Key Features & Benefits
- ✦5% cashback on Amazon.in for Amazon Prime members
- ✦3% cashback on Amazon.in for non-Prime members
- ✦2% cashback at 1,000+ Amazon Pay partner merchants
- ✦1% cashback on ALL other spends — no cap, no expiry
- ✦Cashback credited as Amazon Pay balance every month-end
- ✦No joining fee, no annual fee — completely free for life
- ✦Instant virtual card available for immediate online use
- ✦EMI on all Amazon purchases with no-cost EMI options
- ✦Add to UPI and use at physical stores via QR
- ✦Fraud protection and zero liability on lost card
- ✦No minimum spend to earn cashback
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Welcome & Joining Benefits
- ✦Instant virtual card issuance for Amazon use
- ✦Initial Amazon Pay balance bonus (periodic offer — check at application)
Milestone Benefits
- ✦No specific milestone benefits listed
Pros & Cons
✓ Advantages
- ✓India's best lifetime free cashback card — no competitor matches this
- ✓5% on Amazon is the highest cashback available on the platform
- ✓Works at 1,000+ Amazon Pay partner stores (Big Bazaar, Cleartrip, Ola, etc.)
- ✓1% on everything else — truly universal cashback
- ✓Instant cashback credited as Amazon Pay balance — no redemption friction
- ✓Contactless + UPI enabled for physical store use
✗ Disadvantages
- ✗Cashback locked to Amazon Pay ecosystem — cannot be withdrawn as cash
- ✗No lounge access
- ✗3.5% forex markup — not for international use
- ✗Best rate only for Amazon Prime members
- ✗Not useful if you rarely shop on Amazon
Frequently Asked Questions
Is this card truly free forever?▼
Yes — the Amazon Pay ICICI Bank Credit Card has no joining fee and no annual fee. There are no hidden charges to keep the card. It is genuinely free for lifetime.
Does the 5% apply to all Amazon categories?▼
The 5% applies to most Amazon.in product categories for Prime members. Gift card purchases, wallet top-ups, and certain services may be excluded. Check Amazon's T&C for the latest exclusion list.
How is the cashback credited?▼
Cashback is automatically credited to your Amazon Pay balance within 2 days of each transaction. It can be used to pay for any order on Amazon or at Amazon Pay merchant outlets.
Who are Amazon Pay partner merchants?▼
Partners include Big Bazaar, Cleartrip, Redbus, MakeMyTrip, IRCTC, Ola, Swiggy, Zomato, Myntra, and 1,000+ other merchants who accept Amazon Pay. The 2% cashback applies at all these.
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