All cards / ICICI Bank
ICICI Amazon Pay
A lifetime-free card built around Amazon's own reward engine — 5% back on Amazon.in with an active Prime membership (3% without), 2% on 100+ other Amazon Pay merchant sites, and 1% everywhere else, credited straight back as an Amazon Pay balance rather than points that need redeeming. Zero joining or annual fee makes it a low-risk first card or a dedicated Amazon-spend card layered under a stronger primary card.
Annual fee
₹0
Joining fee
₹0
Reward type
cashback
Base reward rate
1%
Card network
Visa
Card tier
Entry
Who this card fits
Best suited to applicants with a credit score of roughly 650+ whose spend is concentrated in online shopping, utilities. It's a lifetime-free card with no fee to track.
Rewards & benefits
- Movie & dining: Culinary Treats programme: minimum 15% off dining bills at 2,500+ partner restaurants nationwide
- Rewards rate: 1% base rate
Benefits by category
- 🍽️ Dining & food delivery
Culinary Treats: min. 15% off dining bills at 2,500+ partner restaurants nationwide via the ICICI dining program
- 🛍️ Shopping
5% reward rate
- ⛽ Fuel
1% fuel surcharge waiver on all fuel purchases across India, capped at ₹100/statement cycle
- 🌍 Forex / international spend
1.99% forex markup on international transactions
Eligibility
- Minimum credit score: 650
- Minimum monthly income: ₹30,000
- Employment: salaried, self-employed
- Age: 21–60
Fees & charges
- Rewards redemption fee: No redemption fee — cashback credits automatically to the statement
- Foreign currency markup: 1.99%
- Interest rate: 40.8% p.a.
- Fuel surcharge waiver: 1% fuel surcharge waiver on all fuel purchases across India, capped at ₹100/statement cycle
- Cash advance charges: 2.5% of the transaction amount or ₹500, whichever is higher, plus applicable GST
Benefits
- 1% fuel surcharge waiver on all fuel purchases across India, capped at ₹100/statement cycle
- Culinary Treats: min. 15% off dining bills at 2,500+ partner restaurants nationwide via the ICICI dining program
Pros
- + Zero joining/annual fee for life — no spend threshold to protect
- + 5% back on Amazon.in with Prime (3% without Prime)
- + 2% back on 100+ other Amazon Pay partner merchants
- + Rewards land automatically as Amazon Pay balance, no redemption hassle
- + Low eligibility bar makes it accessible for first-time cardholders
Cons
- − Top 5% rate is gated behind a paid Amazon Prime subscription
- − No lounge access, travel, or premium lifestyle benefits
- − Reward value is locked to Amazon's ecosystem rather than cash
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