Amazon Pay ICICI Bank Credit Card

The Amazon Pay ICICI Bank credit card is a co-branded shopping credit card that was recently launched in partnership with Amazon India on the Visa payment platform. Shortly after its launch, it became one of the favored credit cards for online shoppers in the country. Initially, it was available by invitation only, but now it is open to everyone. What makes this credit card so popular is that the Amazon ICICI credit card rewards you with cashback in the form of Amazon Pay balance, which is displayed in your Amazon Pay account.

This credit card is especially beneficial for Amazon Prime members as they can earn up to 5% cashback on purchases on Amazon, which as you may know, is the largest e-commerce website with over 160 million products. In addition to the Amazon Pay cashback, this card also provides various other benefits such as a 15% discount on dining bills at all ICICI Bank Culinary Treats program participating restaurants and fuel surcharge waiver at all petrol stations across India.

To learn more about this particular co-branded online shopping card, you can read our review of the ICICI Bank Amazon Pay credit card.

• Joining Fee- Nil
• Renewal Fee- Nil
• Best Suited For- Shopping
• Reward Type- Reward Points
• Welcome Benefits- Get welcome benefits worth Rs. 1500 plus 3 months Prime membership

Rewards and Benefits

• Movie & Dining- A minimum of 15% discount on dining bills at restaurants participating in the Culinary Treats program
• Rewards Rate- 5% cashback on Amazon purchases for Prime members and 3% cashback for Non-Prime members, 2% cashback on partner brands & 1% cashback on all other payments except fuel purchases
• Reward Redemption- Reward Points earned transferred to Amazon Pay balance at the end of the payment cycle. 1 Reward Point = Re. 1
• Travel- N/A
• Golf- N/A
• Domestic Lounge Access- N/A
• International Lounge Access- N/A
• Insurance Benefits- N/A
• Zero Liability Protection- Cardholders won’t be liable for any unauthorized transaction made with the card post reporting the loss of card to the bank

Fees & Charges

• Spend based Waiver- N/A
• Rewards Redemption Fee- Nil
• Foreign Currency Markup- 3.5% of the transaction amount
• Interest Rates- 3.5% – 3.8% per month or 42% – 45.6% per annum (variable, based on the customer’s financial behavior)
• Fuel Surcharge- 1% fuel surcharge is waived at all petrol stations across India.
• Cash Advance Charge- 2.5% of the withdrawn amount, subject to a minimum fees of Rs. 300.
• Add-on Card Fee- Nil

Product Details

• Get welcome benefits worth Rs. 1500 plus 3 months Prime membership
• Amazon Prime users get 5% cashback on all purchases made on Amazon (with a few exceptions).
• Non-Prime users get 3% cashback on Amazon, instead of 5%.
• Additional cashback on Amazon is applicable only for purchases made on Amazon India (amazon.in).
• 2% cashback at over 100 partner merchants using this card on Amazon Pay.
• 1% cashback on all other retail transactions, except fuel purchases.
• 1% surcharge waived off on fuel purchases.
• Reward Points transferred as cashback to Amazon Pay balance.
• No expiry date of Reward Points earned on the card transferred as Amazon Pay balance.
• No minimum amount is required for reward redemption (i.e. for transfer of Points to Amazon Pay wallet as
• Amazon Pay balance).
• Dining benefit as part of the bank’s Culinary Treats program.

ICICI Amazon Pay Credit Card Features and Benefits

As mentioned earlier, the Amazon Pay ICICI Bank credit card is an entry-level co-branded shopping credit card specifically designed for online shoppers who prefer purchasing from Amazon. Being a co-branded credit card with Amazon, this card provides high reward rates on purchases made on Amazon. However, since it is a very basic credit card, you don’t receive many additional benefits with this credit card. For more information, keep reading this review of the Amazon Pay ICICI Bank credit card.

Welcome Benefits

You get exclusive welcome benefits worth Rs. 1500 and complimentary 3-months Prime membership with the card. The following welcome benefits are offered –

• Flat Rs. 150 off on your bill payment or first shopping on Amazon
• 20% back up to Rs. 250 on your electricity bill payment
• 50% back up to Rs. 100 on your prepaid mobile recharge
• 25% back up to Rs. 300 on your postpaid mobile bill payment
• 10% back up to Rs. 125 on gas cylinder payments
• 25% back up to Rs. 350 on your broadband bill payment
• 25% back up to Rs. 100 on your DTH recharge

Dining Benefits

This card saves you a minimum of 15% on bill payments at all the member restaurants as a part of ICICI bank’s Culinary Treats program.

Fuel Surcharge Waiver and Cashback

Get a 1% fuel surcharge waiver at all fuel stations across India (provided that the transaction size does not exceed Rs. 4,000).

Amazon Pay ICICI Credit Card Rewards / Cashback

The ICICI Amazon Pay Credit Card, without a doubt, is the best-suited and a must-have card for shopaholic Amazon enthusiasts, especially if you are a Prime member. Well, if you love Amazon, it goes without saying, that you certainly do have a Prime membership! Anyway, the benefits of this card taste sweeter to Amazon Prime members.

• Prime members get 5% cashback on all purchases made on Amazon India (amazon.in), with a few exceptions.
• Non-Prime users will get 3% cashback on Amazon instead of 5% with the same exceptions as applicable for Prime users.
• It should be noted that this 5% or 3% cashback on Amazon is applicable only on purchases made on Amazon India (amazon.in). For purchases from any other Amazon country-specific domain (including amazon.com), the cashback applicable would be 1%, the same as for āny other online transactions.
• You also get 2% cashback on purchases made from over 100 partner merchants using the credit card with Amazon Pay. You will get 2% cashback only if you use the Amazon Pay option at the partner merchant’s website, otherwise, the regular cashback of 1% shall be applicable.
• 1% cashback is applicable on all other transactions made with the card- both online and offline, except payments made at fuel stations.

Exclusions on Cashback

• On Amazon.in, e-books, flight bookings, gift cards, utility bill payments, loading Amazon Pay balance, DTH and mobile recharges earn only 2% cashback instead of 5%
• No reward points/cashback is earned on EMI and gold purchases on Amazon

Reward Points/Cashback Redemption

• The Reward Points earned on Amazon Pay Bank ICICI Credit Card are automatically added to your Amazon Pay balance of the Amazon account linked with the card at the end of each billing cycle.
• 1 Reward Point = Re. 1 (for expenditure on Amazon and all merchants’ Amazon Pay wallet as a payment method).
• Amazon Pay balance can be used for purchases on Amazon or at any of the partner merchants accepting Amazon Pay as a payment method.

 ICICI Amazon Pay Credit Card Fees and Charges

• Annual Fee: Amazon Pay ICICI Credit Card is a lifetime free credit card, i.e. no annual/monthly membership fee is applicable.
• Interest Rate: The interest rate applicable on this card is 3.5% to 3.8% per month (or 42% to 45.6% annually).
• Cash Advance Charge: You are charged a cash advance fee of 2.5% of the transaction amount (or a minimum of Rs. 500) on cash withdrawal from ATMs using this card.
• Foreign Currency Mark-up: A forex mark-up fee of 3.5% of the total transacted amount is applicable on foreign currency transactions made with ICICI Amazon Pay Credit Card.
• Card Replacement Fee: The card replacement fee charged by ICICI Bank is Rs. 100 for issuing a new credit card in lieu of a lost/misplaced credit card.

Eligibility Criteria for Amazon Pay ICICI Credit Card

Initially, the Amazon Pay ICICI Bank credit card was only available through invitation; only eligible Amazon users received an invitation for the card and could proceed with the application process. Now that the card is open for all applicants, before your application for the Amazon Pay credit card is processed, you will need to fulfill the following income-based eligibility criteria:

Documents Required

You will need to submit identity proof, address proof and proof of income for your application for Amazon ICICI Credit Card to be processed. The following documents are accepted as identity/address/income proof-

How to Apply for Amazon Pay ICICI Bank Credit Card

Initially, the Amazon Pay credit card was available only by invitation, but now it is open to everyone. You can apply for this card on the official websites of Amazon or ICICI Bank. After completing the KYC (Know Your Customer) verification, the application is processed. There are two ways to complete the KYC verification for this card:

• Video Mode: You will need to provide your PAN card and Aadhaar card details, after which an ICICI Bank officer will contact you for video-based verification. You will be asked some simple questions, and you will need to show the original copy of your PAN card to the bank officer.
• Offline Mode: After applying for the credit card and selecting the offline mode for KYC verification, a bank officer will visit your address and verify your documents.

How to Check ICICI Bank Amazon Pay Credit Card Application Status?

If you have already applied for this credit card and want to check the status of your application, you will need to log in to your Amazon account and go to the Amazon Pay ICICI Bank Credit Card application page and click/tap on “Check Application Status.”

Activation and PIN Generation:

The Amazon Pay ICICI Bank Credit Card is active by default for domestic transactions. As per RBI guidelines, international and contactless transactions are disabled by default. You can enable your card for international or contactless transactions through ICICI Internet Banking or iMobile app.

The PIN for your Amazon credit card is automatically sent to your registered mobile number once your card is issued. You can also generate your PIN manually by calling the bank’s customer service IVR number 1800 102 0123 or through the iMobile app or ICICI Internet Banking.

Amazon Pay ICICI Bank Credit Card Login / Internet Banking

If you are an existing ICICI Bank customer, your new Amazon Pay credit card will be automatically linked to your current Internet Banking account. However, if you have a standalone credit card, you will need to register it on the ICICI Bank website to activate Internet Banking. Here’s how to activate Internet Banking for your ICICI Amazon credit card:

1. Visit the official ICICI Internet Banking portal.
2. Click on “Get User ID” and on the subsequent screen, select the “Credit Card” option.
3. Fill in all the requested details in the designated fields and complete the registration process.

Alternatively, you can also activate Internet Banking for your credit card through the iMobile app by ICICI Bank.

Amazon Pay ICICI Credit Card Customer Care Number & E-mail ID

ICICI Bank provides 24×7 customer service support to Amazon Pay credit card customers through phone calls as well as email. To report any issues related to card loss or any other card-related problems, you can contact ICICI Bank’s call center at their 24×7 helpline number 18601207777 or send them an email at customer.care@icicibank.com. If the issue remains unresolved, you can reach out to their senior officials at headservicequality@icicibank.com.

Benefits of ICICI Amazon Pay Card

• It is a great lifetime free credit card – no monthly/annual membership fee applies.
• The card offers a high reward rate of 5% on purchases made on Amazon India website/app.
• The Reward Points earned on this card are automatically transferred as Amazon Pay balance to the Amazon account linked with the card at the end of each payment cycle.
• There is no max capping on the Amazon Pay balance that can be earned as cashback on your card.

Disadvantages of Amazon Pay ICICI Card

• The ICICI Amazon Credit Card offers a high reward rate of 5% on Amazon to Amazon Prime members, however, the reward rate on Amazon for non-Prime members is just 3%.
• The reward rate on other non-partner spends is very less- just 1% of the purchase amount.
• This Credit Card does not offer any travel benefits like complimentary lounge access at airports or railway stations.

Conclusion:

For those who prefer online shopping, especially on Amazon, and have a Prime membership, there may not be a better credit card option than the ICICI Bank Amazon Pay Credit Card. It offers cashback of up to 5% on all purchases from Amazon India. With so many exclusive benefits and the advantage of a lifetime free credit card, it can be considered one of the best credit cards in India. Another aspect that makes this credit card so special and attractive is that the reward points are transferred to your Amazon Pay balance as cashback, and their validity is unlimited.

However, if you frequently travel, this card may not cater to your needs as it does not provide any travel benefits such as air miles or lounge access at domestic or international airports. This was our review of the Amazon Pay ICICI Bank Credit Card. If you have any questions regarding this card, please let us know in the comments section.

Additionally, don’t forget to share your thoughts and opinions on the Amazon Pay ICICI Bank Credit Card in the comments section.