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ICICI Amazon Pay Credit Card

Quick answer

ICICI Amazon Pay Credit Card at a glance: The ICICI Amazon Pay Credit Card from ICICI Bank is an entry-level credit card aimed at online-shopping, amazon and lifetime-free spenders, offering 5% back for Prime on Amazon; 3% for non-Prime rewards and no annual fee. Eligibility floor: minimum income ₹20,000 per annum. Compare it against the ICICI Times Black Credit Card if you want a lower-fee alternative from the same issuer. See the FAQ below for fees, lounge access, and milestone bonuses.

Key terms

Credit-card jargon made simple

APR
Annual Percentage Rate — the yearly cost of borrowing on a credit card, including interest and most fees, expressed as a percentage. APRs on Indian credit cards generally range from 30% to 48% per annum.
Reward rate
The number of reward points or cashback you earn per rupee spent. Hover over the rate on any card to see the category split — most cards pay a higher rate on accelerated categories (travel, dining, fuel) and a floor rate on everything else.
Fuel surcharge
The 1% (or higher) transaction fee that oil marketing companies charge on fuel purchases. Most credit cards waive this surcharge between ₹400 and ₹5,000 per transaction — the saving is typically credited as a monthly statement credit.
Credit limit
The maximum outstanding balance the issuer will let you carry on the card. The limit is set at issuance based on declared income and credit score, then reviewed every 6–12 months. Keeping utilisation below 30% of the limit is the single biggest factor in credit-score improvements.
EMI
Equated Monthly Instalment — converting a large purchase into fixed monthly payments over 3–24 months. EMI on a credit card carries interest separate from the headline APR; budget apps often treat EMI as a separate liability.
Add-on card
A supplementary card issued against the primary cardholder's account. Spent on the add-on card flows to the primary holder's bill and reward pool; the add-on holder has no independent credit exposure.
Billing cycle
The roughly 30-day window between two consecutive statement dates. Purchases, refunds, and finance-charge calculations all reset at the cycle close. The 'bill generation date' is when the statement is finalised; you usually have 20 days after that to pay without interest.
Welcome benefit
A first-cycle perk the issuer credits after the first transaction or first spend milestone — typically bonus reward points, a cashback credit, or a complimentary lounge visit. Welcome benefits are nearly always conditional on meeting a minimum spend within the welcome window (usually 30–90 days).
Milestone benefit
An annual perk unlocked when total card spend crosses a threshold — e.g. ₹1 lakh spend unlocks a free lounge visit, ₹5 lakh unlocks a higher reward multiplier. The benefits reset every card-anniversary year.
TAT
Turn-Around Time — how long the issuer takes to deliver a decision (T+1 for instant approval cards, 7–21 days for premium cards requiring manual underwriting). TAT is also used to describe dispute resolution timelines.
T&C
Terms and Conditions — the contractual document governing every benefit on the card. Most reward caps, lounge limits, fuel-surcharge waivers, and milestone thresholds are spelled out in the T&C; the issuer can change them with 30 days' notice.
Finance charge
The interest the issuer charges when you carry a balance past the interest-free period. Finance charge is computed daily on the outstanding amount and compounds; paying the statement balance in full every month is the only way to avoid it.
GST on fees
18% Goods and Services Tax applied on joining, annual, renewal, and most penalty fees — and on finance charges. The fee figures you see on issuer rate cards and on FinWiz24 are usually 'exclusive of GST'; check the fee schedule before comparing across cards.

TL;DR

ICICI Amazon Pay Credit Card at a glance

  • Annual fee: Lifetime free (no joining or renewal fee)
  • Reward rate: 5% back for Prime on Amazon; 3% for non-Prime
  • Best for: online-shopping, amazon, lifetime-free
  • Minimum income: ₹2,50,000 / month
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ICICI Amazon Pay Credit Card
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ICICI Amazon Pay Credit Card

Read the ICICI Amazon Pay Credit Card definition in our glossary.

ICICI BankOfficial Website

Lifetime free. 5% back for Prime on Amazon; 3% for non-Prime — Best for online-shopping · amazon · lifetime-free.

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ICICI Amazon Pay Credit Card vs ICICI Times Black Credit Card →ICICI Amazon Pay Credit Card vs ICICI Bank Tata Neu Credit Card →ICICI Amazon Pay Credit Card vs ICICI Bank Rubyx Credit Card →

Card Snapshot

Joining Fee

₹0

Annual Fee

Free

Reward Rate

5% back for Prime on Amazon; 3% for non-Prime

Minimum Income

₹2,50,000/mo

Lifetime free — no annual or renewal feeComplimentary airport lounge accessReward structure: 5% back for Prime on Amazon; 3% for non-PrimeNo built-in travel insurance cover

About

Co-branded with Amazon Pay

Card Benefits

Lounge Access2 benefits

Best For

online-shopping
amazon
lifetime-free

Categories

Lifetime Free Cards
Online Shopping Cards
Amazon Co-branded Cards

International Usage

Foreign exchange, lounges & network

Forex Markup

3.50

Lounge Access

None

None

Network

American Express

Accepted at millions of merchants worldwide

How to apply

How to apply for ICICI Amazon Pay Credit Card

  1. Check eligibility

    Confirm you meet the minimum income and credit score requirements using our eligibility checker.

  2. Gather your documents

    Keep PAN, Aadhaar / address proof, income proof, and a passport-size photo ready.

  3. Apply on the bank's website

    Click Apply Now. You'll be redirected to ICICI Bank to complete the application — FinWiz24 never sees your data.

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