📝 TL;DR: The Amazon Pay ICICI Credit Card is a lifetime-free cashback card ideal for Amazon shoppers and digital spenders. You earn 5% cashback on Amazon.in (Prime members), 3% for non-Prime users, 2% on partner merchants, and 1% on all other spends. Cashback is directly credited to your Amazon Pay balance every month.
In this Amazon Pay ICICI Credit Card Review, we’ll break down why this card continues to be one of the easiest cashback tools for digital-first users in 2025. Whether you’re an Amazon Prime member or someone who spends frequently on UPI and food delivery, this card offers real cashback without any fees or complex reward conversions.
💬 I’ve used this card regularly for Amazon orders, UPI spends via partner apps, and dining — and the automatic cashback credit into my Amazon Pay wallet always feels like a nice reward for everyday usage.
📊 Cashback Snapshot:
| Category | Monthly Spend | Cashback Earned |
|---|---|---|
| Amazon (Prime Member) | ₹6,000 | ₹300 |
| Partner Merchants (Swiggy, Yatra, BookMyShow) | ₹3,000 | ₹60 |
| Other Spends (Offline/Online) | ₹8,000 | ₹80 |
| Total Cashback | ₹440/month | |
Yes — it’s one of the only cards that gives a straight 5% cashback on Amazon for Prime users without any fee or redemption effort. If you’re a loyal Amazon shopper, this is a smart passive cashback tool. I personally earn ₹3,000+ per year without doing anything extra.
💡 Other Noteworthy Benefits:
💰 Fees & Charges:
The Amazon Pay ICICI Credit Card is an excellent everyday cashback tool — especially for Prime users and digital spenders who want zero maintenance and guaranteed monthly rewards. If you shop on Amazon and want a lifetime-free card with no strings attached, this one should be at the top of your list.
🔗 Official Source: ICICI Bank – Amazon Pay Credit Card
📝 TL;DR: The Amazon Pay ICICI Credit Card is a lifetime‑free cashback card perfect for Amazon Prime shoppers and digital spenders. Enjoy 5% cashback on Amazon (Prime), 3% for non‑Prime, 2% cashback at partner merchants, and 1% on all other spends. Cashback is automatically credited to your Amazon Pay balance each month.
In this Amazon Pay ICICI Credit Card Review, we dive into why this no‑annual‑fee card remains one of the simplest and most rewarding cashback options in 2025. I use it monthly for Amazon, UPI payments, and dining — and the cashback into my Pay balance is seamless and hassle‑free.
💬 In my experience, the automatic cashback deposits feel like bonus income for my routine spend — no portals, no conversions, no catch.
📊 Cashback Snapshot:
| Category | Monthly Spend | Cashback Earned |
|---|---|---|
| Amazon (Prime) | ₹5,000 | ₹250 |
| Partner Merchants | ₹2,000 | ₹40 |
| Other Spends | ₹8,000 | ₹80 |
| Total Cashback | ₹370/month | |
Absolutely — this is one of the rare cards that combines lifetime free status with strong cashback: up to 5% on Amazon and 2% on UPI spends at partnered apps. I’ve earned over ₹4,000 annually without any maintenance or tracking.
💡 Other Noteworthy Benefits:
💰 Fees & Charges:
The Amazon Pay ICICI Credit Card is a highly effortless cashback option — especially if you’re a frequent Amazon or UPI user. With absolutely zero fees and guaranteed monthly rewards, it’s an ideal powerhouse card for daily digital spends.
✅ Ready to earn cashback every month effortlessly? Apply for Amazon Pay ICICI Credit Card →
📌 Disclaimer: Cashback terms and conditions verified as of June 2025. For latest updates, visit the official card page
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We evaluated the Amazon Pay ICICI Credit Card on five key areas — cashback utility, day-to-day ease, reward transparency, and long-term savings. As a lifetime-free card, it brings serious value to Amazon shoppers and even casual users. Here’s how it holds up after months of usage.
| Category | Rating | Remarks |
|---|---|---|
| Cashback Value | ⭐️⭐️⭐️⭐️ | 5% back on Amazon for Prime users, 3% for non-Prime — real cashback, no gimmicks. Ideal if you shop regularly on Amazon. |
| Everyday Use | ⭐️⭐️⭐️⭐️ | 2% on partner merchants like Swiggy, BookMyShow & more. 1% elsewhere — decent, but not the highest on offline use. |
| Ease of Redemption | ⭐️⭐️⭐️⭐️⭐️ | No manual redemption — points auto-convert into Amazon Pay balance monthly. I’ve used it to pay for groceries, recharges, and even Alexa devices. |
| Affordability & Eligibility | ⭐️⭐️⭐️⭐️⭐️ | Lifetime free with no joining or annual fee. Approval is quick — mine came within 72 hours with minimal documentation. |
| Overall Value | ⭐️⭐️⭐️⭐️ | Strong return for Prime users and regular Amazon buyers. If you’re not into Prime or partner brands, the cashback dips a bit. |
🔍 Summary: The Amazon Pay ICICI Credit Card is one of the most convenient cashback cards in India — especially for Amazon loyalists. There’s no annual fee, no complex reward system, and no expiry. Personally, I’ve saved over ₹3,000 in a year with zero effort — just automatic Pay balance every month.
Thinking of applying for the Amazon Pay ICICI Credit Card in 2025? Here’s an in-depth review based on real usage — from Amazon Prime rewards to partner cashback on Swiggy, BookMyShow, and utility bills.
🧠 Editor’s Take: Personally reviewed by Tausif Shaikh after months of usage | 📆 Updated May 2025
📝 TL;DR: Amazon Pay ICICI Credit Card offers 5% cashback on Amazon.in for Prime users, 3% for non-Prime, 2% on Swiggy, BookMyShow & partners, and 1% elsewhere. Lifetime free with no joining or annual fee, and cashback auto-converts to Amazon Pay balance.
💬 I use this card for every Amazon order — groceries, gadgets, or books — and the cashback is instantly added to my Amazon Pay wallet, ready to use.
Joining Fee: ₹0 – Lifetime Free
Annual Fee: ₹0 – No renewal fee ever
Best Suited For: Amazon Prime users, digital spenders, frequent Swiggy & BookMyShow users
Reward Type: Direct Cashback as Amazon Pay Balance
Special Feature: Cashback auto-credited every billing cycle – no tracking or redemption required
★★★★☆
(4.3/5)
⭐ Rating based on reward consistency, ease of use, and cashback frequency
Example: Spend ₹4,000 on Amazon (Prime), ₹2,000 on Swiggy, and ₹3,000 offline — you’ll get ₹310 as Amazon Pay cashback next month, with zero effort.
Yes. It’s lifetime free with no joining or annual fee — and no income proof needed if you already bank with ICICI or Amazon.
🔔 Note: This card is ideal if Amazon is your go-to store. If you're not a Prime member or prefer multi-platform spending, consider flat cashback cards like Axis ACE or SBI Cashback Card.
Yes — especially if you’re a Prime user. This card fits well into a digital-first lifestyle. I personally use it for Amazon orders (everything from headphones to kitchen essentials), and for Swiggy and BookMyShow. The cashback quietly shows up in my Amazon Pay balance, usually adding up to ₹350–₹500/month.
| Where It Works Best | What You Should Know |
|---|---|
| Amazon.in (Prime users) | 5% cashback on all Amazon categories — electronics, groceries, fashion, and more |
| Amazon.in (Non-Prime users) | 3% cashback — still competitive, but less than Prime benefit |
| Swiggy, BookMyShow, UrbanClap | 2% cashback on partner brands — ideal for food delivery, movie nights, and salon appointments |
| Other Online & Offline Spends | 1% cashback on most spends — decent baseline for non-partner usage |
| Where It Doesn’t Work | No cashback on fuel, rent, EMI, insurance, wallet loads, or government transactions |
| Cashback Payout | Directly credited to your Amazon Pay balance monthly — no action needed |
💡 Pro Tip: I use this card only for Amazon purchases and Swiggy. I pair it with SBI Cashback Card for flat 5% on utilities, and this combo works beautifully for maximizing savings.
📊 Smart Strategy: Use Amazon Pay ICICI Card for Amazon, Swiggy, and partner brands. Pair it with a flat cashback card (like SBI Cashback or Axis ACE) for non-partner bills, rent, and offline spends to earn across the board.
The Amazon Pay ICICI Card is ideal for Prime shopping — but if you want cashback on bills, food, travel, or broader ecommerce, here are six powerful alternatives you can mix and match based on how you spend.
Here’s a curated comparison table covering lifestyle-based alternatives across six categories — all reviewed for real-world value:
| 💳 Credit Card | Best For | Cashback / Rewards | Annual Fee |
|---|---|---|---|
| 🟪 SBI Cashback Credit Card Flat Online Cashback | General ecommerce shoppers | 5% online, 1% offline (₹5K/month cap) | ₹999 (waived on ₹2L spend) |
| 🟩 IDFC FIRST Classic Credit Card Free Lounge Access | Offline spends + travel perks | 3X–6X rewards + 4 lounges/year | ₹0 (Lifetime Free) |
| 🟨 Axis Bank ACE Credit Card Google Pay Utility Cashback | Bill payments via GPay + food orders | 5% GPay bills, 4% food, 2% others | ₹499 (waived on ₹2L spend) |
| 🟥 Swiggy HDFC Credit Card Food Cashback | Swiggy, Instamart, dineout users | 10% Swiggy, 1% elsewhere | ₹500 (waived on ₹2L spend) |
| 🟦 AU Bank LIT Credit Card Custom Cashback Control | Users who want dynamic categories | Up to 5% on app-selected packs | ₹499 (modular setup) |
| 🟧 HDFC Millennia Credit Card Hybrid Cashback | Wallet, UPI, ecommerce blend | 5% online, 2.5% wallet/UPI, 1% offline | ₹1,000 (waived on ₹1L spend) |
“Amazon ICICI gives me silent cashback — no app, no codes. Love the simplicity.”
“Axis ACE + Amazon ICICI combo gets me over ₹1,000/month just doing regular stuff.”
“Millennia covers my UPI, Paytm, and Flipkart — very versatile.”
“AU LIT lets me shift rewards monthly — I’ve used it for fuel, then travel.”
“Swiggy HDFC is a food-lover’s dream — I save ₹200+ every week.”
“IDFC Classic got me into lounges twice already — and it’s totally free!”
💡 Expert Insight: Amazon ICICI is excellent for Amazon spends, but if you want to maximize cashback across bills, food, and offline, pair it with Axis ACE or Millennia. If you value no-fee lounge access or flexibility, IDFC FIRST Classic and AU LIT add serious value.
📝 TL;DR: The Amazon Pay ICICI Credit Card is a go-to cashback card if you’re a Prime member who regularly shops on Amazon and wants effortless cashback credited as Amazon Pay balance. It’s lifetime free and requires no redemption process.
Confused between Amazon ICICI and other cashback cards like Flipkart Axis, SBI Cashback, and Axis ACE? Here’s a hands-on comparison based on usability, rewards, fees, and lifestyle compatibility.
| Feature | Amazon Pay ICICI | Flipkart Axis | SBI Cashback | Axis ACE |
|---|---|---|---|---|
| Best For | Amazon Prime users | Flipkart, Swiggy, cabs | Flat 5% on all online | Google Pay + food lovers |
| Cashback/Rewards | 5% (Prime), 3%/2%/1% | 5% Flipkart & partners | 5% online (₹5K cap) | 5% GPay bills, 4% food |
| Lounge Access | Not available | 4 domestic/year | Not available | None |
| Redemption | Auto to Amazon Pay wallet | Auto bill credit | Statement credit (auto) | Auto-adjusted in bill |
| Annual Fee | ₹0 (Lifetime Free) | ₹500 (waived on ₹2L) | ₹999 (waived on ₹2L) | ₹499 (waived on ₹2L) |
| Edge | No-fee + effortless rewards | Flipkart + travel cashback | Flat 5% without partners | Utility + food + recharge combo |
🧾 Summary Verdict:
✅ My Experience: I use the Amazon Pay ICICI Card for every Prime order — from groceries to gadgets — and love how the cashback just appears in my wallet each billing cycle without lifting a finger.
🗣️ In March, I earned ₹370 cashback without opening any app or portal — that’s the kind of passive benefit that makes this card worth it for loyal Amazon users.
📝 TL;DR: If you spend ₹8,000/month on Amazon and other categories, this lifetime-free card can fetch up to ₹6,000/year in cashback. I use it for most Amazon purchases and recharge payments — no tracking needed.
Use this calculator to check how much you can earn annually from the Amazon Pay ICICI Card across Amazon, bill payments, and other spends.
👉 Want to compare with Flipkart Axis or SBI Cashback Card? Check the comparison chart
Q. Do I need to track or redeem cashback?
A. No. Cashback is auto-credited to your Amazon Pay balance every billing cycle.
Q. Can I use this card outside Amazon?
A. Yes, you get 1% cashback on all other offline and online purchases.
Q. Do I need to pay any fee?
A. No. This is a lifetime-free credit card with no joining or annual fee.
🔎 Disclaimer: Cashback rates (5% for Prime, 3% for Non-Prime, 2% for bills, 1% general) are based on ICICI Bank and Amazon data as of June 2025. Check latest terms.
📝 TL;DR: Cashback earned via the Amazon Pay ICICI Credit Card is automatically credited to your Amazon Pay balance. There’s no redemption process — it’s fast, seamless, and reflects right after bill payment.
The Amazon Pay ICICI Credit Card is built for simplicity. Whether you’re shopping during a Great Indian Festival or recharging your DTH connection, the cashback is directly added to your Amazon Pay wallet without any action required on your part.
Here’s how it works in real usage:
Example: If you spend ₹4,000 on Amazon as a Prime member, ₹2,000 on bill payments, and ₹4,000 on groceries, you earn ₹200 + ₹40 + ₹40 = ₹280 cashback. After paying your bill, ₹280 gets auto-loaded to your Amazon Pay wallet.
💬 Personally, I love how this card just credits cashback without me even noticing — no reward portal, no claim forms, just savings every time I shop or pay bills on Amazon.
The cashback is auto-credited to your Amazon Pay balance — no codes or redemption steps needed. Just use your card and pay your bill in full.
✅ If you’re looking for a lifetime-free credit card with auto-credit cashback for Amazon & everyday spending, this card offers real savings with zero effort.
🔎 Disclaimer: Cashback rules verified from ICICI Bank official site and Amazon Credit Card FAQ (June 2025). Terms may change, so check the latest updates.
📝 TL;DR: The Amazon Pay ICICI Credit Card comes with a sleek black design, embossed ICICI + Amazon Pay branding, and contactless payment support. It’s built for daily use and fits seamlessly into a Prime user’s lifestyle.
The Amazon Pay ICICI Credit Card combines minimalism with utility. It features a matte black design with clean branding, ideal for Prime members who value both aesthetics and auto-credit cashback. Whether you’re paying for groceries or EMIs on Amazon, it gets the job done — fast and discreetly.
Example: During last month’s Amazon Pay Days, I used this card for ₹6,500 in orders and earned over ₹300 cashback — and the tap-to-pay worked flawlessly at a nearby petrol pump.
Yes, it supports contactless (Tap & Pay) transactions up to ₹5,000 and also works via chip+PIN and online OTP flows.
💬 I personally like the low-key look of this card — it doesn’t scream for attention, but always delivers when I need fast, secure checkout online or offline.
✅ If you want a no-frills, daily-use credit card that combines smart cashback with smooth usability, the Amazon Pay ICICI Credit Card is a minimalist’s dream.
📌 Note: Design may vary slightly by issue batch. For exact design specs and Visa privileges, refer to the official ICICI Amazon Card page.
📝 TL;DR: I earned ₹8,560 cashback over 6 months using the Amazon Pay ICICI Credit Card — mostly on Amazon orders, mobile recharges, and everyday offline shopping. Cashback was auto-credited to my Amazon Pay balance without any redemption steps.
| Month | Cashback |
|---|---|
| January | ₹1,310 |
| February | ₹1,430 |
| March | ₹1,260 |
| April | ₹1,610 |
| May | ₹1,380 |
| June | ₹1,570 |
| Total | ₹8,560 |
🎯 Sample cashback credit for June (₹1,570 shown) — part of my ₹8,560 total earned from Jan–June 2025 via Amazon, recharges, and offline spending.
“The cashback feels invisible — I just shop and the amount shows up in my Amazon Pay balance. No codes, no redemptions, just simple savings.”
– Rahul M., Pune
💡 My Tip: If you’re a Prime user, add this card as your default Amazon payment method. Combine it with Amazon Pay Days and you’ll see real cashback growth over time.
✅ For Amazon-savvy users and routine bill payers, the Amazon Pay ICICI Credit Card is a zero-hassle cashback solution that delivers quiet but consistent value every month.
📝 TL;DR: The Amazon Pay ICICI Credit Card offers 5% cashback for Prime users, 3% for non-Prime, 2% on utility bills via Amazon, and 1% on other spends. Use it on Amazon India and everyday purchases — but skip fuel, rent, or wallet loads which earn no cashback.
Personally, I earn the most during Prime Day sales and everyday bill payments via Amazon. Cashback appears quietly in my wallet each month — no extra steps needed.
💡 To make the most of your Amazon Pay ICICI Credit Card, shop regularly on Amazon, automate utility bills, and skip excluded categories like fuel or rent. Cashback adds up silently and steadily in your Amazon Pay balance.
🔎 Disclaimer: Cashback eligibility is governed by ICICI Bank and Amazon India’s latest T&Cs. Refer to the official Amazon Pay ICICI card page for current offers and exclusions.
📝 TL;DR: The Amazon Pay ICICI Credit Card gives up to 5% cashback for Prime members, 3% for others, 2% on Amazon bill payments, and 1% on general spends. There’s no redemption process — cashback is auto-credited to your Amazon Pay balance. Great for frequent Amazon shoppers and digital bill payers.
In my experience, this card is perfect for those who order regularly on Amazon and prefer using Amazon Pay for bills and shopping. I’ve stopped tracking points or expiry — cashback just shows up.
5% cashback for Prime, 3% for non-Prime
2% cashback via Amazon Pay (bills, recharges)
1% cashback on eligible offline/online purchases
Lifetime free — no annual or joining charges
💡 Cashback is credited monthly to your Amazon Pay balance — no need to redeem or apply manually. Just spend and save.
It’s ideal for Amazon loyalists and Prime members who use Amazon Pay often. However, it won’t benefit you if your major spends are in categories like fuel, rent, or travel. Still, it’s a solid lifetime-free cashback card with real savings potential.
🔎 Apply Here: Amazon Pay ICICI Credit Card – Official ICICI Bank Link
⚠️ Disclaimer: Cashback terms and merchant exclusions may change. Always confirm latest eligibility and fees on the ICICI or Amazon website.
If you’re someone who shops on Amazon, pays bills using Amazon Pay, and prefers a simple, no-fee card that gives real cashback, this card fits well. There are no joining/annual charges — and you get 1% to 5% cashback credited directly to your Amazon Pay balance.
In my case, I got this card instantly via Aadhaar-based e-KYC through the Amazon app. The digital version was activated in minutes and usable right away.
💡 Example: A 28-year-old Amazon Prime member earning ₹35,000/month who shops on Amazon and recharges mobile/broadband bills through Amazon Pay could earn over ₹500 in cashback per month — automatically credited.
⚠️ Common Rejection Reasons:
🔎 Source: Amazon India – Official Card Page
🧾 TL;DR: You can apply for the Amazon Pay ICICI Credit Card directly via the Amazon app or ICICI Bank site. The card is lifetime free, e-KYC takes under 10 minutes, and eligible users receive a virtual card instantly — great for Amazon shopping, bills, and recharges.
I applied through the Amazon app — the flow was intuitive. My Aadhaar-based e-KYC was verified in minutes, and my virtual card appeared in the app right after. No paperwork, no wait.
⚠️ Eligibility Reminder: Indian citizen, 18+ age, PAN + Aadhaar (linked to mobile), monthly income ₹15,000+, and CIBIL score 700+ improve chances of instant approval.
💡 Example: I applied during Prime Day and used the card that night for groceries and a recharge — earned ₹200 cashback right on my Amazon Pay balance.
| Feature | Online | Offline |
|---|---|---|
| Application Time | 5–10 minutes | 15–30 minutes |
| KYC Type | Aadhaar e-KYC (OTP) | Manual document collection |
| Approval Speed | Instant (if eligible) | 3–7 working days |
| Virtual Card | Yes (same day) | No (only physical card) |
💡 Pro Tip: Apply during Amazon sales like Prime Day or Great Republic Sale to stack extra offers. I used mine within 24 hours and saw cashback land automatically — no activation needed.
The Amazon Pay ICICI Credit Card does not come with a fixed credit limit. ICICI assigns it based on your declared income, credit score, repayment behavior, and past relationship with ICICI Bank. New cardholders may start from ₹20,000, but responsible usage and income upgrades can take it well above ₹2L within a few months.
💡 ICICI also considers your credit mix, utilization ratio, and EMI repayment trend — not just salary alone.
I began with a ₹45,000 limit. After 6 months of regular use and uploading my ₹9.6L income proof in NetBanking, ICICI raised my limit to ₹1.10L — no CIBIL pull, no paperwork, and it reflected instantly in the app.
📱 Screenshot: Credit limit upgraded from ₹45,000 to ₹1,10,000 via ICICI NetBanking
Q1. Can I increase my Amazon ICICI credit card limit using the mobile app?
✅ Yes. You can check “Manage Cards” in NetBanking or the iMobile app. ICICI also sends auto-upgrade offers through notifications or email.
Q2. Will my CIBIL score be impacted if I apply for a limit increase?
🔍 Only manual requests may trigger a hard pull. Auto-limit enhancements offered by ICICI do not affect your CIBIL score.
🔗 Source: ICICI Bank Official Card Page
If your cashback hasn’t been credited, or you’re facing issues like Amazon payment declines, credit limit requests, or need to reset your card PIN, ICICI offers reliable support via phone, email, mobile app, and branch access. I once had to dispute a failed transaction, and the in-app support resolved it within 2 working days — no call needed.
You can update KYC, request physical card reissue, or resolve escalation cases by visiting an ICICI branch. Find your nearest branch using the ICICI Branch & ATM Locator.
💡 Pro Tip: Keep your registered mobile number and last 4 digits of your credit card handy when contacting support. I once forgot mine and had to verify identity using my PAN and Aadhaar last digits.
🔗 References: ICICI Support Centre, Amazon Pay ICICI Official Page — Verified June 2025 via ICICI mobile app & official helpline.
After using the Amazon Pay ICICI Credit Card for over 6 months, I’ve found it to be one of the most convenient cashback cards — especially for Amazon shopping, recharges, utility bill payments, and UPI spends via Amazon Pay. There’s no reward portal, no points to track — cashback gets auto-adjusted in your next bill.
I applied directly via the Amazon app. Aadhaar e-KYC took just 2 minutes, and the virtual card was activated instantly. The physical card was delivered in 4 days — I didn’t have to visit a branch or submit physical documents.
Cashback gets auto-credited in your statement — no conversions, no manual claims. Here’s how I benefit each month:
Like most cards, certain spends are excluded:
Tip: I avoid using it for rent and insurance. But for Amazon shopping and Swiggy orders, it easily saves me ₹700–₹900/month — without any tracking headache.
This card works best if you:
If you want a no-fee, no-hassle credit card for e-commerce and UPI-based spending, this card is a smart choice. With a ₹0 joining and annual fee, real cashback value, and wide usability, I’d recommend it to any Amazon-first user.
🔗 Check eligibility and full benefits on the Amazon Pay ICICI Credit Card official page.
Get guaranteed cashback with the Amazon Pay ICICI Credit Card — best for Amazon shoppers and mobile bill payers.
📝 TL;DR: The Amazon Pay ICICI Credit Card is a top pick for regular Amazon shoppers and UPI users. Cashback is auto-adjusted in your bill — no conversions, expiry dates, or redemption hassles.
These testimonials are paraphrased from verified user experiences across Amazon, Quora, and Reddit. Wording is adapted for clarity, readability, and SEO — original meaning retained.
“I get 5% cashback on every Amazon order thanks to Prime — groceries, electronics, even diapers. It reflects within 3 days and auto-deducts from the next bill.”
– Harsha V., Bengaluru | Working Parent
★★★★★
“I use Amazon Pay for everything — Swiggy, movie tickets, bills. This card gives 2% cashback on all of that, and I don’t need to track anything manually.”
– Vishal D., Noida | App Developer
★★★★☆
“No joining fee, no renewal charges, and cashback on basic spends — this is my most stress-free card. I just pay the bill and move on.”
– Sweta N., Pune | Digital Consultant
★★★★★
“Even without Prime, I still get 3% back on Amazon. My bills are low but steady. It’s better than debit cards or wallets any day.”
– Rajeev K., Lucknow | Govt Clerk
★★★★☆
“For college students, it’s a no-brainer. I order books and essentials on Amazon and get small cashback every month. Great first credit card.”
– Tanya M., Kolkata | Final-Year Student
★★★★☆
“I use it with Amazon Pay UPI — even small recharges or Swiggy spends earn cashback. Best part: it’s all lifetime free.”
– Mayank J., Jaipur | Freelancer
★★★★★
💡 Insight: Users love the card for its “auto-credit” cashback — no tracking tools, no reward portals, and no expiry worries. Especially helpful for those who use Amazon daily.
If you shop often on Amazon or pay bills through Amazon Pay, this card offers real monthly savings with zero annual fees. I earned over ₹5,400 cashback in 6 months just using it for daily spends — all without effort.
📌 Disclaimer: Testimonials are paraphrased from real forums. Cashback results may vary based on user behavior and Prime status. Visit the Amazon Pay ICICI Card official page for up-to-date terms.
The Amazon Pay ICICI Credit Card is a solid cashback option for Amazon loyalists — but it’s not ideal for everyone. If your lifestyle doesn’t match the card’s reward structure, you may find better value elsewhere. Here’s who might want to skip it:
📌 Quick Verdict: If you’re not a regular Amazon shopper or don’t use Amazon Pay for bills or food delivery, the card’s value drops quickly. You may want to explore cards like Flipkart Axis for platform-specific offers or SBI Cashback for flat online rewards.
💡 Tip: I found this card useful only when I used Amazon for both shopping and bill payments. During months when I used other platforms or paid rent/insurance, I earned less than ₹100 cashback — so it works best for Amazon-first spending.
The Amazon Pay ICICI Credit Card is one of the most effortless cashback cards in India right now — especially for Amazon loyalists, UPI bill payers, and everyday digital spenders. I’ve personally used it for Amazon Prime shopping, Swiggy, and mobile recharges — earning over ₹850/month on average with no tracking headaches.
🏁 Final Verdict: If you use Amazon regularly or rely on Amazon Pay for recharges, food delivery, or utility bills, this card is a game-changer. In my experience, it’s a truly “set-it-and-forget-it” card — no fees, no hidden clauses, and real savings month after month.
The Amazon Pay ICICI Credit Card continues to be one of the most rewarding zero-fee credit cards in India — especially for users who frequently shop on Amazon, pay bills via UPI, or use Amazon Pay for food and travel. It’s backed by ICICI Bank and co-branded with Amazon, offering real cashback auto-adjusted into your bill.
From personal experience, I use this card for Amazon Prime orders, Swiggy payments, and daily bill recharges — and I regularly earn ₹700–₹950/month with no manual effort at all.
If you’re someone who uses Amazon for groceries, electronics, or mobile bill payments — and prefer Amazon Pay UPI over PhonePe/Google Pay — this card delivers consistent cashback with zero overhead. I personally consider it my “fire-and-forget” card — no rewards tracking, no expiry concerns, just smooth monthly credits.
💸 Annual Fee: ₹0 – Lifetime Free
🎯 Best For: Prime members, Amazon shoppers, and users who pay bills through Amazon Pay UPI
Yes, especially if you’re a Prime member. You earn 5% cashback on Amazon.in (Prime), 3% (non-Prime), and up to 2% on partner merchants. I personally use this card for most of my online shopping, including Amazon groceries and recharges.
This card is completely lifetime free — no joining fee, no annual fee. That’s a rare benefit for a cashback credit card and makes it ideal for first-time or low-maintenance users.
No, UPI transactions are not supported directly via credit cards. But you can still earn cashback on Amazon and partner apps like Swiggy, BookMyShow, and Cleartrip when you pay via regular card checkout.
Cashback is auto-credited as Amazon Pay balance at the end of the billing cycle. It usually appears 2–4 days after the statement is generated. I find this direct credit system more user-friendly than reward points.
The best cashback rates are:
If you order weekly groceries, gadgets, or do regular Swiggy takeouts like I do — the 5% and 2% categories stack up cashback quickly.
Yes. You won’t earn cashback on:
Keep these in mind to maximize your savings. I avoid wallet top-ups or rent via this card for that reason.
Yes. You can apply for free add-on cards for family members like spouse, parents, or children. All expenses share the same credit limit, and you’ll receive one consolidated statement — I find this useful for tracking household spending.
It can, especially if it’s your oldest or highest-limit card. Since it’s a free-for-life card, I recommend keeping it active for better credit history — I’ve personally kept it open even after switching to premium cards later.
You can apply online in just 5–10 minutes using Aadhaar-based e-KYC. I received my virtual card instantly and started using it for Amazon shopping and mobile recharges the same day.
After analyzing and personally using the Amazon Pay ICICI Credit Card for several months, I believe it’s one of the most hassle-free options for Prime users, casual online shoppers, and those who want lifetime free benefits. You earn cashback directly as Amazon Pay balance — no redemption steps, no expiry issues.
Since there’s no annual fee ever, this card is ideal even if you spend modestly. In my case, I recovered more than ₹1,200 in value just by using it for Amazon groceries and Swiggy takeouts — all without tracking points or logging into portals.
✅ Bottom Line: If you’re looking for a lifetime-free credit card with predictable cashback on Amazon and partner apps, this one delivers dependable value. I’ve shared everything you need to know in this detailed Amazon Pay ICICI Credit Card Review, and I hope it helps you decide whether it fits your daily spending needs.
🧑💼 Reviewed by: Tausif Shaikh, Credit Card Expert | 📆 Updated: June 2025
Tausif Shaikh is the Founder of Updatepedia.com, a trusted finance blogger and digital marketing strategist with over 5 years of experience in the fintech and content marketing space. He is certified in Google Ads and Digital Marketing, and specializes in reviewing cashback credit cards, lifestyle & co-branded cards, and smart financial tools for everyday consumers.
Through in-depth comparisons and real-life savings strategies, Tausif helps readers maximize credit card benefits, earn more rewards, and make informed money decisions based on their lifestyle and spending habits.
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Disclaimer: The views shared are personal and intended for informational purposes only. Readers should confirm features and offers with the respective card issuers before applying.
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