CreditIQ Verdict
The Amazon Pay ICICI is a cashback credit card from ICICI with no annual fee, making it a strong choice for users who want rewards without ongoing costs. Best suited for users who spend regularly on cashback categories and want to earn meaningful rewards.
Fees & Charges
Annual FeeNil (Lifetime Free)
Joining FeeNil
Interest Rate42% per annum (3.33% per month)
Forex Markup3.5% on international transactions
Cash Advance2.5% of amount (min Rs. 500)
Late PaymentRs. 0 - Rs. 1,300 (based on outstanding)
What the community says
LIVEcard comparison@everypaisamattersINSTAGRAM
Portfolio breakdown of 20 Indian credit cards organized by use-case categories (travel, cashback, forex, fuel) with specific card recommendations for each spending pattern.
😳 REVEALED - My 2026 Credit Card Portfolio
Here are the 20 credit cards that I use:
✈️ Travel (Miles / Hotels / Premium Travel)
👉 Best fo...
card comparison@thatcreditcardguyINSTAGRAM
HDFC Swiggy Black Credit Card offers 10% direct cashback on food, groceries, and dining up to ₹15,000 monthly as a simpler alternative to points-based rewards following recent Amex and ICICI devaluations.
Swiggy spends just got a LOT easier to optimize 👇
With Amex devaluations + ICICI removing accelerated rewards on Amazon & Swiggy vouchers…
...
transfer hack@pointsdecodedINSTAGRAM
Air India's May 2026 bonus conversion offer provides up to 50% bonus points when transferring from major Indian bank credit cards, with tiered rewards peaking at conversions above 1 lakh points.
Comment “LINK” and I’ll send you the Air India Bonus registration link.
The offer runs all of May 2026 - here’s the quick breakdown:
◆ Up t...
Frequently Asked Questions
What is the annual fee of Amazon Pay ICICI?
Amazon Pay ICICI is a lifetime free card with zero annual fee.
What is the reward rate on Amazon Pay ICICI?
Amazon Pay ICICI offers 1. Check the benefits section above for category-specific accelerators.
How to apply for Amazon Pay ICICI?
You can apply online through ICICI's website. Eligibility requires a credit score of 750+ and income as per bank criteria. Click the Apply button on this page for a direct, unbiased apply link.