ICICI Bank has partnered with Amazon India to offer a lifetime free credit card. The best part is that you do not need an ICICI account or be an Amazon Prime member to apply for this card.
For those who frequently shop on Amazon, the card offers a 5% cashback on all amazon purchases.
My Experience With ICICI Amazon Pay Credit Card
I received my ICICI Amazon Pay credit card on an invite-only basis, but now it is open to all.
One of the best things about this credit card is that it is a lifetime free credit card. There are no joining fees or annual fees, making it very convenient for those who want a credit card without having to worry about any charges.
The card offers a fantastic cashback program, where you can get 5% cashback on purchases made on Amazon for prime members and 3% cashback for non-prime members. Also, you get 1% cashback on all your online and offline spends.
As a regular shopper on Amazon, this is an amazing benefit that I thoroughly enjoy. It is also very easy to redeem the cashback, as it is credited to your Amazon Pay balance at the end of the billing cycle.
Main Benefits of ICICI Amazon Pay Credit Card
- Lifetime free membership credit card.
- You do not need to pay annual & joining fees for this card.
- 5% cashback on all purchases for Amazon Prime users.
- 3% cashback on all spends for non-prime members.
- Reward Points transferred as cashback to Amazon Pay balance.
- 2% cashback at over 100 Amazon partner merchants.
- 1% fuel surcharge waived off.
- 1% cashback on all other spends except fuel.
- 1 Reward Point = Rs. 1 (for expenditure on Amazon).
- These reward points never expire.
Key Features of ICICI Amazon Pay Credit Card
Cashback Rewards
- For prime members – 5% cashback on Amazon spends.
- For non-prime members – 3% cashback on all purchases made on Amazon India.
- You will get 2% cashback on over 100 plus Amazon partner merchants.
- Get 1% cashback on all other online and offlines spends except fuel.
Cashback Redemption
- Earned reward Points are automatically transferred to Amazon Pay balance at the end of each billing cycle.
- You can use the Amazon Pay balance for purchases on Amazon or at any of the partner merchants accepting Amazon Pay as a payment method.
- 1 Reward Point = Re. 1 (for expenditure on Amazon).
Welcome Bonus
- Get Amazon Pay Balance Rs. 300 to Rs. 600 as a welcome gift.
Dining Benefits
- A minimum of 15% discount on dining bills at restaurants participating in the Culinary Treats program.
Fuel Surcharge Waiver & Cashback
- You get a 1% fuel surcharge waived off at all petrol stations across India on a minimum transaction of Rs. 400 and a maximum transaction of Rs. 4000.
- Get 5% cashback on the first fuel transaction of the month. A minimum purchase of Rs. 2,000 is required to avail of the offer and the maximum cashback is capped at Rs. 150 in a month.
Domestic/International Lounge Access
This card does not offer any complimentary domestic and international lounge access.
ICICI Amazon Pay Credit Card Fees & Charges
- Joining Fee – Nil
- Annual Fee – Nil, lifetime free credit card
- Forex Markup Fees – 3.5%
- Cash Advance Fees – 2.5% of the amount withdrawn subject to a minimum of Rs. 500
- Card Replacement Fee – Rs. 100 for issuing a new credit card in lieu of a lost/misplaced credit card.
- Interest Rate – 3.5% to 3.8% per month (or 42% to 45.6% annually).
Final Verdict
If you’re a frequent shopper on Amazon, consider the ICICI Amazon Pay Credit Card. This credit card offers 5% cashback on all purchases made by amazon India for prime members, 3% cashback for non-prime members, and 2% cashback on Amazon partner merchants, making it an attractive option for those who shop frequently on Amazon.
FAQs:
#1. What is the validity period of cashback?
There is no expiry date of reward points.
#2. Is the ICICI Amazon Pay Credit Card lifetime free?
Yes, this credit card has no joining fee or annual fee, making it a lifetime free credit card.
#3. Can I apply for the ICICI Amazon Pay Credit Card even if I don’t have an ICICI account?
Yes, you do not need to have an existing ICICI account to apply for this credit card.
#4. Is the 5% cashback applicable to all Amazon purchases?
Yes, the 5% cashback is applicable to all Amazon purchases made using the ICICI Amazon Pay Credit Card for prime members. Non-prime members get 3% cashback.
#5. How are reward points earned on the ICICI Amazon Pay Credit Card?
You earn reward points on every transaction made using the card. The reward points earned are transferred to your Amazon Pay balance at the end of the billing cycle.
#6. Are there any benefits for dining?
Yes, the card offers a minimum of 15% discount on dining bills at participating restaurants in the Culinary Treats program.
