Amazon Pay ICICI Credit Card Review 2026
The Amazon Pay ICICI Credit Card is a cashback-focused card designed mainly for people who shop regularly on Amazon.in. Its biggest attraction is 5% back on Amazon.in for Prime members, while non-Prime members can earn 3% back. It also offers 1% back on eligible spending outside Amazon.in.
One of its biggest advantages is that there is no joining or annual fee, making it an option worth considering even for people who don’t want to pay a yearly card fee.
Amazon Pay ICICI at a Glance
| Key Detail | Information |
|---|---|
| Card Type | Cashback Credit Card |
| Joining Fee | ₹0 |
| Annual Fee | ₹0 |
| Amazon.in Cashback | 5% for Prime members |
| Amazon.in Cashback | 3% for non-Prime members |
| Other Eligible Spending | 1% back |
| Best For | Amazon shoppers |
Annual Fee & Charges
The Amazon Pay ICICI Credit Card currently has no joining fee and no annual fee. This makes it particularly attractive for customers who want cashback benefits without having to recover a yearly card fee through spending.
However, a zero annual fee does not mean every transaction earns cashback. The applicable exclusions and terms should always be checked before applying.
Key Benefits
5% Back on Amazon.in for Prime Members
Amazon Prime members can earn 5% back on eligible Amazon.in spending, with ICICI Bank currently advertising this as having no upper cashback limit and no minimum purchase requirement, subject to the applicable terms.
3% Back for Non-Prime Members
Customers who are not Amazon Prime members can earn 3% back on eligible Amazon.in spending.
1% Back on Eligible Spending Outside Amazon.in
Eligible spending outside Amazon.in earns 1% back, subject to the card’s applicable terms and exclusions.
No Annual Fee
There is no annual membership fee, which is one of the card’s strongest advantages for customers who don’t want a recurring card cost.
What We Like
- No joining or annual fee.
- Strong cashback for regular Amazon.in shoppers.
- Prime members can earn 5% back on eligible Amazon.in spending.
- Non-Prime members can still earn 3% back.
- Simple cashback structure without complicated reward-point calculations.
Things to Keep in Mind
- The strongest cashback is concentrated around Amazon.in spending.
- Cashback eligibility depends on the transaction type and applicable terms.
- Customers who rarely shop on Amazon may get less value from the card.
- Credit-card interest and other charges can outweigh cashback if bills are not paid on time.
Cashback Redemption
The cashback earned with the Amazon Pay ICICI Credit Card is designed to provide a simple benefit rather than a complicated points system. Eligible cashback is credited as Amazon Pay balance, making it particularly convenient for customers who regularly shop on Amazon.
For regular Amazon shoppers, this can make the rewards easy to use without having to convert points into vouchers or choose from multiple redemption options. However, customers should still check the latest cashback terms and eligible transaction categories before applying, as card conditions can change.
Who Should Consider It?
The Amazon Pay ICICI Credit Card is particularly suitable for regular Amazon shoppers, especially Amazon Prime members who can make frequent eligible purchases.
It can also appeal to customers who want a no-annual-fee cashback card and prefer a simple rewards structure.
If most of your spending happens away from Amazon and you are looking for travel, fuel or premium lifestyle benefits, another card may be a better fit.
Apply Online
Before applying, check ICICI Bank’s latest fees, eligibility requirements, cashback conditions, exclusions and other applicable terms.
Our Verdict
The Amazon Pay ICICI Credit Card stands out because of its zero annual fee and strong Amazon-focused cashback.
For a regular Amazon shopper, particularly a Prime member, the combination can make the card very useful. But the right choice still depends on where you actually spend your money.
If Amazon is a major part of your regular shopping, this is one cashback card worth considering.
Want to understand how secured cards compare with other credit card types? Read our Types of Credit Cards: Which One Is Right for You? (2026 Complete Guide) to explore the different options and find one that may suit your needs.