Amazon Pay ICICI Bank Credit Card
ICICI Bank · Cashback card · Lifetime free
Fees & benefits
| Annual fee | Nil (lifetime free) |
| Welcome benefit | None |
| Airport lounges | None |
| No rewards on | fuel, rent, government, wallet, emi |
Reward rates (with caps — the part that actually matters)
| Rule | Effective rate | Monthly cap | Applies to |
|---|---|---|---|
| 5% Amazon Prime cashback | 5% | Uncapped | amazon |
| 2% partner payments proxy | 2% | Uncapped | swiggy, uber, bookmyshow |
| 1% other cashback | 1% | Uncapped | all eligible spend |
What it's worth at your spend
Net annual value on a typical Indian urban spend mix (shopping-heavy, incl. groceries, dining, fuel, travel, bills), after caps and fees. Rank is out of all 50 cards we track.
Caveats & recent changes
Amazon cashback is 5% for Prime members, 3% for non-Prime; this entry models the 5% Prime rate. 2% on Amazon Pay partner merchants, 1% on other spends.
Lifetime free. Cashback credits to Amazon Pay balance — most useful for Amazon-heavy users.
From 15 Jan 2026 ICICI charges 1% on wallet loads ≥ ₹5,000 (no cashback on those).
Verified 2026-07-13 against official issuer sources (agent verification pass; manual human review unavailable).
Quick answers
Is the Amazon Pay ICICI Bank Credit Card lifetime free?
Yes — the Amazon Pay ICICI Bank Credit Card has no annual fee.
What is the highest reward rate on the Amazon Pay ICICI Bank Credit Card?
5% — 5% Amazon Prime cashback. Effective value depends on monthly caps; see the caveats on this page.
Does the Amazon Pay ICICI Bank Credit Card give airport lounge access?
No, the Amazon Pay ICICI Bank Credit Card does not include airport lounge access.
Where the Amazon Pay ICICI Bank Credit Card fits
Ranks in our: Lifetime-free credit cards (#2), First credit cards for beginners (#4).
Compare it: Amazon Pay ICICI Bank Credit Card vs Scapia Federal Bank Credit Card · Amazon Pay ICICI Bank Credit Card vs IndusInd Platinum Aura Edge Credit Card.
Best cards by spend: ₹15,000/month · ₹30,000/month · ₹60,000/month. Check if this card's fee is worth it.