ICICI Amazon Pay Credit Card
ICICI About This Card
India's most popular co-branded card. The ICICI Amazon Pay card is lifetime free and gives 5% back on Amazon for Prime members — the best Amazon earn rate available. Amazon Pay balance cashback is nearly as liquid as cash. Forex markup at 1.99% is competitive for a free card. No lounge access, but the no-fee structure makes it a must-have for Amazon shoppers.
Pros & Cons
Pros
- Lifetime free — zero cost
- 5% on Amazon (with Prime)
- Cashback as Amazon Pay balance — very liquid
- 1.99% forex markup — competitive for a free card
- Visa Signature tier
Cons
- No lounge access
- No international lounge access
- 2% tier needs specific merchants/bill pays
- Without Prime, Amazon drops to 3%
Fee Details
Reward Structure
Lounge Access
Key Highlights
- + 5% back on Amazon for Prime members
- + 2% on bill payments & Amazon Pay merchants
- + 1% on all other spends
- + Lifetime free — no annual fee ever
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