but gives cashback on all spending, including on amazon with other benefits also.
But, with lifetime free access, this can be a good option for both types of people who just want a card without any fee and save on amazon and for those who also shop on Amazon extensively.
