ICICI Bank Amazon Pay ICICI Bank credit card
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Amazon Pay ICICI Bank credit card

Lifetime free: 5% on Amazon for Prime members, 2% at Amazon Pay partners, 1% elsewhere.

43
Personal score43/100● Weak fit
Recurring net savings₹4,742/yrafter fee, GST and caps · bills paid in full
First-year value₹6,742incl. ₹2,000 welcome
Effective savings rate1.5%on ₹3,26,640 card spend · 6% = full marks
Annual fee (incl. GST)Free for lifeno fee, ever
Lounge access✈ noneyou can use 0 of your visits
PersonaliseOfficial page ↗

Source: ICICI Bank – Amazon Pay Credit Card · last reviewed 2026-09-12

Estimates for Typical Indian cardholder (₹32k/month) example profile · bills paid in full · first-year offers shown separately.

Why it fits – and what to watch

hover any tile for the detail
₹2,006/yrBase rate 1% on other spends
₹0Lifetime free
0/2lounge visits covered
1/1lifestyle perks matched
₹36,000earns nothing (fuel)

! No usable lounge access although you asked for it.

Where the money comes from

₹4,742/yr · 1.5%
Base rate 1% on other spendson ₹2,00,640₹2,006
5% on Amazon.in (Prime members; 3% without…on ₹25,200₹1,260
2% on bills & recharges via Amazon Payon ₹30,000₹600
2% at 100+ Amazon Pay partner merchants…on ₹16,800₹336
1% on insuranceon ₹18,000₹180
Excluded categories (no rewards)on ₹36,000₹0
Fuel surcharge waiver₹360

UPI QR spend is left out – not a RuPay card (UPI is counted once, on RuPay cards only).

How the score of 43 is built

weights total 100% · methodology
Net savings rate24/100 × 55%13.3
Usable lounge access0/100 × 15%0.0
Redemption flexibility100/100 × 10%10.0
Lifestyle fit100/100 × 10%10.0
Simplicity100/100 × 5%5.0
Fee safety100/100 × 5%5.0

Airport lounges with this card

This card has no complimentary lounge access. Find cards that get you in →

Card facts

💳 Base earn1%value on eligible spend
⚡ Accelerated5% 5% on Amazon.in 2% 2% at 100+ Amazon Pay…2% 2% on bills & recharges…1% 1% on insurance
🚫 No rewards onfuelrenteducation
🏷️ FeesLifetime free
🎁 Welcome (year 1)≈ ₹2,000₹2,000 Amazon Pay welcome rewards (Prime)
🏁 Milestonesnone
✈️ Lounge✈0 dom🌏0 intlNone
🌏 Forex markup3.5%+ GST on the markup
🔁 Redemption₹1/Amazon Pay balance ★★★★★Credited as Amazon Pay balance – spendable on Amazon, bills, flights, stores.
🧩 Simplicity★★★★★set and forget
🎯 Lifestylefuel waiver
🪪 EligibilityIncome ₹3L+/yr; instant issuance for many Amazon users

At a glance

  • No fee, ever
  • Uncapped 5% on Amazon
  • Zero redemption effort
  • No lounge access
  • Only 1% outside Amazon
  • Needs Prime for the full 5%

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Community Q&A on the Amazon Pay ICICI Bank

Threaded questions from cardholders · the Advisor can add a computed answer.

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Frequently asked questions

What is the annual fee of the ICICI Bank Amazon Pay ICICI Bank?

It is lifetime free – no joining or renewal fee.

Does the Amazon Pay ICICI Bank give airport lounge access?

No lounge access. None.

How much can I save with the Amazon Pay ICICI Bank?

For our example profile (Typical Indian cardholder (₹32k/month)) the recurring net saving is ₹4,742 a year, an effective savings rate of 1.5% after the fee. Use Find My Card to see your own number – it depends on where you spend and which caps you hit.

What are the Amazon Pay ICICI Bank's reward exclusions and caps?

No rewards on fuel, rent, education. No monthly caps on the main earn rates.

Sources

Reviewed 2026-09-12. Point values are our realistic estimates – see methodology.