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ICICI Bank · Updated 04 Jul 2026

ICICI Amazon Pay Credit Card

Best for: Amazon and no-fee cashbackAnnual fee: ₹0Approval: Easy–medium
Beginner FriendlyLow fee
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Decision 01

Community Verdict

Current verdict

ICICI Amazon Pay is a credible option for amazon and no-fee cashback, but the fee and reward rules should match your actual spending pattern.

Best for
Online shopping, app-based spends, and people who prefer simple cashback.
Avoid if
You spend mostly offline, need lounge access, or use commonly excluded categories.
Users like
Simple cashback and strong value across many online merchants.
Users dislike
Changing exclusions, approval uncertainty, and sometimes low starting limits.
Most compared with
HDFC Millennia, ICICI Amazon Pay
At a glance

Practical scores

Community signals for everyday decision-making—not financial ratings.

7.5/10Reward value
6.5/10Approval ease
6.8/10Fee recovery
7.2/10User satisfaction
6/10Hidden complexity
Terms that matter

Rewards and fees

Annual fee₹0
Renewal fee₹0
Fee waiver₹2L annual spends
Online rewardVaries by spend category
Offline rewardBase earn rate applies
Lounge accessNone
Forex markup3.5%
Fuel waiver1% (terms apply)
Major exclusionsRent, fuel, utilities and select merchants
Directional, not guaranteed

Approval Snapshot

96 reports
Easy–medium difficulty

Similar users reported mixed outcomes. Eligibility varies by bank policy and profile; approval is never guaranteed.

Common approved profile
Stable credit history, income aligned to bank criteria, and clean recent enquiries
Common rejection patterns
Thin history, recent applications, or internal bank policy

Approval stories are user-reported directional signals. Bank policy, verification, internal criteria, and your complete credit profile still matter.

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Decision 03

Role in a card setup

Use this card for

Amazon and no-fee cashback

Pair with

A simple no-fee cashback or UPI card

Avoid using it for

Categories with weak earn rates or exclusions

Alternatives

Compare the cards shown in the community verdict

Decision 04

Recent Changes

Jun 2026

Cashback exclusion reports

Community reports point to inconsistent cashback at a small set of merchants.

Medium impactNeeds Verification
Mar 2026

Cashback cap clarification

Monthly cashback cap wording was clarified in the product terms.

Low impactOfficially Confirmed
Nov 2025

User-reported merchant issues

Early reports flagged classification issues on some online purchases.

Medium impactUser Reported
From the community

Latest discussions

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