Amazon Pay ICICI Credit Card: The Amazon Credit Card

Amazon Pay ICICI Credit Card: The Amazon Credit Card

Best Credit Card for Amazon Shoppers

Good for

  • Frequent Amazon spenders
  • Frequent shoppers
  • Online shoppers

Bad for

  • Individuals who shop at different retailers other than Amazon.in
  • People who prefer shopping in person

Editor's Rating

4.5/5.0

If you are interested in acquiring a card primarily to use on online shopping from Amazon, this card is a good choice. For instance, the credit card earns 5% cashback on Amazon.in for Amazon Prime customers and 3% cashback on Amazon India purchases for non-Prime customers, making this the top credit card for Amazon specific purchases.

On the other hand, cardholders earn 2% cashback on Amazon Pay partner merchants, as listed below, and 1% on all other purchases. Therefore, the card is decent as a cashback card, but is notable as a credit card used for Amazon spending.

  • Faasos
  • Haptik
  • BookMyShow
  • redBus
  • FreshMenu
  • Komparify
  • Niki
  • AbhiBus
ProsCons
  • 5% cashback for Amazon Prime members on Amazon India purchases
  • 3% cashback on Amazon India purchases by non-Prime members
  • 2% cashback on Amazon Pay partner merchants
  • 1% cashback on general spending
  • No annual fee
  • Unlimited earnings
  • Only offers 1% cashback for all other online retailers
Card Overview
Pros:
  • 5% cashback for Amazon Prime members on Amazon India purchases
  • 3% cashback on Amazon India purchases by non-Prime members
  • 2% cashback on Amazon Pay partner merchants
  • 1% cashback on general spending
  • No annual fee
  • Unlimited earnings
Cons:
  • Only offers over 1% cashback for any other online retailer

What Makes the Amazon Pay ICICI Credit Card Stand Out?

The ICICI issued Amazon Pay card is the best option available for those who frequently shop on Amazon. The 5% cashback for Amazon Prime members and 3% cashback for non-Prime members is the highlight of this card and the best for individuals interested in an Amazon specific option.

Further, the 2% cashback on Amazon Pay partner merchants and 1% back on all spending is a plus, ranking this as a decent cashback card overall. We recommend this ICICI Bank credit card frequent Amazon shoppers.

How Does the Amazon Pay ICICI Credit Card Rewards Programme Work?

The Amazon Pay ICICI Card reward programme offers cardholders with cashback on all purchases with elevated cashback on Amazon spending. The cashback for Prime members is 5% on Amazon India spending, but goes down to 3% cashback for non-Prime members. You also earn 2% on Amazon Pay partner merchant spending and 1% cashback on all other spending categories. The unredeemed cashback never expires.

  • 5% cashback on Amazon India spending for Prime members
  • 3% cashback on Amazon India spending for non-Prime members
  • 2% cashback on Amazon India Pay partner merchant spending
  • 1% cashback on general spending
  • Cashback never expires

Amazon Pay ICICI Credit Card Features and Benefits

Card Overview
  • Annual Fee: None
  • Income Requirement: None listed by issuer
  • Age Requirement: 21-65
Rewards Rate Details
  • 5% cashback on Amazon India spending for Prime members
  • 3% cashback on Amazon India spending for non-Prime members
  • 2% cashback on Amazon India Pay partner merchant spending
  • 1% cashback on general spending
Benefits & Perks
  • 15% savings on dining bills at over 2,500 restaurants across India through Culinary Treats Programme through ICICI Bank
  • Waiver of 1% on fuel surcharge
  • Cashback never expires

How Does Amazon Pay ICICI Card Compare to Other Options?

While this is a great card for shoppers who do most of their online spending with Amazon, people with more diverse shopping habits may want a credit card that offers better rewards rates on non-Amazon websites. We've compared some of the stronger alternatives to Amazon Pay ICICI card so you can understand the differences.

Graph showing India’s Best Cashback Cards for Consumers Spending approximately Rs. 47,000 per month

Amazon Pay ICICI Card vs. SimplyCLICK SBI Card

Consider this if you are looking for a card to use on online spending

Age Requirement None listed by issuer
Annual Income Requirement None listed by issuer

The SimplyCLICK SBI Card is a great versatile online shopping credit card. We would recommend the SimplyCLICK SBI card for frequent online shoppers who spend the majority of their budget on non-Amazon sites. Our calculations determine that if Amazon expenses make up 10% or less of your shopping expenses, then you should select the SBI SimplyCLICK card. If you spend over 10% of your shopping budget on Amazon as a Prime member, then the ICICI Amazon Pay card is the better option for you.

The SimplyCLICK SBI earns a solid 2.50% rewards rate on Amazon and a few other select online retailers. Furthermore, the SBI SimplyCLICK offers a decent rewards rate of 1.25% on all online spending, better than the Amazon Pay ICICI card's 1% on non-Amazon spend. However, SimplyCLICK SBI credit card only offers 0.25% on general spending, much lower than the 1% earned on the ICICI Bank option. These rewards are much lower than the 5% and 3% offered for Amazon Prime and non-Prime members respectively.

Citibank Rewards Card vs. Amazon Pay ICICI Card

Consider this if you are looking for a shopping card without a costly annual fee

Age Requirement None listed by issuer
Annual Income Requirement None listed by issuer

The Citibank Rewards Card is a great shopping card for individuals interested in a rewards card that has attractive rewards for a general shopping. However, for individuals that spend most of their shopping expenses on Amazon, the Amazon Pay ICICI card is the better option.

The Citi Rewards card has no joining fee and the Rs. 1,000 annual fee is easily waivable as long as the cardholder spends Rs. 30,000 annually, effectively making this a "lifetime free" card. Cardholders earn a rewards rate of 2.8% on all retail spending making it more useful for individuals who prefer shopping in person. The card ranks the card among the top tier for the specific category across the market and also avail a great sign-up bonus for high spenders, while the ICICI Amazon Pay card offers no bonuses or promotions.

Sahmi Chowdhury

Sahmi is a Junior Research Analyst specialising in credit cards and insurance in India. He previously worked in the financial services sector at Brown Brothers Harriman and True Capital Management.