ICICI Bank
Amazon Pay ICICI Bank Credit Card
Annual Fee
Lifetime FreeBase Reward
1% cashback
Foreign Markup
1.99%
Welcome Benefits
Cashback and Discounts Up to ₹2,500 (Both for Prime and Non-Prime Members) and One Month EazyDiner Membership
Product Highlights
- Lifetime Free
- 5% cashback on Amazon for Prime members
Merchant-Specific Rewards
Amazon
5% on Amazon — Prime members
Amazon
3% on Amazon — Non-Prime members
Amazon
2% on Amazon digital products / gift cards (Non-Prime)
Amazon Pay (partners)
2% at Amazon Pay partner merchants
Reward Calculator
Earns ₹5,520/year (net)
Modest gain. Solid hold if you like the perks.
₹22K
across all your buckets
₹5.5K
direct cashback
₹5.5K
via direct credit
Effective rate
2.09%
Annual fee
FREE
Year 1 net
+₹5,720
incl. welcome
Year 2+ net
+₹5,520
ongoing
Adjust your spend by reward bucket
5 bucketsSurcharges & Exclusions
Watch-outs that quietly erode your effective rewards. Categories listed as “excluded” earn 0% even if the merchant looks normal.
Rent payment surcharge
1%Charged on every rent transaction via CRED / NoBroker / Magicbricks / etc.
Wallet load surcharge
1%from Jan 2026Kicks in after ₹5,000 cumulative wallet loads/cycle (Paytm, PhonePe, Mobikwik)
Utility payment surcharge
1%Kicks in after ₹50,000 cumulative utility spends/cycle
Foreign exchange markup
1.99%Charged on every international (non-INR) transaction
Excluded from rewards
fuel, rent, wallet, emi, cash advance, utility
Fuel surcharge waiver (good news)
1%Surcharges are typically charged 1 cycle after the transaction and may include GST. Always confirm with the bank's most recent T&C.
Rewards Details
5% cashback on Amazon purchases for Prime members, 3% cashback for Non-Prime members, 2% cashback on partner brands & 1% cashback on all other payments except fuel purchases.
Redemption
Cashback Credited to Amazon Pay Balance
Benefits & Features
Minimum of 15% discount on dining bills at restaurants participating in the Culinary Treats program.
Pros & Cons
Pros
- High reward rate of 5% on Amazon for Prime members
- No max capping on cashback earned
- 15% off at over 2,500 restaurants in India
Cons
- Limited benefits outside of Amazon
- No lounge access or entertainment benefits
- Not useful for non-Amazon shoppers
Additional Info
Lifetime free card
Cashback credited to Amazon Pay balance
Excluded Categories
Partner Merchants
Ready to apply?
Apply directly on the bank's official website. Quick approval, no hidden steps.
Apply NowOfficial bank website · Secure
Fees & Charges
Eligibility
Networks