Route spending through ICICI KFS and product-page snippets: 5 reward points / ₹100 (5%) for Amazon Prime members.
Earn 5.0× here — 5.0% back vs the base rate. Zero-effort multiplier if the card fits your habits.
Lifetime-free · Cashback
ICICI BANK · ICICI AMAZON PAY CREDIT CARD
ICICI Amazon Pay Credit Card
ANNUAL FEE
Free
FIRST-YEAR NET VALUE
₹32,400 for a mid spender · travel
ICICI BANK
Updated 17 Sep 2026 5 verified sources Data is current
01 ELIGIBILITY
Can I get this card?
Meet these thresholds and you're likely to be approved. Final call is ICICI Bank's.
MONTHLY INCOME Check with bank Issuer-dependent
CREDIT SCORE 650+ Good band
AGE 21 – 65 Primary or add-on applicant
RESIDENCY Indian PAN, Aadhaar + income proof
02 FIT
Is this card for me?
We've modeled this card's value for a default urban spender. Tweak the persona to see how it shifts — or personalize with your real spends.
DEFAULT PERSONA · MID SPENDER · TRAVEL
₹32,400 first-year net value · mid spender · travel
Category rewards ₹32,400
Net first-year value ₹32,400
03 EARN
What will I earn?
Base rate, accelerated categories, milestones, and what each reward point is actually worth when you redeem.
BASE REWARD RATE
≈ 1.00% back on eligible spends 1.0 pts per ₹150
NOT ELIGIBLE Fuel · rent · wallets · utility · government
ACCELERATED CATEGORIES Up to 5.0% back
ICICI KFS and product-page snippets: 5 reward points / ₹100 (5%) for Amazon Prime members · 5.0%
ICICI KFS and product-page snippets: 3 reward points / ₹100 (3%) for non-Prime members · 3.0%
ICICI KFS and product-page snippets: 2 reward points / ₹100 (2%) on Amazon Pay partner merchants · 2.0%
Everything else (base) · 1.0%
04 MAXIMIZE · YOUR EDGE
How do I extract every rupee?
Plays grounded in this card's specific levers. Updated each time ICICI Bank tweaks the program.
Don't sleep on ICICI KFS and product-page snippets: 3 reward points / ₹100 (3%) for non-Prime members.
The second tier earns 3.0× (3.0% back). Often overlooked next to the headline category but compounds if you route consistently.
05 COSTS
What will I pay?
Fees, transaction charges, interest rates — all inclusive of taxes where noted.
FEES
Charges below are base amounts; GST applies where applicable.
Add-on cards Up to 3 free
TRANSACTION CHARGES
Foreign currency markup 2.0% · lowest in class
Finance charges (purchase) 3.49% per month · ~42% APR
Late payment ₹100 – ₹1,300 · based on outstanding
06 BENEFITS
What else comes with it?
Non-reward perks — lounges, dining, golf, insurance, concierge. Worth factoring into the total value, even when hard to price.
Travel cover
Air accident cover, lost-card liability, emergency card replacement abroad.
07 FAQ
Common questions
For a spender who hits the ₹4L waiver, yes — the net value is positive. For a casual spender, the math gets tight and a lower-tier card may fit better. See the Fit section above.
08 WHAT CHANGED
How ICICI Amazon Pay Credit Card has changed.
Last verified 17 Sep 2026.
- 17 Sep 2026 Forex markup corrected from 3.5% to 1.99% per the product page. Lifetime free, 5% Amazon (Prime) / 3% (non-Prime) / 2% Amazon Pay partners / 1% elsewhere, no caps, re-verified. Card scores materially better on international spend
- 1 Dec 2024 Updated welcome benefits - Amazon Prime voucher worth ₹500 Previous customers received 3-month Prime membership, new customers get ₹500 voucher
- 2024 Added 3-month Swiggy One membership in welcome benefits Enhanced value proposition for new cardholders
HOW WE KEEP THIS CURRENT
Last verified 17 Sep 2026. Sources: ICICI Bank Amazon Pay Credit Card product page, ICICI Bank Amazon Pay Credit Card fees and charges page, ICICI Bank Credit Card KFS PDF, ICICI Bank Amazon Pay Credit Card eligibility page, icicibank.com. Next scheduled review: 17 Mar 2027.