CashbackShoppingLifetime freeBeginner friendly

Amazon Pay ICICI Bank Credit Card Review

Amazon Pay ICICI Bank is best for amazon prime members who want a no-fee card. Lifetime free, with no joining or annual fee.

Annual feeLifetime free

Fee waiverNot needed

Top reward rate5%

Forex markup1.99%

NetworkVisa

Min. income₹25,000/mo

Visit ICICI Bank website Calculate my rewards Compare

Pros

Lifetime free, with no joining or annual fee
5% back on Amazon for Prime members
2% back on bill payments through Amazon Pay
Lower 1.99% forex markup

Cons

Only 3% on Amazon without Prime
Flights and hotels booked via Amazon Pay no longer earn the 5%/3% rate
1% fee on wallet loads of ₹5,000+ and on utility payments above ₹50,000 a month (2026)
No lounge access

Reward rate by category

Effective value back per ₹100 spent. 5% on Amazon for Prime members (3% without Prime). Rewards credited as Amazon Pay balance.

Amazon5%

Flipkart1%

Other online shopping1%

Food delivery1%

Dining out1%

Groceries1%

Flights & hotels1%

Fuel0%

Bills & recharges2%

Everything else1%

How much could you earn?

Estimated yearly value after fees and caps for typical spending patterns.

Balanced spender ₹3,96,000/yr spend	₹5,400
Online shopper ₹3,90,000/yr spend	₹7,980
Frequent traveller ₹8,04,000/yr spend	₹6,782
Family & groceries ₹5,88,000/yr spend	₹7,920

Use my own spends

Lounge access

None

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Amazon Pay ICICI Bank FAQs

What is the annual fee of the Amazon Pay ICICI Bank credit card?

The Amazon Pay ICICI Bank credit card is lifetime free, with no joining or annual fee.

Is Amazon Pay ICICI Bank a good credit card?

The Amazon Pay ICICI Bank card is best for: amazon prime members who want a no-fee card. Its main strengths are: lifetime free, with no joining or annual fee; 5% back on amazon for prime members. Its main drawback: only 3% on amazon without prime.

What is the forex markup on Amazon Pay ICICI Bank?

The Amazon Pay ICICI Bank card charges a 1.99% forex markup on international transactions, plus 18% GST on the markup.

Does Amazon Pay ICICI Bank offer airport lounge access?

No, the Amazon Pay ICICI Bank card does not offer complimentary airport lounge access.

✓ Details verified 26 September 2026Minimum income: ₹25,000 a month (salaried), reported by comparison sites. Sources: CardCheck: Amazon Pay ICICI 2026 changes · ICICI Bank. Banks change terms often, so confirm on the ICICI Bank website before applying.