If you shop online regularly, especially on Amazon, you’ve probably heard about the Amazon Pay ICICI Credit Card. It is often promoted as a lifetime free credit card with attractive cashback, but the real question many users ask is:
Is the Amazon Pay ICICI Credit Card really good and worth applying for?
Let’s break it down in a clear, practical way so you can decide if this card fits your lifestyle and spending habits.
What is the Amazon Pay ICICI Credit Card?
Amazon Pay ICICI Credit Card is a co-branded credit card issued by ICICI Bank in partnership with Amazon India. The card is designed mainly for people who shop frequently on Amazon and want simple cashback instead of complex reward points.
One of its biggest highlights is that it is a lifetime free credit card, meaning:
- No joining fee
- No annual fee
Benefits of Amazon Pay ICICI Credit Card
1. Lifetime Free – No Hidden Charges
This is one of the strongest reasons why the card is popular. You don’t have to worry about spending limits to waive annual fees—it’s free forever.
2. High Cashback on Amazon Shopping
- 5% cashback for Amazon Prime members
- 3% cashback for non-Prime members
The cashback is credited directly to your Amazon Pay balance, which can be used for shopping, bill payments, or recharges.
3. Cashback on Other Spends
- 2% cashback on Amazon Pay partner merchants
- 1% cashback on all other eligible spends
This makes it useful even outside Amazon.
Easy to Use Cashback Structure
Unlike many credit cards, where:
- Points expire
- Redemption is confusing
- Minimum points are required.
This card offers straightforward cashback. Whatever you earn goes directly to your Amazon Pay wallet—simple and transparent.
Also Read: Flipkart & SBI Car Launch New Co-branded Credit Card
Additional Card Features
- Interest-free credit period up to 48 days
- Accepted globally (Visa variant)
- Contactless payments
- Fuel surcharge waiver (as per ICICI policy)
- EMI options on Amazon purchases
Eligibility Criteria
Approval depends on ICICI Bank’s internal policy, but usually:
- Age: 21 to 60 years
- Income: Stable salaried or self-employed income
- CIBIL Score: 700+ preferred
- Amazon account required
Note: Having Amazon Prime improves approval chances but is not mandatory.
Who Should Apply for the Amazon Pay ICICI Credit Card?
This card is good for you if:
- You shop on Amazon frequently.
- You prefer cashback over reward points.
- You want a zero-fee credit card.
- You pay bills and recharges using Amazon Pay.
Who May Not Find This Card Useful?
You may want to look at other options if:
- You want airport lounge access.
- You prefer travel or lifestyle benefits.
- You rarely shop on Amazon.
- You want premium card privileges.
This card focuses more on savings, not luxury benefits.
Pros and Cons of Amazon Pay ICICI Credit Card
Pros
- Lifetime free credit card
- High cashback on Amazon
- Simple cashback redemption
- ICICI Bank trust and service
Cons
- No lounge access
- No premium lifestyle benefits
- Best value mainly for Amazon users
Is Amazon Pay ICICI Credit Card Good for Beginners?
Yes, absolutely. For first-time credit card users, this card is a great choice because:
- No annual fee pressure
- Easy reward system
- Helps build a strong CIBIL score if used responsibly
Also Read: 5 Best Credit Cards to Get with a 15,000 Salary
Conclusion
Yes, Amazon Pay ICICI Credit Card is a very good option if your spending is focused on Amazon and daily online payments. It offers excellent value with zero cost, making it one of the best cashback credit cards in India for regular online shoppers. However, if you are looking for travel perks or luxury experiences, this card may feel limited.
For most users, especially beginners and Amazon shoppers, it is a smart, safe, and rewarding credit card.