The Amazon Pay ICICI Bank Credit Card is a co-branded credit card that was recently introduced by ICICI Bank and Amazon India on the Visa payment platform. It quickly gained popularity as one of the nation's most preferred credit cards for online shopping, and it is currently regarded as one of the best credit cards available for shopping in India, particularly for Amazon customers and Prime members. The Amazon ICICI Credit Card's main selling point is that it offers cashback in the form of an Amazon Pay balance.
Fees and Charges
- Fees: - Joining/Annual Nil
- Best Suited For: - Shopping
- Reward Type: - Cashback
- Rewards Redemption Fees: - N/A
- Welcome Benefits: - Cashback, savings of up to Rs. 2,000, and a complimentary three-month Prime membership
- Interest Rates: - 3.6% per month (52.86% annually)
- Spend Based Waiver: - N/A
- Fuel Surcharge: - Every petrol station in India waives the 1% fuel surcharge.
- Foreign Currency Markup: - 3.5% of the total transaction value
- Cash Advance Charges: - 2.5% (Min. Rs. 300) of the withdrawn amount.
- Add-on Card Fee: - Nil
Reward and Benefits
- Movie & Dining: - a minimum 15% reduction in meal costs for restaurants taking part in the Culinary Treats program.
- Rewards Rate: - 2% cashback on partner products, 1% cashback on all other payments (excluding fuel purchases), 5% cashback on Amazon purchases for Prime members and 3% cashback for non-Prime members.
- Rewards Redemption: At the end of the payment cycle, Reward Points are converted to Amazon Pay balances. One Reward Point is equal to Re. 1.
- Travel: - N/A
- Domestic Lounge Access: - N/A
- International Lounge Access: - N/A
- Insurance Benefits: - N/A
- Golf: - N/A
- Zero Liability Protection: - After notifying the bank of the loss of the card, cardholders are released from liability for any unlawful transactions done using the card.
Product Details
- Customers who are Prime members at Amazon receive 5% cashback on all purchases.
- On Amazon, non-Prime customers receive 3% cashback.
- Only purchases made on Amazon India (amazon.in) are eligible for further cashback.
- When using this card with Amazon Pay, you can get 2% cashback at over 100 partner merchants.
- 1% back in cash for additional in-store purchases.
- Reward points are added to the Amazon Pay balance in the form of cashback.
- Reward Points earned on the card and transferred as Amazon Pay balance have no expiration date.
Pros/Cons
Pros
- Those who shop on Amazon frequently will find this card to be very useful.
- With ICICI Bank's Culinary Treats Program, you may get 15% off at more than 2,500 restaurants across India.
- The maximum amount of money that can be earned as cashback on your card from your Amazon Pay balance is not capped.
Cons
- This card is primarily used for Amazon purchases; it offers no other perks, such as lounge access or entertainment credits.
- This card would not be very helpful if you purchase somewhere else than Amazon. If you shop at Flipkart instead of Amazon, you should look at the Flipkart Axis Bank Credit Card.
- Prime members can earn an impressive 5% reward rate on Amazon with the ICICI Amazon Credit Card, while non-Prime members can only earn 3%.
ICICI Bank Amazon Pay Credit Card Cashback
- With a few limitations, Prime members receive 5% cashback on all purchases made on Amazon India.
- Bookings for hotels and flights will also receive 5% off.
- On Amazon, non-Prime customers will receive 3% cashback rather than 5%, with the same restrictions that apply to Prime customers.
- It should be mentioned that only purchases made on Amazon India (amazon.in) are eligible for the 5% or 3% cashback on Amazon.
- Additionally, you receive 2% cashback on purchases made with the credit card with Amazon Pay from over 100 partner merchants. However, this 2% cashback is only available if you utilize the Amazon Pay option on the partner merchant's website; otherwise, the standard 1% cashback will apply.
- All other card transactions—both online and offline—will earn you 1% cashback, with the exception of fuel station spending.
- Instead of earning 5% cashback, Amazon offers only 2% cashback on e-books, gift cards, utility bill payments, loading Amazon Pay balances, DTH, and mobile recharges.
- EMI, Amazon Business, Fuel, and gold purchases are not eligible for reward points or cashback on Amazon.
Redemption of Reward Points and Cashback:
- At the end of each billing cycle, the Reward Points that you earned on your Amazon Pay Bank ICICI Credit Card are automatically applied to your Amazon Pay balance on the Amazon account that is connected to the card.
- For transactions made on Amazon and using the Amazon Pay wallet as a payment option with any merchant, one reward point is equal to Re. 1.
- Your Amazon Pay balance can be used to make purchases on Amazon or at any of the associated retailers who take Amazon Pay as a form of payment.
ICICI Bank Amazon Pay Credit Card Features and Benefits
Welcome Benefits:
As already mentioned, the Amazon Pay ICICI Credit Card is an entry-level co-branded credit card designed specifically to meet the needs of online shoppers who enjoy shopping at Amazon. As an Amazon co-branded credit card, it does provide a high reward rate when shopping at Amazon; however, because it is a very basic credit card, there are not many extra benefits associated with it. For more information, continue reading this Amazon Pay ICICI Credit Card review.
Joining Benefits:
- Get a 50% cashback on prepaid recharges up to Rs. 100.
- Get up to Rs. 200 in cashback when you shop on Amazon.
- Get a 25% discount on postpaid recharges up to Rs. 350.
- Get up to Rs. 250 in reward when you pay your electricity bill.
- Get a 25% discount on DTH recharges up to Rs. 200.
- Get up to Rs. 400 in reward when you recharge your broadband.
- Get a 10% discount on gas cylinder bookings up to Rs. 250.This welcome benefit is applied twice.
Benefits of Dining:
- As part of ICICI Bank's Culinary Treats program, this card saves you at least 15% when paying your bills at all partner restaurants.
Fuel Surcharge Deduction:
- At all petrol pumps in India, receive a 1% fuel surcharge waiver (as long as the total transaction value stays under Rs. 4,000).
ICICI Bank Amazon Pay Credit Card Fees and Charges
- Annual charge: There is no annual or monthly membership charge for the Amazon Pay ICICI Credit Card because it is a lifetime free credit card.
- Interest Rate: For this card, the interest rate ranges from 3.5% to 3.8% each month, or from 42% to 45.6% yearly.
- 2.5% of the transaction value, or a minimum of Rs. 500, is charged as a cash advance fee when you use this card to withdraw cash from ATMs.
- Foreign Currency Mark-up: When using the ICICI Amazon Pay Credit Card for foreign currency transactions, there is a 3.5% mark-up fee that applies to the entire amount transacted.
Amazon Pay ICICI Credit Card Eligibility Criteria
The Amazon ICICI Credit Card was first available by invitation only; only qualified Amazon users could apply for the card after receiving an invitation. However, it is now available to all applicants, and in order to be eligible for an Amazon Pay Credit Card, you must meet the following income-based requirements.- Minimum Monthly Income of Rs. 25,000 for ICICI Bank Customers.
- Minimum Monthly Income of Rs. 35,000 for Other Applicants.
How to Apply ICICI Bank Amazon Pay Credit Card
Before it became available to everyone, the Amazon Pay ICICI Credit card was only available to invitees. You can apply for this card on the Amazon and ICICI Bank official websites Once the KYC verification is finished—which can be done in one of two ways—your application will be processed.- Video Mode: An ICICI bank official will contact you for a video-based verification after you submit your Aadhar card details and PAN card details. You will be asked to answer a few basic questions and present the bank official with the original copy of your PAN card.
- Offline Mode: A bank representative will come to your home to review your documentation when you apply for a credit card and select the offline mode for KYC verification.
How Do I Check the Status of My Application for an Amazon Pay Credit Card at ICICI Bank?
Customer Service Number & Email ID for Amazon Pay ICICI Credit Card
ICICI bank gives its Amazon Pay credit card customers with 24/7 customer care support through phone calls and emails. You can reach the ICICI call center at their 24-hour helpline number 18601207777 or send them an email at customer.care@icicibank.com to report any credit card loss or other card-related issue. If the issue remains unresolved, you can reach their supervisors at headservicequality@icicibank.com.Amazon ICICI Bank Credit Card Review
This credit card is a great choice for people who enjoy shopping online, especially on Amazon, and have a Prime membership because it gives you up to 5% cashback on all purchases made from Amazon India. It is free for life and comes with a lot of exclusive benefits, making it one of the best credit cards in India. What is even more amazing about this credit card is that the reward points are transferred as cashback to your Amazon Pay balance and have an endless validity period.
Here is our review of the Amazon Pay ICICI Credit Card; if you have any questions, please let us know. However, if you travel frequently, this card might not be right for you because it does not provide any travel benefits like air miles or lounge access at domestic or international airports.
FAQs:
With an ICICI Bank Amazon Pay Credit Card, what is the maximum reward possible?
If you are a Prime member, you can earn up to 5% cashback on your Amazon purchases with the Amazon ICICI Credit Card; for non-prime members, the maximum cashback amount is 3%.
What is ICICI Bank Amazon Pay Credit Card customer care toll free number?
To resolve any issues or queries regarding your ICICI Amazon Pay Credit Card, please contact 1800 1020 1239.s.
What are the annual charges for the Amazon Pay ICICI Bank Credit Card?
There is no annual charge for the ICICI Amazon Pay Credit Card, meaning you can use it for free for life.
Is it possible for me to get this credit card without having a CIBIL score?
No, because it is an unsecured credit card, the bank will verify your eligibility for the card by looking up your credit history and CIBIL score before accepting your application.
How much is the Amazon Pay ICICI Credit Card credit limit, and how can I get it increased?
The credit limit on the Amazon ICICI Credit Card varies for each customer based on their income and credit score; typically, it is two to three times the monthly income of the cardholder. In order to request a higher credit limit on your Amazon Pay Credit Card, you must contact ICICI Bank support. Occasionally, a higher credit limit may be automatically pre-approved for your card; in that case, you can choose to increase your credit limit through ICICI online banking or the iMobile Pay app.
My ICICI Amazon Credit Card bill is due. How can I pay it?
There are several ways to settle your ICICI Amazon Pay Credit Card-
- via the iMobile Pay application.
- using ICICI Online Banking.
- via apps from third parties, such as CRED, Paytm, etc.
- by submitting a check to the ICICI Bank branch that is closest to you.
When do you need to pay annual charges for ICICI Bank Amazon Pay Credit Card?
The ICICI Amazon Pay Credit Card has no annual fees because it is a zero annual fee credit card.
Does the ICICI Bank Amazon Pay Credit Card charge late fees?
Depending on the total amount owed, the bank may charge you a late payment fee in addition to interest if you are unable to pay your Amazon ICICI Credit Card account by the deadline.
Total Amount Due / Late Payment Charges
- Less than Rs 100: Zero
- Rs. 501 - Rs. 10,000: Rs. 500
- More than Rs 10,000: Rs. 750
Can I use this credit card anywhere?
Yes, you can make any kind of transaction anywhere with your Amazon Pay ICICI Credit Card.
Amazon Pay ICICI Bank Credit Card
Rating: 5/5
Amazon ICICICredit Card
