Key benefits
- Lifetime free — no joining or annual fee
- 5% back for Amazon Prime members on Amazon, 3% for non-members
- 2% back on partner merchants, 1% everywhere else
- Rewards credited as Amazon Pay balance with no expiry
Fees and charges
| Joining fee | Nil |
| Annual fee | Nil |
| Interest rate | 3.75% per month (45% p.a.) |
| Cash advance | 2.5%, minimum ₹500 |
| Fuel surcharge | 1% waiver up to ₹4,000 per transaction |
Eligibility
- Aged 18 or above with a stable income
- Amazon account in the applicant's name
- Credit score above 700; ICICI often pre-approves existing customers
Who it suits
No fee at all, so it costs nothing to hold — the easiest first card for an Amazon household.
Watch out for
Rewards are locked into Amazon Pay balance, so they are only useful if you shop there.
Fees and reward rates shown are indicative and set entirely by ICICI Bank. They change without notice — confirm the current terms on the issuer's own page before you apply.