ICICI Bank
Amazon Pay ICICI Bank Credit Card
LIFETIME FREE Card
This is an invite only card
Top Benefits
Get Up To 5% Rewards on Amazon purchases
with unlimited reward points and no capping across spends
1.99% Forex Mark-Up Rate
Lower Forex Markup on international spends
Best For
Shopping
The Amazon Pay ICICI Bank Credit Card is one of the most rewarding lifetime free credit cards available...
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The Amazon Pay ICICI Bank Credit Card is one of the most rewarding lifetime free credit cards available...
The Amazon Pay ICICI Bank Credit Card is one of the most rewarding lifetime free credit cards available today. Built specifically for people who shop frequently on Amazon, this card offers a straight 5% reward rate for Amazon Prime members. You do not have to worry about monthly caps, complex point conversions, or expiring rewards. Every point you earn equals exactly Rs. 1, and the bank adjusts your earnings directly against your monthly credit card statement.
If you prefer a simple, straightforward cashback structure, this card delivers. It cuts out the typical hassle of logging into a rewards portal to claim your points. While it misses out on premium perks like airport lounge access and free movie tickets, the zero annual fee makes it a perfect everyday spending tool for online shoppers. Whether you buy groceries, electronics, or book flights on Amazon, you earn solid value back on almost every transaction.
View FAQ
Commonly Asked Questions
Is the Amazon Pay ICICI Bank Credit Card lifetime free?
Yes, this card comes with absolutely zero joining fees and zero annual fees. You can keep and use it for a lifetime without worrying about yearly renewal charges.
Who should apply for this credit card?
This card is ideal for regular Amazon shoppers, especially those with an active Prime membership. If you spend around Rs. 10,000 a month on Amazon, you will easily earn Rs. 500 in statement credit effortlessly.
Do I need an Amazon Prime membership to get this card?
No, you do not need a Prime membership to apply. However, Non-Prime members earn a lower reward rate of 3% on their Amazon purchases compared to the 5% offered to Prime members.
Is this a good card for building credit?
Yes, because it is a lifetime free card, you can hold onto it for years without paying maintenance fees. Keeping an old card active helps lengthen your credit history and improve your overall credit score.
Expert Review
As a credit card expert, I view the Amazon Pay ICICI Bank Credit Card as an absolute necessity for anyone firmly planted in the Amazon ecosystem. The math is undeniable. If you are a Prime member spending Rs. 10,000 a month on Amazon, you are leaving Rs. 6,000 a year on the table by not using this card. The zero joining and annual fees make it a risk-free addition to your wallet.
However, the card is not without its flaws. My main criticism is its absolute lack of lifestyle perks. The 3.5% forex markup makes it a terrible companion for international travel, and the absence of airport lounge access puts it behind entry-level cards from competing banks. But if you treat this strictly as a dedicated online shopping tool rather than a comprehensive travel or lifestyle card, it provides unbeatable, zero-effort value.
Joining/Annual Fee
Joining Fees
₹0 ( ₹0 + GST )
Annual Fees
₹0 ( ₹0 + GST )
One of the strongest selling points of the Amazon Pay ICICI Bank Credit Card is its completely free fee...
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One of the strongest selling points of the Amazon Pay ICICI Bank Credit Card is its completely free fee...
One of the strongest selling points of the Amazon Pay ICICI Bank Credit Card is its completely free fee structure. This is a true lifetime free credit card. You pay Rs. 0 as a joining fee when the card is issued to you. You do not have to worry about offset offers or welcome bonuses to recover your initial costs because there are none.
Furthermore, the bank charges Rs. 0 as an annual fee or renewal fee. From the second year onwards, you keep the card for free. Since there is no annual fee, there is also no complicated spending threshold you have to hit to secure a fee waiver. You can spend Rs. 50,000 a year or Rs. 500 a year, and the card remains completely free to hold.
View FAQ
Commonly Asked Questions
How much is the one-time joining fee?
The joining fee for this card is strictly Rs. 0. You do not pay any upfront costs to get the card activated.
What is the yearly renewal fee?
The annual fee is Rs. 0. The bank does not charge any yearly maintenance or renewal fees.
Do I need to spend a certain amount to keep it free?
No, there are no annual spending milestones you have to meet. The card is lifetime free regardless of how much or how little you spend.
Are there any hidden charges if I do not use the card?
There are no hidden inactivity fees. As per RBI guidelines, the bank will close accounts that remain completely inactive for a period of 12 months.
Does the zero fee policy apply to add-on cards too?
You can obtain up to 3 add-on cards for your family members completely free of charge. These add-on cards share the lifetime free status of the primary card.
Can the bank change this to a paid card later?
While banks reserve the right to change terms, lifetime free cards remain free for existing users. The bank will notify you well in advance if any fee structure changes occur.
Is there a welcome bonus when I join?
This card does not offer any specific welcome benefits in its core features, mostly because it does not charge a joining fee in the first place.
Do I get any free Amazon Prime subscription when I join?
No, the card itself does not grant a free Prime membership. You must purchase Prime separately to earn the higher 5% reward rate.
Eligibility
Age
Criteria*
21-65 years
Salary
Criteria*
2.4LPA
Credit
Rating*
725+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
Yes
Getting approved for the Amazon Pay ICICI Bank Credit Card requires meeting some specific age, income, ...
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Getting approved for the Amazon Pay ICICI Bank Credit Card requires meeting some specific age, income, ...
Getting approved for the Amazon Pay ICICI Bank Credit Card requires meeting some specific age, income, and credit score thresholds. The bank has kept these requirements fairly accessible to encourage a wide variety of shoppers to apply.
First, the primary applicant must be at least 21 years old and no older than 65 years at the time of application. You must also have a solid credit history. The bank strictly requires a CRIF credit score of 725 or above. If your score dips below this number, your chances of approval drop significantly.
Income requirements vary based on how you make your money. If you are a salaried employee, you need a minimum annual income of Rs. 2.4 Lakh. This breaks down to just Rs. 20,000 per month. If you are self-employed or run your own business, the bank expects a slightly higher minimum annual income of Rs. 3.6 Lakh, which translates to Rs. 30,000 per month. Both employment types are welcome to apply as long as they meet these financial baselines.
View FAQ
Commonly Asked Questions
What is the minimum age required to apply?
Applicants must be at least 21 years old at the time of applying for this credit card.
What is the maximum age limit for this card?
The maximum age limit allowed by the bank is 65 years old at the time of the application.
What is the minimum monthly salary needed for approval?
Salaried individuals must earn an annual income of Rs. 2.4 Lakh. This means your take-home pay should be at least Rs. 20,000 every month.
I run my own business. What is the income requirement for me?
Self-employed applicants need a minimum annual income of Rs. 3.6 Lakh. You should be able to show a steady income of about Rs. 30,000 per month through your tax returns.
What credit score do I need for this card?
The bank requires a minimum CRIF score of 725. Having a score at or above this level is mandatory to meet the bank eligibility criteria.
Will I get rejected if my score is exactly 725?
A score of 725 meets the minimum requirement, but approval also depends on your income, ongoing loans, and overall credit profile.
Can a student apply for this credit card?
Students can only apply if they are at least 21 years old and have a steady income that meets the minimum requirement of Rs. 2.4 Lakh per year.
Do I need an existing ICICI Bank account to get approved?
You do not need an existing ICICI Bank account to apply, though having a banking relationship facilitates a faster approval process.
All Card Benefits
- 5% unlimited cashback on Amazon purchases for Prime members with no capping
- 3% unlimited cashback on Amazon purchases for non-Prime members with no capping
- 2% cashback on spends at 100+ partner merchants with no capping
- 1% unlimited cashback on all other spends with no capping
- Reward points earned on every ₹100 spent and credited as Amazon Pay balance for easy redemption
Cashback and Reward Points Structure
The reward structure on this card is highly rewarding for digit...
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Cashback and Reward Points Structure The reward structure on this card is highly rewarding for digit...
Cashback and Reward Points Structure
The reward structure on this card is highly rewarding for digital shoppers. Your earning rate depends automatically on your Amazon Prime membership status. Amazon Prime members earn a massive 5% back in reward points on Amazon India purchases. If you do not have a Prime membership, you still earn a very respectable 3% back on the exact same purchases.
The benefits extend beyond the Amazon ecosystem. When you use Amazon Pay to check out at partner websites or apps, you earn 2% back. For all other everyday spending, like dining out, buying clothes at a mall, or paying at the local supermarket, you earn a flat 1% back.
For example, if you are a Prime member and you buy a new smartphone for Rs. 40,000 on Amazon, you earn 2,000 reward points. Since 1 point equals Rs. 1, that is Rs. 2,000 effectively saved on a single purchase. The best part is that these points never expire, and they are adjusted automatically against your monthly credit card bill.
Travel Booking Benefits
While this card does not offer airport lounge access, it still provides great value for booking trips. When you book flights and hotels directly through Amazon, you earn accelerated rewards. Just like shopping, Prime members earn 5% back on these travel bookings, while Non-Prime members earn 3% back.
Let's look at a practical scenario. If you book a round-trip family flight for Rs. 30,000 via Amazon as a Prime member, you immediately secure 1,500 reward points. That is Rs. 1,500 back in your pocket just for using the right card on the right platform.
Fuel Surcharge Waiver
Commuting can get expensive, but this card offers a small break at the pump. You get a 1% fuel surcharge waiver on all your fuel purchases across India. Keep in mind that while the surcharge is waived, fuel transactions themselves are excluded from earning the regular 1% reward points.
If you spend Rs. 4,000 on petrol in a month, the 1% surcharge usually adds Rs. 40 to your bill. This card waives that Rs. 40 fee entirely, making your fuel stops just a little bit cheaper.
View FAQ
Commonly Asked Questions
What is the standard reward rate for Prime members?
Prime members earn 5 reward points for every Rs. 100 spent on Amazon. This equals a clean 5% cashback rate on your online shopping.
What is the reward rate for Non-Prime members?
Non-Prime members earn 3 reward points per Rs. 100 spent on Amazon. If you buy a Rs. 10,000 appliance, you will earn Rs. 300 back.
How much do I earn on other websites?
When you use the login and pay with Amazon feature on partner sites, you earn 2% back. All other regular offline and online spends earn a standard 1% reward rate.
What is the value of one reward point?
Every 1 reward point holds exactly Rs. 1 in value. This 1 to 1 ratio makes calculating your savings incredibly simple.
Do I earn rewards on international transactions?
No, international spends and international transactions are strictly excluded from earning any reward points on this card.
Are utility bills eligible for rewards?
No, utility payments such as electricity, water, and gas bills do not earn any reward points as per the bank exclusion list.
Will I earn points when I pay my rent?
Rent payments are entirely excluded. If you pay Rs. 15,000 for rent using this card, you will earn zero points on that transaction.
Is there a monthly cap on how much cashback I can earn?
There is no upper limit or monthly cap on the cashback you can earn through Amazon purchases and partner spends. You earn rewards on every eligible rupee spent without a maximum threshold.
Do these reward points expire after a certain period?
No, the reward points you earn on this credit card are non-expiring. You do not have to worry about losing your accumulated value.
How do I upgrade my card if I buy a Prime membership later?
The system updates automatically based on the mobile number linked to your Amazon account. Once you buy Prime, your card will start earning 5% instead of 3% automatically.
Do I earn 5% on MakeMyTrip or Cleartrip?
No, you only earn the accelerated 5% or 3% rate when you book your flights and hotels directly through the Amazon travel portal. Bookings on other sites earn the standard 1% rate.
What happens if I cancel my flight booking?
If you cancel a booking and receive a refund, the bank will automatically reverse the reward points you earned on that specific transaction.
Does this card give me free airport lounge access?
No, this card does not offer any airport lounge benefits. If you need lounge access, you should consider a dedicated travel credit card instead.
Do I get complimentary travel insurance?
This card does not offer any insurance benefits, including travel or accident coverage. You must purchase independent insurance plans for coverage during your travels.
What is the fuel surcharge waiver on this card?
You receive a 1% fuel surcharge waiver on all fuel purchases made using this credit card at any petrol pump in India.
Do I earn regular reward points when buying petrol?
No, fuel spends are completely excluded from earning any reward points. You only get the 1% surcharge waiver.
Is there a minimum or maximum transaction amount for the waiver?
The 1% waiver applies to fuel transactions ranging from Rs. 400 to Rs. 4,000. Surcharges for amounts outside this range are charged at standard rates.
Does the waiver apply to all fuel stations?
Yes, the waiver applies to all authorized fuel stations across the country regardless of the brand.
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
N/A
Redemption Options
This is a cashback card, and the earned cashback is adjusted directly in your monthly statement.
To check redemption catalogue
N/A
The redemption process on the Amazon Pay ICICI Bank Credit Card is arguably its best feature. You do no...
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The redemption process on the Amazon Pay ICICI Bank Credit Card is arguably its best feature. You do no...
The redemption process on the Amazon Pay ICICI Bank Credit Card is arguably its best feature. You do not have to do anything at all. This is a pure cashback card where all your earnings are adjusted against your monthly statement automatically.
Every single reward point you earn holds a value of Rs. 1. At the end of your billing cycle, the bank calculates your total accumulated points and applies them as a credit to your account. For example, if your total credit card bill is Rs. 15,000 and you earned 500 reward points that month, your points reduce your payable balance by Rs. 500. You will only need to pay Rs. 14,500. While the system is fully automated, do note that the bank data lists a reward redemption fee of Rs. 100.
View FAQ
Commonly Asked Questions
How do I manually redeem my points?
You do not need to redeem them manually. The cashback is automatically adjusted against your monthly credit card statement by the bank.
What is the rupee value of my reward points?
1 Reward Point equals exactly Rs. 1. If you have 1,200 points, you have Rs. 1,200 in real money value.
Is there a fee for redeeming my points?
Yes, a reward redemption fee of Rs. 100 plus applicable GST applies. This fee is automatically deducted from your statement balance during the credit adjustment process.
Can I use these points to buy a gift voucher instead?
No, this card does not offer a traditional rewards catalogue. All points are strictly converted to statement credit or Amazon Pay balance.
Is there a minimum number of points I need before they are credited?
All points earned during a billing cycle are credited to your account regardless of the amount. There is no minimum threshold required for the automatic credit to trigger.
Will my points expire if I don't use the card for a few months?
No, the reward points on this card are non-expiring. Since they are auto-adjusted anyway, you never have to worry about an expiry date.
What happens to my cashback if I return an item?
When the merchant processes your refund, the bank will automatically reverse the reward points you originally earned on that specific purchase.
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Physical and Digital Gold
EMI Transactions
Purchases converted to EMI post-facto
Rent Payments
Tax Payments
Education Payments
Amazon Business Transactions
Amazon.in/Business Purchases
Fuel Spends
Utilities
International Spends
International Transactions
For Spends Waiver
Physical and Digital Gold
EMI Transactions
Purchases converted to EMI post-facto
Rent Payments
Tax Payments
Education Payments
Amazon Business Transactions
Amazon.in/Business Purchases
Fuel Spends
Utilities
International Spends
International Transactions
While the card is incredibly generous on Amazon, the bank has a strict list of transactions that will e...
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While the card is incredibly generous on Amazon, the bank has a strict list of transactions that will e...
While the card is incredibly generous on Amazon, the bank has a strict list of transactions that will earn you absolutely zero reward points. You need to be aware of these exclusions so you do not use the card expecting 1% back when you will actually get nothing.
The card excludes spends on Physical and Digital Gold, EMI Transactions, and any purchases you convert to an EMI after buying. Routine financial obligations like Rent Payments, Tax Payments, Education Payments, and Utility bills are also fully excluded. If you spend Rs. 20,000 on school fees, you earn 0 points.
Furthermore, Amazon Business Transactions and Amazon.in/Business Purchases do not qualify for rewards. Fuel spends give you a surcharge waiver but no points. Finally, all International Spends and International Transactions are excluded. If you buy a software subscription for $50 USD, you will earn no points and will actually pay a markup fee instead.
View FAQ
Commonly Asked Questions
Will I earn rewards if I buy digital gold on Amazon?
No, purchases of both physical and digital gold are strictly excluded from earning any reward points.
Do I get cashback if I convert my Amazon purchase into an EMI?
No. Any EMI transactions, including purchases you convert to EMI post-facto, will not earn any reward points.
Can I earn points by paying my electricity bill?
No, all utility payments are on the bank's exclusion list and will not generate any cashback.
Are rent payments eligible for the 1% reward rate?
Rent payments are entirely excluded. You will not earn any rewards, and you will also be charged a 1% processing fee for the transaction.
Do international transactions earn the standard 1% rate?
No, international spends and transactions in foreign currencies do not earn any reward points on this card.
Can I use this card for my Amazon Business account to get 5% back?
No, Amazon Business Transactions and Amazon.in/Business Purchases are specifically excluded from the rewards program.
Do income tax payments earn rewards?
No, all tax payments to the government are excluded from earning any reward points.
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  3.5% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. | 3.50% |
APR Fees The Annual Percentage Rate (APR) on purchases, cash advances, and outstanding balances is 3.75% per month, which is equivalent to 45% per annum | 3.75% |
ATM withdrawal 2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable). | 2.50% |
Reward Redemption Fees No fee is charged when redeeming reward points on this card. | Not Applicable |
Link for all T&Cs | Click Here |
Railway Surcharge Surcharge on booking or cancelling railway tickets will be levied as prescribed by IRCTC or Indian Railways and may vary based on their applicable charges. | As prescribed by IRCTC / Indian Railways |
Rent Payment Fees 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges | 1% |
cheque Payment Fees A fee of 2% of the payment amount is levied for cheque return, cheque dishonour, or auto-debit reversal | 2% |
Cash Payment Fees ₹100 cash payment fee per deposit. | ₹100 |
| Late Payment Fees | Amount Due |
|---|---|
| ≤ ₹100 | ₹0 |
| ₹101–₹500 | ₹100 |
| ₹501–₹1,000 | ₹500 |
| ₹1,001–₹5,000 | ₹600 |
| ₹5,001–₹10,000 | ₹750 |
| ₹10,001–₹25,000 | ₹900 |
| ₹25,001–₹50,000 | ₹1,100 |
| > ₹50,000 | ₹1,300 |
Understanding the fee structure of the Amazon Pay ICICI Bank Credit Card is easy because the bank has w...
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Understanding the fee structure of the Amazon Pay ICICI Bank Credit Card is easy because the bank has w...
Understanding the fee structure of the Amazon Pay ICICI Bank Credit Card is easy because the bank has waived the most common charges. However, penalties for late payments and interest on revolving debt can still hit you hard if you do not clear your bills on time.
The Joining Fee is completely waived. You pay Rs. 0 when the bank issues the card to you. Because there is no initial charge, there is no need to worry about spending a certain amount just to recover your costs.
The Annual Fee or Renewal Fee is also Rs. 0. This is a lifetime free card, meaning you will never be hit with a yearly maintenance charge. You do not have to calculate monthly spends to achieve a fee waiver, as the fee simply does not exist.
The Interest Rate (APR) is a steep 3.83% monthly fee. If you spend Rs. 10,000 and fail to pay the total amount by the due date, the bank will charge you approximately Rs. 383 in interest for that single month. Over a year, this compounds to roughly 46%, making revolving debt incredibly expensive.
Late payment charges are determined by your outstanding balance, ranging from Rs. 100 for balances under Rs. 500 up to Rs. 1,200 for balances over Rs. 50,000. These fees apply immediately when you miss the payment deadline.
The Forex Markup Fee is 3.5%. If you travel abroad or buy from an international website and spend the equivalent of Rs. 10,000 in US Dollars, the bank will add a Rs. 350 fee to your statement just for processing the currency conversion.
The ATM Cash Withdrawal Fee is 2.5% of the withdrawn amount, subject to a minimum of Rs. 500. If you withdraw Rs. 10,000 in an emergency from an ATM, you will instantly be charged Rs. 250 in fees, plus interest begins accruing from day one.
A convenience fee of 1% plus GST applies to all rent payment transactions made through third-party applications. This fee is added to your statement at the time of the transaction.
Railway bookings via the IRCTC website incur a transaction surcharge of 1.8% for internet bookings and 2.5% for counter bookings. This is a standard payment gateway fee applicable to all cardholders.
If you pay your credit card bill using physical cash at an ICICI Bank branch, a processing fee of Rs. 100 applies per transaction. This fee is charged for the manual handling of the payment.
If a cheque used for bill payment is returned for any reason, a cheque return fee of Rs. 500 applies. This is in addition to any charges levied by your own bank for the bounced cheque.
The Reward Redemption Fee is Rs. 100. While points are adjusted automatically against your statement, the bank data specifies this fee. If you earn Rs. 500 in cashback, the bank may deduct Rs. 100 as a processing fee, reducing your net gain to Rs. 400.
| Fee Type | Amount / Rate |
|---|---|
| Joining Fee | Rs. 0 |
| Annual Fee | Rs. 0 |
| Interest Rate (APR) | 3.83% per month (~46% annually) |
| Late Payment Charges | Rs. 100 to Rs. 1,200 (based on balance) |
| Forex Markup Fee | 3.5% |
| ATM Withdrawal Fee | 2.5% (Min. Rs. 500) |
| Rent Payment Fee | 1% of transaction amount |
| Railway Surcharge | 1.8% to 2.5% |
| Cash Payment Fee | Rs. 100 |
| Cheque Payment Fee | Rs. 500 |
| Reward Redemption Fee | Rs. 100 |
View FAQ
Commonly Asked Questions
Are there any joining fees for this card?
No, the joining fee is Rs. 0. You do not pay anything to acquire the card initially.
What is the annual or renewal fee?
The annual fee is Rs. 0. The card remains free for life without any yearly charges.
Is there an annual fee waiver based on spending?
Since the annual fee is zero, there is no need to meet any spending thresholds to secure a waiver.
What is the interest rate if I don't pay my full balance?
The bank charges a monthly interest rate of 3.83%. This translates to a massive 46% annual interest rate on your unpaid balance.
How is the interest calculated on outstanding balances?
You get a 20 to 55 day interest-free period. But if you fail to pay the total due, the 3.83% monthly fee is applied to your entire balance from the date of each purchase.
What are the late payment charges?
The bank charges between Rs. 100 and Rs. 1,200 depending on your outstanding balance. These fees are charged on top of the 3.83% monthly interest if you miss your minimum payment due date.
What is the forex markup for international transactions?
A 3.5% fee applies to all foreign currency transactions. Spending Rs. 1,00,000 on an international website will cost you an extra Rs. 3,500 in fees.
Can I withdraw cash using my credit card?
Yes, but you will be charged a 2.5% fee on the withdrawal amount, with a minimum charge of Rs. 500 per transaction.
Are there fees for paying rent with this card?
A 1% transaction fee applies to all rent payments. Note that rent payments are also excluded from earning any reward points.
Is there a fee to redeem my reward points?
Yes, the bank data specifies a reward redemption fee of Rs. 100.
What happens if my payment cheque bounces?
A bounce charge of Rs. 500 applies for every returned cheque. A bounced cheque will incur penalties and negatively affect your credit score.
Is there a fee for paying my bill in cash?
A service fee of Rs. 100 applies to each cash payment made at a bank branch. It is always cheaper and faster to pay your bill online.
Documents Required
To process your application smoothly, you must provide proof of identity, address, and income. Having these ready prevents unnecessary delays.
You need your PAN Card as the primary identity document. For address proof, an Aadhaar Card, Passport, or Voter ID is acceptable. To prove your income, salaried employees should provide their latest two months' salary slips and the last three months' bank statements showing salary credits. Self-employed applicants must submit their latest Income Tax Return (ITR) computation along with business continuation proof.
View FAQ
Commonly Asked Questions
What identity proof do I need?
You must provide your PAN card and Aadhaar card. These are mandatory for the application and the Video KYC process.
What income proof is required for salaried employees?
Salaried applicants must submit their latest 3 months' salary slips and bank statements showing salary credits for the same period.
What documents do self-employed individuals need?
Self-employed professionals must provide their latest Income Tax Returns (ITR) and audited financial statements to prove an income of at least Rs. 3.6 Lakh.
Can I use my passport as address proof?
Yes, a valid passport, voter ID, or driver's license are universally accepted as valid address proofs by the bank.
Do I need a physical photograph?
The agent captures your photo digitally during Video KYC. Physical passport photos are required only if you opt for the offline application process at a branch.
What if my current address is different from my Aadhaar?
You must provide an alternate valid address proof, such as a utility bill, voter ID, or rental agreement, that matches your current residence.
Who Should Get This Card?
If you have an Amazon Prime membership and order household goods, electronics, or clothes online every month, this card is practically mandatory. It acts as an automatic 5% discount on your digital life. It is also perfect for beginners looking for their first credit card because the zero annual fee removes all financial risk.
On the other hand, if you are a frequent flyer who values airport lounge access, or someone who spends heavily on dining out and movies, this card will disappoint you. It offers zero lifestyle benefits, no complimentary tickets, and no lounge access. It is a workhorse card designed strictly for smart, simple online shopping.
Credit Limit and What to Expect
Your credit limit is the maximum amount the bank allows you to spend using the card. This number is not fixed; it is calculated uniquely for you based on your CRIF score of 725 or higher, your monthly income, and your existing debt.
If you are a salaried individual earning exactly Rs. 2.4 Lakh a year, you might receive a modest starting limit. If you have a clean credit history and earn significantly more, the bank will grant a much higher limit to accommodate larger purchases like electronics and flight bookings.
View FAQ
Commonly Asked Questions
What will my starting credit limit be?
Initial credit limits range from Rs. 25,000 to Rs. 5,00,000 based on your income profile and credit score at the time of application.
Can I request a higher credit limit later?
Yes, if you use the card responsibly and pay your bills on time for 6 to 12 months, the bank will often offer a limit increase automatically or upon request.
Does my Amazon purchase history affect my credit limit?
No, your credit limit is determined purely by your financial documents, income level, and credit bureau score, not by your Amazon shopping habits.
What happens if I try to spend more than my credit limit?
The transaction will be declined unless you have opted for over-limit facilities. Over-limit transactions attract a fee of 2.5% of the over-limit amount, subject to a minimum of Rs. 500.
Can I use my entire credit limit in one day?
Yes, you can utilize your entire available limit on a single purchase, such as a high-end laptop, provided the transaction amount does not exceed the sanctioned limit.
Will a low credit limit hurt my credit score?
A low limit does not hurt your score directly, but if you constantly max out a small limit, your high credit utilization ratio can temporarily drop your credit score.
How to Apply?
Applying for this credit card is entirely digital and highly streamlined. You can start the process from the Amazon India app or website, or directly through the ICICI Bank portal. You will need to fill in your basic details, verify your income, and provide your PAN and Aadhaar numbers.
The bank uses Video KYC to verify your identity. This means you do not need to visit a branch or hand over physical paperwork to a bank agent. Keep your original PAN card handy, ensure you have good internet, and connect with a bank executive over a video call to finish the process in minutes.
View FAQ
Commonly Asked Questions
Can I apply for this card entirely online?
Yes, the application process is 100% digital. You can apply through the bank website or the Amazon app without visiting any branch.
What is Video KYC?
Video KYC is a quick video call with a bank agent where you show your original PAN card and sign a blank piece of paper to verify your identity remotely.
How long does the application process take?
Filling out the form and completing Video KYC takes less than 15 minutes. Final approval timelines vary based on document verification.
How can I track my application status?
You will receive an application reference number via SMS. You can use this number on the bank website or the Amazon app to track your approval status.
What do I do if my Video KYC fails?
If the video call drops or fails due to network issues, you will get a link to retry. If it fails repeatedly, a bank representative will visit your registered address to complete physical KYC.
Do I need to submit physical copies of my salary slips?
Digital uploads of your salary slips or bank statements are sufficient. Physical copies are required only if the bank specifically requests them for further verification.
That’s the full story of this credit card
Like this card? Your apply button’s just there.
Top Benefits
Top Benefits
Get Up To 5% Rewards on Amazon purchases
with unlimited reward points and no capping across spends
1.99% Forex Mark-Up Rate
Lower Forex Markup on international spends
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