Hey guys do you need an in-depth review of Amazon Pay ICICI credit card in 2022? Do you know you can earn unlimited cashback with this Amazon co-branded credit card?
Today, in this blog post I will share Amazon Pay ICICI Credit card review, benefits and pros & cons of this card. So read this blog post completely to know full information about Amazon Pay credit card.
Amazon Pay credit card is a co-branded credit card launched by Amazon in partnership with ICICI bank. Also this is the most issued credit card of ICICI bank and it has more than 3 million users.
Amazon Pay ICICI credit card is a cashback credit card which has good cashback reward rate on your Amazon spending. Amazon Pay credit card gives you unlimited cashback in real. Prime users will earn unlimited 5% cashback and non-prime users will earn unlimited 3% cashback on your Amazon spendings. And you will earn flat 1% unlimited cashback on other spends.
Overview
| Joining fee | Nil |
| Suitable for | Online shopping |
| Reward type | Cashback |
| Reward rate | 1% to 5% |
| Lounge access | No |
| Annual fee | Nil |
| Welcome benefits | Amazon Pay Cashback & Special offers |
| Eligibility | Minimum age- 21 years, Minimum income- ₹15000/month |
Design: Matt finished plastic material which looks beautiful. Numbers are printed on the front side. Amazon pay credit card looks like a normal ICICI platinum credit card (same colour) but the numbers are printed in a different style.
Fees & Charges
| Joining fee | Zero |
| Renewal fee | Zero |
| Reward redemption fee | Zero |
| Foreign currency markup | 3.5% of transaction amount |
| Interest rate | 42% to 45.6% per annum |
| Addon card | 3 Free addon card |
| Cash advance | 2.5% of withdrawn amount (minimum ₹300) |
Amazon Pay Card Rewards
You can earn up to 5% rewards with your Amazon Pay ICICI credit card. 1 Reward point is equal to 1 rupee, Below I have shared where and how much rewards you will earn with your Amazon Pay ICICI card.
Reward Rate & Benefits
| benefits | features |
|---|---|
| cashback benefit | 5% cashback on Amazon for Amazon Prime customers 3% cashback on Amazon for non-prime customers 2% cashback on 100+ Amazon Pay partner merchants by using this card on Amazon Pay 1% cashback on all other retail transactions |
| fuel surcharge waiver | 1% fuel surcharge waiver on fuel transactions |
| dining delights | with ICICI Bank Culinary Treats Program, get a 15% discount on dining bills at partner restaurants |
| security benefit | the embedded microchip provides security against counterfeiting and duplication of cards |
How To Redeem Rewards
It is very easy to redeem reward points of your Amazon pay ICICI credit card. The accumulated reward points will be credited to your Amazon pay balance within 2 working days of bill generation. You can use these Amazon pay balances on Amazon site or at any partner merchant where Amazon pay is accepted.
Also Read: SBI Cashback Credit Card Review
Offers on Amazon
All prime members will earn a flat 5% cashback on spending on Amazon and non-prime members will earn 3% cashback. Both prime and non-prime users will earn a flat 2% cashback on recharge & bill payments on Amazon. Both users will earn a flat 4% cash back at partner sites like Swiggy etc.
During festive seasons you will get a 5% discount and 5% cashback.
You can use this card on Flipkart to get a 10% discount (if Flipkart partners with ICICI bank) during the festive seasons.
Special Offers
Dining offers a 15% discount on dining bills at restaurants participating in the culinary treat program.
Partner site: 4% cashback on transactions done at partner sites like Swiggy etc.
Lifetime Free Card
Amazon Pay ICICI credit card is a lifetime free (LTF) credit card means it no joining fees and no annual fees. No spending target to waive off renewal fees. This card is loaded with huge offers without any liability of renewal fees. It is one of the best lifetime free credit card in the list published by me on KeneFi.
How To Apply
On Amazon.in website and Amazon app you will see a banner of Amazon Pay ICICI credit card. Just click on apply now button and proceed further. Fill basic details like name, date of birth, income and address etc. To help you I have given direct link to apply Amazon pay ICICI credit card. Just click on apply now button below and continue.
Eligibility
- Indian citizen
- Self-employed & salaried person
- Minimum income: ₹15000/month for salaried and ₹25000/month for self employed
- Age: 18 to 60 years
Joining Benefit
- 50% cashback up to ₹1000
- ₹200 cashback on 1st bill payment Or shopping
- 3 month Easy diner prime membership
- 20% cashback up to ₹250 on electricity bill
- 10% cashback up to ₹125 on gas cylinder booking (twice)
- 15% cashback upto ₹150 on giftcard purchase (twice)
- 25% cashback upto ₹300 on broadband bill payment
Amazon regularly change joining benefit offers on Amazon pay credit card so check on Amazon app & website before applying.
Pros
- Lifetime free card
- No cost EMI offers on many products on Amazon
- No reward redemption fees
Cons
- No complimentary lounge access
- Cashback is different for prime & non-prime users
- Rewards credited to Amazon pay balance
Conclusion
Amazon Pay ICICI credit card is a top credit card of ICICI bank and this card has more than 3 million users. You will always earn 1% cashback on your other spends except selected categories like fuel, wallet load and rent payments etc. Prime users will earn flat 5% cashback and non-prime members will earn 3% cashback on Amazon orders which is very attractive.
Again this card has no joining fee and no annual fee. Means huge offers without any liability of annual fees.
If you order regularly from Amazon then this Amazon Pay ICICI credit card is designed for you. And if you want 5% cashback on all of your online spending then you may go for SBI cashback credit card.
What is the maximum cashback you can earn using Amazon Pay ICICI Credit Card?
You can earn upto 5% cashback (rewards) on your spending using Amazon Pay credit card. There is no upper limit on cashback, so you can earn unlimited cashback with Amazon pay credit card. But you should not misuse it unless Amazon & ICICI bank may block your credit card.
What are the documents required to apply Amazon Pay ICICI credit card?
You will need to show an identity proof (like Aadhaar card, Voter card, DL), PAN card and income proof (Salary slip or ITR acknowledgemwnt). Your KYC will be completed via video call or a bank agent may visit you to collect documents. In some cases Amazon pay credit card will ve approved instantly without any verification.
What is the customer care number of Amazon Pay ICICI Credit Card?
Amazon Pay ICICI Credit card customer care number is 180010201239. For any queries/complaint regarding your Amazon Pay credit card you can call on this number.
What is annual charges for Amazon Pay ICICI credit card?
Amazon Pay credit card is a lifetime free credit card. It has no joining fee and no annual fees.
I have an ICICI bank credit card can I get an Amazon Pay ICICI credit card?
If you have an existing ICICI bank credit card then definitely you will get an Amazon pay credit card with Instant approval. But you should use your ICICI bank credit card for 3-6 months before applying Amazon credit card. Your Amazon pay credit card will be aaded as a secondary card and your credit limit will be shared.
What will be the credit limit of Amazon Pay ICICI credit card?
Credit card limit is an internal thing of banks. Generally, Amazon pay credit card limit is 2-3 times of your current monthly income. If you get this as secondary card then your primary card limit will be shared.
Thank you guys fir reading this Amazon Pay ICICI credit card review completely. I have tried my best to share authentic information about Amazon pay credit card, it’s charges and benefits. I hope this was helpful for you. Kindly share this blog post with others on your social media.
You can connect with us on Facebook, Twitter, Instagram & Pinterest and subscribe to our YouTube channel for regular videos on credit card, banking products in Hindi.