Amazon Pay ICICI Credit Card: LTF Fees, Cashback, Rewards & Benefits
Amazon Pay ICICI Credit Card: Key Features
ICICI Bank currently lists the Amazon Pay ICICI Bank Credit Card with no joining fee and no annual fee. The bank also lists non-expiring rewards, a 1.99% forex markup and a 1% fuel surcharge waiver.
| Feature | Current information |
|---|---|
| Joining fee | ₹0 |
| Annual fee | ₹0 |
| Amazon — Prime | 5% back on eligible Amazon purchases |
| Amazon — Non-Prime | 3% back on eligible Amazon purchases |
| Amazon Pay categories | 2% back on eligible categories |
| Other eligible spends | 1% back |
| Forex markup | 1.99% |
| Fuel surcharge waiver | 1% |
| Rewards | Credited as Amazon Pay balance |
Cashback & Rewards
The reward structure is tiered rather than a flat cashback rate. Amazon Prime members can earn 5% back on eligible Amazon India purchases, while non-Prime cardholders can earn 3%. ICICI also lists 2% back on eligible Amazon Pay partner categories and 1% back on eligible other spends.
Amazon shopping
- Prime members: 5% back on eligible Amazon purchases.
- Non-Prime members: 3% back on eligible Amazon purchases.
Amazon Pay categories
ICICI lists 2% back on eligible Amazon Pay categories and partner merchants. The applicable transaction conditions matter, so the headline 2% rate should not be interpreted as a universal rate for every Amazon Pay transaction.
Other eligible spending
ICICI lists 1% back on eligible payments outside Amazon, subject to the exclusions in the card's terms.
Travel & International Spending
Since October 11, 2025, ICICI says the card's forex markup is 1.99%, reduced from 3.5%. The bank also states that eligible flights and hotel bookings through Amazon Pay earn 5% for Prime members and 3% for non-Prime members.
This makes the card more relevant for users who already use Amazon Pay for travel, although the card should not be treated as a dedicated premium travel card.
Fees & Charges
| Charge | Current information |
|---|---|
| Joining fee | Nil |
| Annual fee | Nil |
| ATM withdrawal | 3.75% interest per month on the withdrawn amount |
| Late bill payment | ₹100–₹1,300, according to the current product page |
The card being lifetime free only addresses the joining and annual fee. Interest, late-payment charges, cash-advance charges and other applicable charges can still apply. ICICI directs customers to its Most Important Terms and Conditions (MITC) for the complete schedule.
Eligibility
ICICI currently states that applicants must be Indian citizens aged at least 21. Its product page lists a monthly income requirement of at least ₹30,000 for both salaried and self-employed applicants and describes the programme as invite-only. Eligibility is ultimately determined by the bank.
Pros & Cons
Pros
- No joining fee.
- No annual fee.
- Up to 5% back on eligible Amazon purchases for Prime members.
- Non-expiring rewards according to ICICI's product information.
- 1.99% forex markup.
- Rewards are credited as Amazon Pay balance.
Things to consider
- The programme is currently described as invite-only.
- Reward rates depend on the transaction category and eligibility.
- Several transaction types are excluded from rewards.
- It is primarily an Amazon/Amazon Pay rewards card rather than a general premium travel card.
Who Is This Card For?
This card is particularly relevant if you:
- Shop frequently on Amazon.
- Already maintain an Amazon Prime membership.
- Want a card with no annual fee.
- Prefer Amazon Pay balance as the reward format.
- Want a relatively low forex markup compared with many mainstream cards.
Who May Want to Look Elsewhere?
If most of your spending happens outside Amazon, the headline Amazon reward rate may be less important. A card designed around general cashback, travel rewards, UPI spending or another specific category may fit a different spending pattern.
Important Reward Exclusions
The issuer's current FAQ identifies several categories that do not earn rewards, including gold and silver, tax-related payments, EMI purchases on Amazon, rent transactions and fuel. ICICI also describes additional category-specific exclusions and conditions, so the latest issuer terms should be checked before relying on a particular reward rate.
Frequently Asked Questions
Is the Amazon Pay ICICI Credit Card genuinely lifetime free?
ICICI currently lists both the joining fee and annual fee as nil. On that basis, it fits the site's working definition of an LTF card, subject to the issuer's current terms and eligibility.
How much can Prime members earn on Amazon?
ICICI currently lists 5% back on eligible Amazon purchases for Prime members. Specific exclusions apply.
How much do non-Prime members earn?
ICICI currently lists 3% back on eligible Amazon purchases for non-Prime cardholders.
Does the card have a foreign transaction fee?
Yes. ICICI currently lists a 1.99% forex markup for the card.
Do Amazon Pay rewards expire?
ICICI currently describes the card's earnings as non-expiring and states that earnings are credited to the Amazon account as Amazon Pay balance.
Is the card available to everyone?
ICICI currently describes the programme as invite-only and lists eligibility requirements including age and income criteria. Approval remains subject to the bank's assessment.
Our LTF Assessment
We classify this as an LTF card based on the issuer's current fee information. That classification does not mean all services are free, and it does not remove the need to verify current terms before applying.
This page was checked against ICICI Bank's current Amazon Pay ICICI Bank Credit Card product information and FAQ. Credit-card fees, rewards, exclusions and eligibility can change. The issuer's current documentation should be treated as the final source before applying.
Last verified: 2 October 2026 Issuer: ICICI Bank / Amazon Pay