Amazon Pay ICICI Credit Card Review: What You Need to Know

Amazon Pay credit card is an entry-level co-branded card issued by ICICI Bank.

Similar to many co-branded cards, the sourcing (applying) of the card is done by the co-brand partner, in this case, Amazon while the bank ICICI backs it up with backend infrastructure and banking license.

Learn about its features, benefits, fees, eligibility, and how to apply.

Joining benefit

Joining benefits vary from time to time depending on the scheme running.

Typically Prime members get a higher cashback on applying than non-Prime members. If you’re not an Amazon Prime member, it might help to take advantage of their 30-day trial before applying.

A lot of customers, including me, got Rs. 750 cashback as joining benefit which was credited to Amazon Pay Balance on application approval.

Reward Points

For Amazon Prime members, you get 5% cashback on all non-EMI purchases made on Amazon. Everything except for flight bookings, movies, e-books, gift cards (both physical and digital), loading Amazon Pay balance, utility bill payments, mobile & DTH recharges, etc. For those, you still get a reasonable 2%. Non-Prime customers get 3% cashback instead of 5%.

For purchases anywhere other than Amazon, you get 1% cashback. There is no cashback on gold purchases on Amazon, EMI, and fuel transactions. One of the best uses of this card is loading wallet at 2% cashback and then paying using Amazon Pay at hundreds of websites.

There is no limit to how much you can accrue. Reward points are automatically transferred to your linked Amazon account within 2 days of statement generation. Each Reward Point is worth ₹1. There are no redemption charges nor expiry of accrued reward points.

Even though 5% cashback seems like an attractive proposition, it still doesn’t beat HDFC’s Smartbuy 10X ongoing offer which gives way higher returns on the amount spent on Amazon using HDFC premium cards like Regalia, Diners Club or Infinia.

No Cost EMI

Always available No Cost EMI is a key feature of this card. Any purchase of Rs. 3000 or more on Amazon can be bought using 3 or 6-month No Cost EMI.

Unlike No Cost EMI from other credit cards where interest is refunded back as upfront discount and GST is levied on interest amount that you need to pay, with this card, there is no interest charged using Amazon Pay ICICI card and hence no GST is levied on interest making it a true No Cost EMI.

Note that No Cost EMI is only available for normal Amazon purchases and not available for Amazon Pantry and Amazon Fresh. Also, no cashback is accrued for EMI purchases.

To avail No Cost EMI, in Payment Methods, select Amazon Pay ICICI card, open drop-down, and choose a payment tenure.


This card is issued Life Time Free as a standard product pricing.

There are no joining fees or renewal fees that need to be paid irrespective of how much you spend (or don’t spend) on this card.

Even though there are no card fees, to get 5% cashback on Amazon spends you will need to subscribe to Amazon Prime year after year, indirectly paying fees for this card and getting hooked to Amazon ecosystem, enjoying other Prime benefits like Free Shipping, Prime Video, Amazon Music and exclusive Prime-only offers.


This card is 'invite-only', which means you can only apply for this card if Amazon 'invites' you.

If you're eligible, you'll receive an email on your Amazon registered email address or see a banner when browsing Amazon. You can also check your eligibility at this link.

To apply there is no income proof needed, nor is this card issued on Card to Card basis.

If you have an existing relationship with ICICI, it might help to add any existing ICICI credit or debit card you have in Payment Options and update the mobile number registered in Amazon to the one registered with ICICI Bank.

How to Apply




On applying, if you have an existing ICICI credit card relationship, you’ll be approved instantly and will be able to use the digital version available in net banking and mobile banking almost immediately. Your 4-digit PIN is sent through SMS to your registered mobile number. The credit limit will be common, shared across all your ICICI credit cards. No documents, including KYC, are needed since the bank already has them on file.

If you don’t have an existing ICICI credit card, you’ll need to fill up the details and confirm which documents you’ll be providing for KYC. Post online form submission, an executive from ICICI Bank will visit to verify your address and collect KYC documents (PAN card, address proof) within 7 working days.

Be careful not to fill the form incorrectly as the details cannot be changed once you submit your application. You’ll receive an Application Number that you can use to track your card status either on the Amazon website or by calling 1800 102 0123 using your registered mobile number.

The physical card will be delivered within 7 working days. It carries a similar brushed metal finish found in its American counterpart, Chase Amazon Prime Rewards which is an actual metal card. In India, only the metal finish is there though and the card itself is made of plastic, but for an entry-level card, it still looks great.


Other cards with similar value offerings are OLA Money SBI credit card and Flipkart Axis Bank credit card. There’s also American Express SmartEarn™️ credit card that gives 5X RPs and SimplyCLICK SBI credit card which gives 10X RPs on Amazon purchases respectively.

If you don’t have an ICICI credit card in your wallet, this is a great option to be able to enjoy ICICI partner tie-up offers that come frequently.

Whether you already have an existing ICICI credit card or this is a first, Amazon Pay ICICI credit card is definitely a keeper card.

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