Amazon Pay ICICI credit card review: fees, rewards and eligibility
The Amazon Pay ICICI has a recorded annual fee of ₹0 and a base earn of 1% in Amazon Pay balance. CardMasters checked its issuer terms on 2026-07-16. Affiliate commission never changes ranking; confirm final terms and approval with ICICI Bank.
Amazon Pay ICICI: short answer
The Amazon Pay ICICI is in the entry tier of ICICI Bank credit cards, with a joining fee of ₹0, an annual fee of ₹0, a base earn of 1% in Amazon Pay balance and a 1.99% forex markup. Rewards are not earned on fuel, rent, gift cards, wallet load. It suits amazon, cashback, first card spending; whether it beats a card you already hold depends on your own spend mix and redemption choices.
Source: CardMasters issuer-evidence catalogue, release 2026-07-16. Confirm final terms with the issuer.
Reward structure
1% base rewards in Amazon Pay balance.
- 5 points per ₹100 on Amazon (Prime members)
- 3 points per ₹100 on Amazon (non-Prime)
- 2 points per ₹100 on Amazon Pay partner merchants
Eligibility and important limits
published monthly income floor ₹25,000 Approval remains solely at the issuer’s discretion.
Does not earn: fuel, rent, gift cards, wallet load.
Important limit: 15 January 2026: 1% fee introduced on wallet-load transactions of ₹5,000 or more
Frequently asked questions
What is the annual fee for the Amazon Pay ICICI?
The Amazon Pay ICICI currently has no annual fee in our record. Lifetime free.
How do rewards work on the Amazon Pay ICICI?
1% base rewards in Amazon Pay balance. Accelerated routes include 5 points per ₹100 on Amazon (Prime members); 3 points per ₹100 on Amazon (non-Prime); 2 points per ₹100 on Amazon Pay partner merchants. Reward value depends on the eligible transaction route and redemption method.
Which transactions do not earn rewards on the Amazon Pay ICICI?
The current issuer-sourced exclusions recorded by CardMasters include fuel, rent, gift cards, wallet load. Merchant category coding and issuer terms determine final eligibility.
Who should consider the Amazon Pay ICICI?
It is most relevant for people focused on amazon, cashback, first card, lifetime free. Whether it improves your wallet still depends on your actual spending, existing cards, fees and redemption choices.
Is the Amazon Pay ICICI worth it?
With no recorded annual fee, the Amazon Pay ICICI costs nothing to hold, so it is worth keeping if it adds a reward category or benefit your existing cards do not cover. A free card is still not worth using where another card in your wallet earns more.
What is the eligibility for the Amazon Pay ICICI?
The published monthly income floor is ₹25,000. Approval, credit limit and final pricing are decided solely by the issuer.
What is the forex markup on the Amazon Pay ICICI?
The recorded foreign-currency markup is 1.99% before GST. On ₹1,00,000 of international spend that is about ₹1,990 in markup, so compare it against any rewards earned on overseas transactions.
Does the Amazon Pay ICICI offer airport lounge access?
Domestic lounge access: none. International lounge access: none. Spend conditions and guest charges are set by the issuer and can change.