Lifetime Credit Cards are those credit cards that have zero joining and annual fees i.e. they are free for a lifetime. The joining fee is a one-time charge that is to be paid at the time of application for a credit card. And, the annual fees are charged on a recurring basis as it is to be paid each year till the time the card is owned. But the cardholders are still liable for some other charges like finance charges and cash withdrawal charges depending on the Credit Card Type.
Amazon Pay ICICI Bank Credit Card is a co-branded credit card issued by ICICI Bank in association with Amazon Pay (India) Private Limited (Amazon Pay) and Visa. It is considered to be one of the Best Lifetime Free Credit Card in India since it was launched. Its mechanism has been designed in such a way as to provide earnings for every purchase in the form of Amazon Pay Gift Cards redeemable into the Amazon Pay balance associated with the Amazon account.
| Amazon Pay ICICI Bank Credit Card – A Snapshot | |
| Annual Fee | Nil |
| Best Suited For | Shopping |
| Key Feature | 1% cashback on all transactions |
| Shopping Benefits for Amazon Prime Members | 5% cashback on Amazon spends |
| Shopping Benefits for Amazon Non-Prime Members | 3% cashback on Amazon spends |
Features of Amazon Pay ICICI Bank Credit Card
Mentioned below are the features of Amazon Pay ICICI Bank Credit Card:
- No joining fee or annual fee
- No limit or expiry date on the rewards earned using this card
- No minimum redemption amount and no fees for redeeming earnings.
- Reward earnings can be used to purchase over 10 crore products at www.amazon.in and more than 100 Amazon Pay partner merchants.
- No cost EMI – 3&6 months on Amazon.in
1 Reward point = 1 Re (automatically credited as Amazon Pay Balance)
Here is a look at the Reward Points structure for the cardholders:
| Reward Points | ||
| Item | Cardholders who are Amazon Prime members | Cardholders who are not Amazon Prime members |
| Purchases made on Amazon.in (excluding purchase of physical and digital gold, transactions made through the card on EMIs, purchases converted to EMI post facto, Amazon Business transactions made on amazon.in/business). | 5% | 3% |
| Payments made towards booking of flights and hotels on Amazon.in | 5% | 3% |
| On Amazon.in – For purchase of Amazon Pay Gift Cards and/or payments made towards the purchase of e-books. | 2% | 2% |
| Payments made to Amazon Pay partner merchants made using this card from Amazon Pay wallet as a payment method. | 2% | 2% |
| All other merchant spends outside Amazon.in (excluding EMI transactions, purchases converted to EMI post facto, fuel spends). | 1% | 1% |
| International spends. | 1% | 1% |
Exclusions for Cashback (As Reward Points)
Mentioned below are the items that are excluded from cashback as reward points:
- Payment for transactions through EMI made using the card or purchases converted to EMI post facto.
- Amazon Business Transactions made on amazon.in/ business.
- Purchase of physical and digital gold on Amazon.in.
- The transactions having a 1% fuel surcharge waiver will not be eligible for any rewards.
- Purchases made at other Amazon marketplaces.
Amazon Pay ICICI Bank Credit Card Eligibility Criteria
Mentioned below are the eligibility criteria to apply for an Amazon pay ICICI Bank Credit Card:
| Criteria | Details |
| Age | 18 to 60 years |
| Occupation | Offered to both Salaried and Self-employed Applicants |
| Minimum Income Required | INR 25,000 for ICICI CustomersINR 35,000 for other applicants |
Documents Required
Mentioned below is the list of documents required to apply for Amazon pay ICICI Bank Credit Card:
| Proof of Identity | PAN Card, Aadhaar card, Driver’s License, Passport, Voter’s ID, Overseas Citizen of India Card, Person of Indian Origin Card, Job card issued by NREGA, Letters issued by the UIDAI, or any other government-approved photo ID proof |
| Proof of Address | Aadhaar card, Driver’s License, Passport, Utility Bill not more than 3 months old, Ration Card, Property Registration Document, Person of Indian Origin Card, Job card issued by NREGA, Bank Account Statement, or any other government-approved address proof |
| Proof of Income | Latest one or 2 salary slips (not more than 3 months old), the Latest Form 16, Last 3 months’ bank statement |
How to Apply for Amazon Pay ICICI Bank Credit Card?
Step 1: Visit the official website of ICICI Bank.
Step 2: Once the eligibility parameters are met, the applicant will receive a ready-to-use digital card after which the physical card will be delivered.
Step 3: Search for Amazon Pay ICICI Bank Credit Card from the list of products.
Step 4: Click on “Apply Now”.
Step 5: Fill in the details to complete the application form.
Step 6: Click on “Submit”.
How to Check the Application Status of Amazon Pay ICICI Bank Credit Card?
The physical card is received within 7 working days once it gets approved. In the meantime, a virtual card provided by ICICI Bank can be used to transact online. Mentioned below are the steps to check the application status of Amazon Pay ICICI Bank Credit Card:
Step 1: Log in to the Amazon account.
Step 2: Open the Amazon Pay ICICI Bank Credit Card application page.
Step 3: Click on “Check Application Status”.
Step 4: Also, an applicant can call customer care at 1800 102 0123 from the registered mobile number.
Step 5: An email is received once the application gets approved or rejected for verification purposes from the email address “amzcbcc@icicibank.com”.
Pros & Cons
Mentioned below are the advantages and disadvantages of applying for Amazon Pay ICICI Bank Credit Card:
| PROS | CONS |
| 5% cashback for Amazon Prime and 3% cash back for Amazon Non-Prime Members1% cashback is offered on all general transactions2% cashback on Amazon Pay partner merchantsNo annual or joining feeThere are no limits on earnings and no minimum redemption amount or fees on redeeming earnings | Zero benefits on travel, entertainment, or any other category apart from shoppingNot suited for international usage as foreign currency mark-up fee is high (3.5%)No rewards, air miles, or lounge access benefitsNon-Amazon users can get better benefits on other cashback credit cards like Axis Bank ACE Credit Card or Cashback SBI Card |
