GainFairGainFairFor Every Fair Choice.
Independent card analysis

Amazon Pay ICICI Bank Credit Card

ICICI Bank · Visa · Entry card

A simple no-fee card for eligible Amazon spending, with rewards automatically credited as Amazon Pay balance.

Best suited to

Amazon Prime shoppers who want a no-fee card and are comfortable receiving rewards as Amazon Pay balance.

Authored and reviewed by GainFair
Terms checked 14 Sept 2026
Annual fee
Lifetime free
Joining fee
₹0
Base reward rate
1%
Forex markup
2.0%

Reward rates by spending category

Named merchant rates apply only to eligible purchases with that merchant. The category table uses conservative rates for other spending.

Named merchant rates

Amazon
3%
CategoryRecorded rate
Online shopping
1%
Dining & delivery
1%
Travel & hotels
1%
Groceries & essentials
1%
Subscriptions & streaming
1%
Beauty & wellness
1%
Entertainment & movies
1%
Offline store shopping
1%
Insurance premiums
1%
Healthcare & pharmacy
1%
Other miscellaneous
1%
Bills & utilities
0%
Fuel & commute
0%
International spending
0%
House rent
0%
Education & family
0%

Caps and fee waiver

Reward caps
No general cap recorded
Annual fee waiver
Not needed
Monthly income requirement
Approx. ₹20,000/month salaried · ₹30,000/month self-employed

Airport lounge access

No complimentary airport lounge access recorded

Benefit details

Benefits & conditions

Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.

Rewards and cashback · 7 items

  • Prime Amazon and travel rewards

    Usage-based value

    5% Amazon Pay balance requires active Prime membership and an eligible Amazon shopping or Amazon Pay travel transaction.

    Conditions: 5% Amazon Pay balance requires active Prime membership and an eligible Amazon shopping or Amazon Pay travel transaction.

    Status: verifiedReviewed: 2026-09-14Official source ↗

  • Non-Prime Amazon and travel rewards

    Usage-based value

    3% Amazon Pay balance applies to eligible Amazon shopping or Amazon Pay travel without confirmed Prime membership.

    Conditions: 3% Amazon Pay balance applies to eligible Amazon shopping or Amazon Pay travel without confirmed Prime membership.

    Status: verifiedReviewed: 2026-09-14Official source ↗

  • Amazon Pay category rewards

    Usage-based value

    2% Amazon Pay balance requires an eligible Login and Pay with Amazon, digitally fulfilled, or physical gift-card transaction; rent, tax and education are excluded.

    Conditions: 2% Amazon Pay balance requires an eligible Login and Pay with Amazon, digitally fulfilled, or physical gift-card transaction; rent, tax and education are excluded.

    Status: verifiedReviewed: 2026-09-14Official source ↗

  • Other eligible Amazon Pay rewards

    Usage-based value

    1% Amazon Pay balance applies to eligible purchases outside Amazon; fuel, rent, tax, education, utilities and international transactions are excluded.

    Status: verifiedReviewed: 2026-09-14Official source ↗

  • Unlimited 5% rewards on eligible Amazon purchases for Prime members; 3% for non-Prime members

    Shown without a cash value
    Status: verifiedReviewed: 2026-09-14Official source ↗

  • 2% rewards on eligible digitally fulfilled categories, physical gift cards and Login and Pay with Amazon transactions

    Shown without a cash value
    Status: verifiedReviewed: 2026-09-14Official source ↗

  • Rewards are credited as Amazon Pay balance within two working days after each billing cycle

    Shown without a cash value
    Status: verifiedReviewed: 2026-09-14Official source ↗
Fees · 2 items

  • Lifetime-free annual fee

    Recorded value ₹-0

    No annual card fee is recorded under the currently reviewed terms.

    Status: verifiedReviewed: 2026-09-14Official source ↗

  • No joining fee or annual fee

    Shown without a cash value
    Status: verifiedReviewed: 2026-09-14Official source ↗
Foreign-currency charges · 1 item

  • Foreign-currency markup

    Usage-based value

    1.99% foreign-currency markup before applicable tax.

    Conditions: Applies to eligible foreign-currency transactions

    Status: verifiedReviewed: 2026-09-14Official source ↗
Eligibility and availability · 1 item

  • Restricted application availability

    Shown without a cash value

    Application availability: invite only. Minimum age is 21; application access is invitation-only.

    Status: verifiedReviewed: 2026-09-14Official source ↗
Other categories (14)

These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.

What stands out

  • ✓ No joining fee or annual fee
  • ✓ Unlimited 5% rewards on eligible Amazon purchases for Prime members; 3% for non-Prime members
  • ✓ 2% rewards on eligible digitally fulfilled categories, physical gift cards and Login and Pay with Amazon transactions
  • ✓ Rewards are credited as Amazon Pay balance within two working days after each billing cycle

What to watch

The 5% Amazon rate requires Prime membership; non-Prime members get 3%. International, education, fuel, rent and tax transactions earn no rewards. Utility payments outside Amazon and EMI transactions also earn no rewards. The card is invite-only.

Recorded exclusions

Rent · Gold purchase · Fuel Commute · International Spend · Education Family · Bills Utilities · Tax payments

How GainFair evaluates this card

The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.

Ask the advisorApply ↗Read the methodology
Similar alternatives

Compare against

These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.

AU Small Finance Bank LIT Credit Card
AU Small Finance Bank · Entry
Compare side by side →
Axis Bank super.money RuPay Credit Card
Axis Bank · Entry
Compare side by side →
IOB ZET Credit Card
Indian Overseas Bank · Entry
Compare side by side →

Issuer sources

Open the sources used for this card's product details, rewards, fees and eligibility.

Product, Rewards, Fees, Eligibility ↗Change notice ↗Change notice ↗

Sources checked 14 Sept 2026 · Latest recorded change effective 11 Oct 2025