ICICI Bank

Amazon Pay ICICI

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🇮🇳 India · ICICI Bank

Amazon Pay ICICI

Name: Amazon Pay ICICI
Brand: ICICI Bank
Rating: 4.7 (50 reviews)

Heavy Amazon shoppers — best free card in India

4.7 / 5

Joining fee

₹0

Annual fee

₹0

Top reward

Min income

₹300,000

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5-year value calculator

How much Amazon Pay ICICI actually pays you over time, net of annual fees.

Your monthly spend₹50,000

Includes 40% in this card's boost category, 60% general spend.

Annual rewards₹15,600

Annual feeNo fee

Welcome bonus (year 1 only)+₹500

Cumulative net value

+₹78,500

over 5 years

Year 1

₹16,100

+₹16,100/yr

Year 2

₹31,700

+₹15,600/yr

Year 3

₹47,300

+₹15,600/yr

Year 4

₹62,900

+₹15,600/yr

Year 5

₹78,500

+₹15,600/yr

Year 1 (with bonus)

₹16,100

Year 2+ (steady state)

₹15,600/yr

Estimates use the card's published rates and a 40/60 boost-vs-general split. Real returns vary with how tightly your spend matches each card's boost categories.

Reward rates

What you earn back, by category.

shopping

📈

Everything else

📈

🎁

Welcome bonus

₹500 Amazon Pay balance on first transaction

What you get

5% cashback on Amazon for Prime members (3% non-Prime)
2% cashback on 100+ Amazon Pay merchants (Swiggy, BigBasket, MakeMyTrip)
1% cashback on every other transaction
No annual fee, no joining fee, ever
1% fuel surcharge waiver
No reward expiry, no minimum redemption

Eligibility

These are guidelines, not hard cutoffs. Banks frequently approve below the listed income if your credit is healthy.

Min annual income

₹300,000

Min credit score

720+

Self-employed

Eligible

Points value

What 1 Amazon Pay ICICI point is actually worth

Same points, wildly different values depending on redemption. Most cardholders default to the boring option and never see the upside. Here's the full ladder for Amazon Pay ICICI: