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Key Features of ICICI Bank Amazon Pay Credit Card

  • Lifetime Free Card: No Joining or Annual Fees: The card incurs no upfront or recurring costs, making it accessible and cost-effective for users. No Hidden Charges: Unlike some competing cards, there are no annual renewal fees or minimum spend requirements to maintain its free status.
  • Cashback Rewards Structure: The card provides unlimited cashback in the form of Amazon Pay Balance, which is automatically credited to the cardholder's Amazon account within two working days after the billing cycle ends. The rewards have no expiry date and no cap on earnings, enhancing their usability.
  • Amazon Purchases: 5% Cashback for Amazon Prime members on all purchases made on Amazon.in (except specific categories like e-books, gift cards, Amazon Pay balance loads, bill payments, and mobile/DTH recharges, which earn 2%). 3% Cashback for non-Prime members on Amazon.in purchases (with the same exclusions earning 2%).
  • Amazon Pay Partner Merchants: 2% Cashback on transactions at over 100 Amazon Pay partner merchants (e.g., Swiggy, BookMyShow, or Yatra) when using the card via Amazon Pay.
Amazon Pay Credit Card
    • Other Spends: 1% Cashback on all other eligible transactions, both online and offline, except for fuel purchases, EMI transactions, gold purchases, and rent payments.
    • Welcome Offers: Cashback on First Transaction: New cardholders receive cashback upon completing their first transaction using the card. The exact amount may vary based on ongoing promotions. Complimentary Amazon Prime Membership: Non-Prime users may receive a three-month Amazon Prime membership as part of welcome benefits.
    • Dining Benefits: Culinary Treats Program: Cardholders enjoy a minimum 15% discount on dining bills at over 2,500 partner restaurants across India through ICICI Bank's Culinary Treats Program.
    • Fuel Surcharge Waiver: 1% Waiver on fuel surcharge for transactions at all Indian gas stations, provided the transaction amount is up to ₹4,000. Additionally, Prime members can earn 5% cashback on their first fuel purchase of the month (minimum ₹2,000, maximum reward ₹150 monthly).
    • Contactless Payments: The card is equipped with an NFC chip, enabling secure and quick contactless payments at supported Point of Sale (PoS) terminals, enhancing convenience for in-store transactions.
    • Enhanced Security: Embedded Microchip: The card includes a chip for added protection against counterfeiting and skimming during ATM and offline transactions. PIN-Based Transactions: A Personal Identification Number (PIN) is required for in-store transactions, while online transactions use 3D Secure (Verified by Visa) for added safety.
    • Seamless Application and Instant Issuance: Quick Approval: Existing ICICI Bank credit cardholders may get approval within 30 minutes, subject to credit underwriting policies. Digital Card: Upon approval, a ready-to-use digital card is issued instantly for online transactions, with the physical card delivered within 7 working days.
    • Flexible Bill Payment Options: Cardholders can pay their credit card bills through multiple methods, including: Online: Net banking, NEFT, UPI, auto-debit, or platforms like Bajaj Finserv. Offline: Cash, cheque, or draft.
    • Loan on Credit Card: Cardholders can borrow cash - Loan on Credit Card Facility: Access cash from your credit limit with flexible repayment terms, ideal for short-term financial needs.
    • Wide Usability: The Amazon Pay Balance earned can be used to purchase over 17 crore products on Amazon.in and at more than 100 merchant partners, excluding Amazon Pay Gift Cards and other Amazon marketplaces.
    • No Minimum Redemption Amount: There is no minimum threshold for redeeming Amazon Pay Balance, and no fees are charged for redemption, making it user-friendly.
Amazon Pay Rewards

Benefits of the Amazon Pay ICICI Bank Credit Card

  • Lifetime Free Card: No Joining or Annual Fees: The card is completely free with no upfront or recurring charges, making it cost-effective for all users. No Minimum Spend Requirement: Unlike some cards, there's no need to meet spending thresholds to maintain its free status.
  • Attractive Cashback Rewards: The card offers unlimited cashback credited as Amazon Pay Balance, which is automatically added to your Amazon account within two working days after the billing cycle. The rewards have no expiry and no upper limit, making them highly valuable.
      • On Amazon.in Purchases: 5% Cashback for Amazon Prime members on all eligible purchases. 3% Cashback for non-Prime members on the same eligible purchases (with exclusions earning 2%).
      • Amazon Pay Partner Merchants: 2% Cashback on transactions at over 100 partner merchants (e.g., Swiggy, BookMyShow, Yatra) when paying via Amazon Pay.
      • Other Eligible Spends: 1% Cashback on all other transactions (online and offline), except fuel, EMI transactions, gold purchases, and rent payments.
      • Welcome Benefits: First Transaction Cashback: New cardholders receive cashback on their first transaction, with amounts varying based on promotional offers (often up to ₹500–₹1,000).
      • Complimentary Amazon Prime Membership: Non-Prime users may receive a three-month Amazon Prime membership as a welcome perk, enhancing cashback rates to 5% on Amazon.in.
      • Additional Offers: Welcome packages can include up to ₹2,500 in cashback and coupons for both Prime and non-Prime members, plus a one-month EazyDiner membership for dining discounts.
      • Dining Discounts: Culinary Treats Program: Enjoy a minimum 15% discount on dining bills at over 2,500 partner restaurants across India through ICICI Bank’s dining program, ideal for food enthusiasts.
      • Fuel Surcharge Waiver: 1% Waiver on fuel surcharge for transactions up to ₹4,000 at any Indian fuel station.
      • Prime Member Fuel Offer: Prime members earn 5% cashback on their first fuel purchase each month (minimum ₹2,000, capped at ₹150 monthly), adding value for vehicle owners.
      • Versatile Amazon Pay Balance Usage: The cashback earned as Amazon Pay Balance can be used to purchase over 17 crore products on Amazon.in or to pay at 100+ Amazon Pay partner merchants.
      • No Minimum Redemption Amount: Redeem your balance without any threshold or redemption fees, offering flexibility.
      • Exclusions: Cannot be used for Amazon Pay Gift Cards or on other Amazon marketplaces (e.g., Amazon.com).
      • Contactless Payment Convenience: Equipped with an NFC chip, the card supports contactless payments at compatible PoS terminals, enabling fast and secure in-store transactions.
      • Enhanced Security Features:
      • Embedded Microchip: Protects against counterfeiting and skimming during ATM and offline transactions.
      • PIN and 3D Secure: In-store transactions require a PIN, while online purchases use Verified by Visa (3D Secure) for added safety.
      • Instant Digital Card Access: Upon approval, a digital card is issued instantly for online transactions, allowing immediate use while the physical card is delivered (within 7 working days).
      • Quick Approval:Existing ICICI Bank customers may get approval in as little as 30 minutes, subject to credit evaluation.
      • Flexible Bill Payment Options: Pay your credit card bill through multiple channels:
      • Online: Net banking, NEFT, UPI, auto-debit, or third-party platforms like Bajaj Finserv.
      • Offline: Cash, cheque, or draft. Payments via Bajaj Finserv provide instant confirmation and support various methods (credit/debit card, net banking, UPI, or Bajaj Pay Wallet).
      • Loan on Credit Card Facility: Access cash from your credit limit with flexible repayment options, providing a convenient solution for short-term financial needs.
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How to Apply for the Amazon Pay ICICI Bank Credit Card

  • Step 1: Check Your Eligibility
    Visit the Amazon Pay ICICI Bank Credit Card page on:
    Amazon.in (under Amazon Pay > Credit Card) or
    ICICI Bank's website.
    Click on the "Apply Now" or "Check Eligibility" button.
    Enter basic details (e.g., name, mobile number, city) to confirm if you're eligible and if the card is available in your area.
  • Step 2: Start the Online Application
    On the application page, provide:
    Personal Details: Full name, date of birth, gender, and occupation.
    Contact Information: Mobile number, email ID, and residential address.
    Identity Details: PAN number and Aadhaar number (or virtual ID).
    Authenticate your Aadhaar using the OTP sent to your Aadhaar-registered mobile number.
    If you're an existing ICICI Bank customer, log in with your net banking credentials or account details for a faster process.
  • Step 3: Complete Video KYC (Know Your Customer)
    Schedule a Video Call: After submitting the application, you'll be prompted to schedule a Video KYC session with an ICICI Bank representative.
    Prepare for the Call:
    Keep your original PAN Card and a blank sheet of paper with your signature ready.
    Ensure a stable internet connection and a device with a working camera and microphone.
    During the Video KYC:
    The officer will verify your identity by asking you to show your PAN Card and confirm personal details.
    Answer a few verification questions and provide your digital signature if required.
    The process typically takes 5-10 minutes.
  • Step 4: Application Review and Approval
    Once Video KYC is completed, ICICI Bank will review your application, credit score, and financial details.
    Processing Time:
    Existing ICICI Bank customers may receive approval within 30 minutes to a few hours.
    New customers may take 1-3 working days for approval, depending on verification.
    You'll receive an email and SMS notification confirming approval or rejection. If approved, the email will include details about the next steps.
  • Step 5: Receive Your Digital and Physical Card
    Digital Card: Upon approval, a digital version of the card is issued instantly, accessible via the Amazon app or ICICI Bank's iMobile Pay app. You can use it immediately for online transactions on Amazon.in.
    Physical Card: The physical Visa card is dispatched to your registered address and typically delivered within 7 working days.
    Track the delivery status via the ICICI Bank website or customer care.
  • Step 6: Activate the Card
    Digital Card: Ready to use immediately upon issuance.
    Physical Card: Activate it via:
    ICICI Bank's iMobile Pay app (under Cards > Activate Credit Card).
    Net banking (log in and follow the activation prompts).
    Customer Care: Call 8885545255 and follow the IVR instructions.
    Set a PIN for in-store transactions during activation.

Eligibility Criteria for the Amazon Pay ICICI Bank Credit Card

  • Age Requirement: Applicants must be between 21 and 60 years of age. This ensures the applicant is legally eligible to enter into a credit agreement and has a reasonable repayment capacity.
  • Occupation: Applicants must be either salaried or self-employed with a stable source of income. Salaried individuals should be employed with a reputed organization, while self-employed individuals (e.g., business owners, professionals) must demonstrate consistent income.
  • Minimum Income: For Existing ICICI Bank Customers: A minimum monthly income of ₹25,000. For Non-ICICI Bank Customers: A minimum monthly income of ₹35,000. The higher income threshold for non-customers reflects the bank's need to assess creditworthiness without prior banking history.
  • Credit Score: A good credit score (typically 750 or above on a scale of 300-900) is preferred. A strong credit history, with timely repayment of loans and credit card bills, significantly increases approval chances. Applicants with defaults, late payments, or no credit history may face rejection.
  • Nationality and Residency: Applicants must be residents of India. Non-Resident Indians (NRIs) are not eligible for this card.
  • Geographical Availability: The card is available only in select cities in India. You can check the list of serviceable cities on the ICICI Bank website or Amazon.in under the Amazon Pay Credit Card section. Common eligible cities include major metros like Mumbai, Delhi, Bangalore, Chennai, and Hyderabad, as well as several Tier-1 and Tier-2 cities.
  • Existing Relationship with ICICI Bank (Optional): While not mandatory, having an existing relationship with ICICI Bank (e.g., savings account, fixed deposit, or another credit card) can lower the income requirement to ₹25,000/month, speed up the approval process (potentially within 30 minutes), and increase the likelihood of a higher credit limit.
  • Document Readiness: Applicants must be ready to submit valid documents for identity (PAN, Aadhaar), address (utility bill, Aadhaar, Passport), and income proof (salary slips, ITR, or Form 16). All documents must be current and match the details provided in the application.
  • Mobile Number & Email ID: A valid and active mobile number and email ID are required for OTP verification, communication, and digital card issuance. These should be linked to the applicant’s Aadhaar for e-KYC.
  • Digital Onboarding Capability: Applicants must have access to a smartphone or computer with a webcam and stable internet connection to complete the Video KYC, which is mandatory for application approval.
  • No Outstanding Dues or Defaults: Applicants with existing unpaid credit card dues, loan defaults, or accounts flagged as NPA (Non-Performing Asset) are typically disqualified. A clean repayment record boosts approval chances.
  • Bank Account Requirement: While not compulsory, having a bank account with ICICI Bank can streamline the application process and provide easier integration of services like auto-debit for bill payments.
  • Stable Residential Address: Applicants must have a stable and verifiable residential address in a city where the Amazon Pay ICICI Bank Credit Card is serviceable. Temporary or unverified addresses may lead to rejection.
  • Application History: Frequent or recent reapplications for credit cards, especially if rejected earlier, can affect the approval chances. It's advisable to wait 3–6 months before reapplying if previously declined.
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Documents Required for Amazon Pay ICICI Bank Credit Card

  • Identity Proof (Mandatory):
    • PAN Card: Compulsory for tax identification and linking to the credit card account.
    • Aadhaar Card: Mandatory for Video KYC and OTP-based authentication (ensure it's linked to your mobile number).
  • Address Proof:
    • Aadhaar Card (preferred, as it serves as both identity and address proof)
    • Voter ID,Passport
    • Driver's License
    • Utility Bill (electricity, gas, water, or telephone bill, not older than 3 months)
  • Income Proof (may be required):
    • For Salaried Individuals:
      • Latest 3 months' salary slips
      • Bank statements (last 3-6 months) showing salary credits
      • Form 16 (latest)
    • For Self-Employed Individuals:
      • Income Tax Returns (ITR) for the last 1-2 years with computation of income
      • Certified financial statements (e.g., profit and loss statement, balance sheet)
      • Bank statements (last 6 months) showing business transactions
  • Additional Requirements:
    • Aadhaar-Linked Mobile Number: Mandatory for receiving OTP during Aadhaar authentication
    • Email ID: Required for receiving application updates, approval status, and e-statements

Key Factors for the Amazon Pay ICICI Bank Credit Card

  • Factors for Eligibility: Age (21-60 years), income level (₹25K-₹35K/month), occupation (salaried/self-employed), credit score (750+), residency (India only), and geographical availability (select cities).
  • Factors for Application Approval: Accuracy of details, document verification, credit history, debt-to-income ratio, Video KYC completion, and bank's internal policies.
  • Factors for Credit Limit Assignment: Income level, credit score, existing ICICI relationship, other credit obligations, and employment stability.
  • Factors for Maximizing Rewards: Amazon Prime membership (boosts cashback to 5%), spending patterns (focus on Amazon & partners), avoiding excluded transactions, and timely bill payments.
  • Factors for Rejection: Low credit score, insufficient income, non-serviceable city, incomplete documentation, high debt burden, frequent credit inquiries, or application errors.
  • Factors for Card Usage and Benefits: No annual fees, reward flexibility (Amazon Pay Balance), digital card access, contactless payments, and enhanced security features.
  • Factors for Maintaining Card Benefits: Consistent on-time payments, avoiding over-limit usage, maintaining a good credit utilization ratio, and staying updated with card policy changes.
  • Factors for Card Upgrades or Enhancements: Long-term usage, high monthly spends, positive payment history, and promotional upgrade offers from ICICI Bank.
  • Factors for Cashback Crediting: Cashback is credited as Amazon Pay Balance at the end of each billing cycle, based on eligible transactions and applicable cashback categories.

Frequently Asked Questions (FAQs)

What is the Amazon Pay ICICI Bank Credit Card?
The Amazon Pay ICICI Bank Credit Card is a co-branded, Visa-powered credit card issued by ICICI Bank in partnership with Amazon Pay (India). It’s designed for online shoppers, offering cashback as Amazon Pay Balance, no annual fees, and additional perks like dining discounts and fuel surcharge waivers.
Is the card really lifetime-free?
Yes, the card has no joining or annual fees for its entire lifetime. There are no minimum spend requirements to maintain this free status.
Who can apply for this card?
Applicants must:
• Be aged 21 to 60 years.
• Be salaried or self-employed with a stable income.
• Earn a minimum monthly income of ₹25,000 (ICICI Bank customers) or ₹35,000 (non-customers).
• Have a good credit score (preferably 750+).
• Be a resident of India living in a serviceable city (check eligible cities on ICICI Bank or Amazon.in).
What is the credit limit for this card?
The credit limit varies based on your:
• Income level.
• Credit score.
• Existing debts.
• Relationship with ICICI Bank (e.g., savings account, other cards).
Limits typically range from ₹50,000 to several lakhs, depending on your profile.
How do I apply for the card?
Follow these steps:
• Visit Amazon.in (Amazon Pay > Credit Card) or ICICI Bank and click “Apply Now.”
• Enter personal details (name, mobile, PAN, Aadhaar) and verify via Aadhaar OTP.
• Schedule and complete Video KYC with an ICICI Bank representative, showing your original PAN Card.
• Receive approval (instant for ICICI customers, 1–3 days for others) and a digital card for immediate use. The physical card arrives in 7 days.
What documents are required?
• Identity Proof: PAN Card (mandatory), Aadhaar Card (mandatory for KYC).
• Address Proof: Aadhaar, Voter ID, Passport, Driver’s License, or utility bill (not older than 3 months).
• Income Proof (if required): Salary slips, bank statements, Form 16 (salaried), or ITR (self-employed).
• Photograph: Digital selfie during Video KYC.
What is Video KYC, and how does it work?
Video KYC is a digital verification process:
• Schedule a 5–10 minute video call with an ICICI Bank officer.
• Show your original PAN Card and a signed blank paper.
• Answer verification questions to confirm identity and address.
• Ensure a stable internet connection and a device with a camera.
Can I apply if I don’t have an ICICI Bank account?
Yes, non-ICICI Bank customers can apply, but they need a higher minimum income (₹35,000/month) and may require additional income proof (e.g., salary slips, ITR).
How long does approval take?
• Existing ICICI Bank customers: As quick as 30 minutes to a few hours.
• Non-customers: 1–3 working days, depending on verification.
What if my application is rejected?
Common rejection reasons include:
• Low credit score (below 700).
• Insufficient income.
• Non-serviceable city.
• Incomplete documents or failed Video KYC.

Solution: Improve your credit score, provide valid documents, or reapply after 3–6 months.

List of ICICI Bank Amazon Pay Credit Card AP Branches

  • Achutapuram (Achutapuram Branch)
  • Adoni (Adoni Branch)
  • Akkayyapalem, Visakhapatnam (Akkayyapalem Branch)
  • Amalapuram (Amalapuram Branch)
  • Anakapalle (Anakapalle Branch)
  • Anantapur (Anantapur Branch)
  • Anaparthi (Anaparthi Branch)
  • Bapatla (Bapatla Branch)
  • Bhimavaram (Bhimavaram Branch)
  • Bobbili (Bobbili Branch)
  • Chilakaluripet (Chilakaluripet Branch)
  • Chirala (Chirala Branch)
  • Chittoor (Chittoor Branch)
  • Cuddapah (Cuddapah Branch)
  • Dharmavaram (Dharmavaram Branch)
  • Dhone (Dhone Branch)
  • East Godavari (East Godavari Branch)
  • Eluru (Eluru Branch)
  • Giddalur (Giddalur Branch)
  • Gudivada (Gudivada Branch)
  • Gudur (Gudur Branch)