Amazon Pay ICICI Bank Credit Card Review

General Information

Rewards and Benefits

Fees and Charges

Summary

All purchases made on Amazon by Amazon Prime users receive a 5% cashback, while non-Prime users receive a 3% cashback. This additional cashback is only applicable for purchases made on Amazon India (amazon.in). Using this card on Amazon Pay, there is a 2% cashback at over 100 partner merchants and a 1% cashback for other retail transactions. The Reward Points earned on the card are transferred as cashback to the Amazon Pay balance, and there is no expiry date for these Reward Points.

The Amazon Pay ICICI Bank Credit Card is a fantastic option for avid shoppers, providing a wide array of benefits and cashback rewards.

With a joining fee and renewal fee of Nil, it's an attractive choice for those looking for a credit card specifically designed for shopping purposes.

One of the key features of this credit card is its cashback rewards, which make it ideal for individuals who frequently use Amazon for their purchases.

Prime members can enjoy a generous 5% cashback on their Amazon purchases, while Non-Prime members can still enjoy a respectable 3% cashback.

Additionally, there is a 2% cashback available on partner brands and a 1% cashback on all other payments except for fuel purchases.

As a welcome benefit, cardholders can avail of enticing cashback and discounts up to Rs. 2,000, along with a free 3-month Prime Membership.

This not only provides immediate savings but also opens up a world of exclusive benefits and offers on Amazon.

If dining out is your thing, the Amazon Pay ICICI Bank Credit Card offers a minimum of 15% discount on dining bills at restaurants participating in the Culinary Treats program.

This is a significant perk that can help you save some bucks while enjoying delicious meals.

When it comes to foreign currency transactions, the credit card charges a 3.5% markup on the transaction amount.

However, it does waive the 1% fuel surcharge at all petrol stations across India, which is definitely a valuable advantage.

While the credit card doesn't offer specific benefits for travel, domestic lounge access, international lounge access, golf, or insurance, it more than makes up for it with its focused benefits on shopping and dining.

The interest rate for the Amazon Pay ICICI Bank Credit Card ranges from 3.5% to 3.8% per month, translating to an annual percentage rate of 42% to 45.6%.

It's important to consider this aspect if you tend to carry a balance on your credit card.

There is a cash advance option available with a fee of 2.5% of the withdrawn amount, subject to a minimum fee of Rs. 300.

It's worth noting that this should be used sparingly due to the associated fees.

Lastly, the credit card doesn't entail any spend-based waiver or rewards redemption fees, making it hassle-free to enjoy the benefits and cashback without any additional charges.

In conclusion, the Amazon Pay ICICI Bank Credit Card is a highly appealing option for frequent shoppers who primarily use Amazon.

With its generous cashback rewards, welcome benefits, and discounts on dining, it caters to the needs and preferences of avid shoppers.

The joining fee and renewal fee of Nil further strengthen its appeal, making it an excellent choice for those looking for a credit card optimized for shopping.