Amazon Pay ICICI Card review: simple, useful and hard to misuse
An independent review of the Amazon Pay ICICI Bank Credit Card for Prime and non-Prime users, including exclusions and reward fit.
Sources checked 13 September 2026Calculations shown where they matterIndia only
Amazon Pay ICICIEditorial renderingMB
Illustration—not the issuer’s card artwork.
Short answer
The Amazon Pay ICICI Card remains an attractive no-annual-fee option for frequent Amazon customers, especially Prime members. Its strength is simplicity and uncapped eligible earnings, not lounge access or premium travel rewards.
Prime Amazon rate
5%
Eligible non-EMI purchases
Non-Prime Amazon
3%
Exceptions apply
Joining / annual fee
₹0
Issuer lists no fee
01
The uncomplicated value
Eligible rewards automatically become Amazon Pay balance after the billing cycle. ICICI Bank states there is no earnings cap and no minimum redemption amount, removing much of the friction found in points cards.
Prime status changes the Amazon.in earn rate.
Eligible Amazon Pay partner merchants can earn 2%.
Other eligible payments earn 1%.
02
Where it does not reward
ICICI Bank lists no rewards on gold, silver and precious metals, tax payments, Amazon EMI purchases, rent and fuel. Some Amazon digital products, gift cards, bill payments and recharges follow a separate 2% treatment.
03
Who should look elsewhere
A frequent traveller seeking lounge access or transferable airline and hotel points needs another product. A user who rarely shops on Amazon may also gain more from a broad cashback card.
Questions people actually ask
Before you decide
Does the Amazon Pay ICICI card charge an annual fee?+
ICICI Bank states that the card has no joining fee and no annual fee.
Do non-Prime members earn 5% on Amazon?+
No. ICICI Bank lists 3% for eligible Amazon purchases by non-Prime users, with certain digital categories earning 2%.
Is the cashback paid to the card statement?+
Earnings are transferred automatically to the Amazon account linked during application as Amazon Pay balance.
Before you apply
Check the latest offer with the issuer.
We do not have a partner application link for this card. Confirm the live fee, benefits and eligibility with the issuer before sharing personal details.
Educational information, not financial advice. Issuer approval, eligibility, rewards and fees are subject to current terms. We do not guarantee approval or returns.