Amazon Pay ICICI Credit Card Review (2026)
India's most popular co-branded card. Lifetime free with 5% back on Amazon for Prime members. The card every Amazon shopper should have.
Last updated: 2026-03-24· By PointsWallah Editorial
Fee Details
| Annual Fee | Lifetime Free |
| Joining Fee | Free |
| Fee Waiver | Lifetime free |
| Income Required | ₹3L/year |
| Network | Visa |
| Fuel Surcharge Waiver | Yes |
Reward Rates
Currency: Amazon Pay Balance
Our Review
This is the single most no-brainer credit card in India. It's lifetime free, gives you 5% back on Amazon (if you have Prime), and is incredibly easy to get approved for. The catch is that the cashback comes as Amazon Pay balance — which is fine if you shop on Amazon regularly, but can't be transferred to your bank account. The 1% base rate on everything else is underwhelming, which is why this should be your Amazon-only card, paired with something like the Axis ACE (2% flat) for everything else. If you don't have this card yet, you're literally leaving money on the table every time you shop on Amazon.
Pros & Cons
Pros
- + Lifetime free — zero annual and joining fee
- + 5% back on Amazon for Prime members — best Amazon card in India
- + Cashback as Amazon Pay balance — instantly usable
- + Easy approval — one of the easiest cards to get in India
Cons
- - 1% base rate on non-Amazon spends is low
- - Cashback is Amazon Pay balance, not statement credit or bank transfer
- - No lounge access
- - No milestone benefits or premium perks
Best For
Compare Amazon Pay ICICI Credit Card
Frequently Asked Questions
Is the Amazon Pay ICICI Credit Card worth it in 2026?
Yes — the Amazon Pay ICICI Credit Card is lifetime free, so there's zero risk. Lifetime free — zero annual and joining fee
What is the Amazon Pay ICICI Credit Card annual fee?
The Amazon Pay ICICI Credit Card is lifetime free — no joining fee and no annual fee, ever.
What is the minimum salary required for Amazon Pay ICICI Credit Card?
The minimum annual income required for the Amazon Pay ICICI Credit Card is ₹3L. However, if you have an existing banking relationship with ICICI Bank, you may get approved at a lower income level.
Disclaimer: This review is for informational purposes only and does not constitute financial advice. Card features, fees, and reward structures may change without notice. Please verify all details on ICICI Bank's website before applying. We may earn a commission if you apply through our links — this does not affect our editorial assessment.