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How to Apply for the Amazon Pay ICICI Card via the Amazon App in 2026

Darshil Chauhan's profile photo Darshil Chauhan
4 min read
Reviewed by Jay Dodiya Last reviewed 5 September 2026 Data verified 5 September 2026

The Amazon Pay ICICI Credit Card is the easiest credit card to apply for in India. The entire application runs through the Amazon app, takes 3 minutes, and approval is instant for most applicants. The card is co-branded with ICICI Bank and Amazon, which means the underwriting is shared between the two — making the eligibility criteria more lenient than traditional ICICI cards.

Why this matters

The Amazon Pay ICICI card is the best first card for first-time credit card users in India. The application requires no ICICI Bank account, no income proof for most applicants, and no physical documents. The card is lifetime-free and offers 5% cashback for Prime members, which is the highest in the no-fee segment.

How to Apply for the Amazon Pay ICICI Card via the Amazon App in 2026

How to apply Total time: 3 min · You’ll need: Amazon app, Amazon account, PAN, Aadhaar, mobile

Apply for the Amazon Pay ICICI Credit Card in 3 minutes via the Amazon app. Step-by-step walkthrough with screenshots and approval tips.

  1. Open the Amazon app and sign in — Open the Amazon app and sign in to your Amazon account. The application requires an active Amazon account with a verified mobile number and email. If you do not have an Amazon account, create one before applying.
  2. Navigate to the credit card page — Go to Amazon Pay → Credit Cards → Amazon Pay ICICI Card. The page has an Apply Now button and a benefits calculator. Read the benefits carefully before applying.
  3. Check your eligibility — Tap Check Eligibility. The app will ask for your mobile number, PAN, and date of birth. Amazon and ICICI run a soft inquiry on your CIBIL and check internal data. Eligibility is decided within 30 seconds.
  4. Authorise Aadhaar eKYC — Tap Authorise. The app will redirect to a UIDAI page where you enter your 12-digit Aadhaar. Authorise and enter the OTP sent to your Aadhaar-linked mobile. eKYC completes within 60 seconds.
  5. Fill the application form — Complete the form with your full name (must match PAN), residential address, employment type, employer name, monthly income, and work email. The form is pre-filled with data from your Amazon profile.
  6. Submit income documents (if asked) — For incomes below ₹20,000/month, you may be asked to upload 2 years’ ITR. Most applicants are exempted because the card is treated as a low-risk entry-level product.
  7. Get instant approval and a virtual card — Approval is granted within 60 seconds for clean profiles. A virtual card number is generated immediately and added to your Amazon Pay wallet. The virtual card can be used for Amazon purchases right away.
  8. Receive the physical card and activate — The physical card is delivered within 5–7 days. Activate it through the ICICI iMobile Pay app, by calling the helpline, or at any ICICI ATM. The physical card works for offline and online purchases outside Amazon.

Common mistakes to avoid

The most common mistake is not having an Amazon Prime membership — non-Prime members earn only 3% instead of 5% on Amazon. The second is using the card for fuel, EMI, or cash advances — these earn 0% cashback. The third is not setting up auto-pay, which can result in late fees and a CIBIL score drop.

Pro tips

  • Buy Amazon Prime to unlock 5% cashback on Amazon
  • Use the card for Amazon Pay bill payments to earn 2% on utilities
  • Pair with the Amazon Pay UPI handle for UPI spends above ₹500
  • Set up auto-pay for the full statement balance in iMobile Pay

Frequently asked questions

Is the Amazon Pay ICICI card lifetime free?

Yes. There is no joining fee, no annual fee, and no fee waiver target. The card is free for life.

How long does approval take?

Approval is instant for clean profiles (under 60 seconds). For profiles that need manual review, approval takes 3–5 working days.

Can I apply without an Amazon Prime membership?

Yes. The card is open to all Amazon users. Non-Prime members earn 3% on Amazon, Prime members earn 5%.

Disclosure: FinWiz24 may earn a commission when you apply through links on this page. This does not influence our editorial independence — every card is scored against the same rubric.

Sources

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