Earlier mentioned, the 5% cashback is exclusively available to Amazon Prime members. However, the Prime membership is not included with the card except as a three-month activation benefit. To fully benefit, users must purchase the Rs. 1,499 membership. This card is free for life, and Amazon loyalists can maximize benefits with the accompanying Prime perks in shopping and entertainment. While the Amazon Pay ICICI Credit Card was among the first cashback cards in India and gained attention, other cards like Cashback SBI Card and Axis Ace Credit Card offer higher cashback rates in various categories. Additionally, the Flipkart Axis Bank Credit Card competes closely with the Amazon card, providing similar benefits on Flipkart.

Features & Benefits of Amazon Pay ICICI Credit Card

Here are the features and benefits of the Amazon Pay ICICI Credit Card:

1. No annual or joining fee
2. Unlimited reward points with no cap
3. Reward points do not expire
4. Redeem points at over 100 Amazon Pay partner merchants and Amazon.in
5. Enjoy interest-free EMIs for three or six months on Amazon.in
6. Each reward point (1 point = 1 rupee) is converted to cash in Amazon Pay automatically

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The reward structure of the card can be summed up as follows:

Cashback at a rate of 3.00% is offered on groceries, flight tickets, mobile phones, and more when using Amazon. A cashback rate of 2.00% is applicable for recharges, bill payments, and adding money on Amazon. For transactions outside Amazon, a 2.00% cashback is available for categories like entertainment, health, and food when utilizing Amazon Pay. Additionally, a 1.00% cashback is provided for non-Amazon transactions using Amazon Pay for expenses such as dining, furniture, groceries, fuel, and gold. Customers are welcomed with rewards worth Rs.1,700 and a complimentary three-month EazyDiner Prime Membership valued at Rs.1,095. Furthermore, there is a cashback of Rs.150 for bill payments on Amazon or first-time shopping, 50% cashback up to Rs.100 on prepaid recharges, and 20% cashback up to Rs.250 on electricity bill payments. Customers can also enjoy cashbacks ranging from 25% to Rs.350 on broadband bill payments, up to Rs.125 starting from 10% on gas cylinder payments, and up to Rs.300 starting from 25% on postpaid bill payments.

Fees & Charges

Amazon Pay ICICI Credit Card Privilege

Dining benefits: Benefit from a discount of at least 15% at participating restaurants in the Culinary Treats program.

Fuel benefits: Receive a waiver on the 1% fuel surcharge at all petrol stations throughout India.

Safety measures: The card is equipped with a microchip to prevent counterfeiting and duplication issues. The Personal Identification Number (PIN) provides extra security. Benefit from the security advantages of 3D Secure during online transactions.

Eligibility Criteri

The eligibility criteria for Amazon Pay ICICI credit card are as follows:

Also Read HSBC Visa Platinum Credit Card 

Documents Required

The following documents are required for Amazon Pay ICICI credit card:

Pros & Cons

Pros

• Decent welcome benefits at Nil joining fee
• High cashback rate for Prime members
• Multiple associated partners, spends on these earn 2% cashback
• Lifetime free with no cap on cashback earning
• No hassle of reward point redemption, as cashback is directly credited to the Amazon Pay wallet
• Includes everyday spends like wallet reloads, bill payments for cashback earning

Cons

• Zero benefits on travel, entertainment or any other category apart from shopping
• Not suited for international usage as foreign currency mark-up fee is high (3.5%)
• Low cashback rate for non-prime holder
• Prime membership offered for just three months

How Does Amazon Pay ICICI Credit Card Works?

Below are the functionalities provided by the Amazon Pay ICICI Credit Card:

• Grants a 2.00% cashback for transactions made at over 100 partner merchants
• Provides a 3.00% cashback for non-Amazon Prime members on Amazon India
• Offers a 1.00% cashback across various categories like travel, dining, insurance payments, shopping, etc.
• Allows customers to access the PAYBACK website or app to browse the redemption catalogue automatically.

How to Apply for Amazon Pay ICICI Credit Card?

Here are the steps to apply for Amazon Pay ICICI Credit Card:

1. At first, this card was exclusively available to chosen customers by invitation. ICICI customers who had been utilizing the Amazon.in mobile app received the invitation via push notification and email from the Amazon app.
2. Upon meeting the eligibility requirements, the customer can request the card. Initially, the customer will be provided with a digital card ready for use, followed by the dispatch of the physical card through a courier service.
3. Nevertheless, a person has the option to access the ICICI Bank website and navigate to the Amazon Pay ICICI Credit Bank page located in the ‘Product’ section. By clicking on the ‘Apply Now’ button on this page, the individual will be directed to Amazon.
4. An individual has the option to open the Amazon.in app on their smartphone or web browser and navigate to the ‘Amazon Pay’ section in the main menu to verify eligibility and apply as needed.
5. The card will also be made available to other customers in the coming months.

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Differences Between Amazon Pay ICICI Credit Card and Flipkart Axis Bank Credit Card

Amazon Pay ICICI Credit Card Images