As you might know, ICICI bank has been working close with Amazon for quite sometime by running “Amazon Super Value Day Offer” every month and now they’ve taken their partnership to a whole new level.

We do currently have Axis Buzz credit card with a similar partnership with Flipkart store but it never became that popular. Even HDFC bank too has Snapdeal credit card but as Snapdeal customer base is too low compared to the giants, it never became talk of the country either.

ICICI bank on other hand nailed it so well and created an amazing product after a long time for the mass population. If i understand it right, this is going to help a LOT of non credit card shoppers to get into the credit card system. Lets look into what the card has to offer,

  • Joining/Annual Fee: Nil

ICICI Bank Amazon Pay Credit Card

Amazon Pay Credit Card Benefits

  • Earn 5% back on for Amazon Prime customers
  • Earn 3% back on for non-prime customers
  • Earn 2% back on 100+ Amazon Pay partner merchants
  • Earn 1% back on all other payments
  • Type of Reward system: as Amazon Pay balance
  • Upper Cap: No limit

Neat & simple – the type of cards that i wish to have from ICICI bank. 5% savings with no capping (make hay while sun shines) is AMAZING and even 1% savings on all other spend is far better compared to other credit cards in the segment.

The bank has also done so well by taking advantage of the Amazon Pay system for rewarding the customers seamlessly.

While that’s so good to hear, in terms of returns, it cannot get near the HDFC’s 10X offer with Amazon, but considering a card for a beginner with better liquidity, ICICI’s offering remains one of the best in its category.

Amazon has clearly understood the potential of Indian market very well that they’ve given us better savings compared to their credit card offering in USA.

How to Get it?

The select ICICI bank customers will be able to see their invite on the Amazon app. They can apply for the card immediately to get a ready-to-use digital card instantly, in a completely digital and paperless manner, physical card will be sent in a week time.

You may also check this link to see if you’re invited.

“At the moment it is open to only ICICI Bank customers who have a depth of relationship with Amazon. And in about 60 days we will start offering it to non-ICICI Bank customers who have a history with Amazon,” said Sudipta Roy, General Manager & Head – Unsecured Assets & Cards, ICICI Bank.


Currently, any customer residing in the below 35 cities can apply for this credit card: Agra, Ahmedabad, Aurangabad, Baroda, Bengaluru, Bhopal, Chandigarh, Chennai, Coimbatore, Delhi, Faridabad, Ghaziabad, Gurgaon, Hyderabad, Indore, Jaipur, Kanpur, Kolkata, Kota, Lucknow, Ludhiana, Meerut, Mumbai, Mysore, Nagpur, Nasik, Navi Mumbai, Noida, Patna, Pune, Rajkot, Surat, Thane, Udaipur, Vishakhapatnam. For customers residing outside these cities, we are working on enabling the application process.


After ICICI Jet Sapphiro Amex credit card, this is the second best credit card you can get with ICICI Bank. ICICI Bank has always been in the market to cater to the beginners.

For ex, their lifetime free ICICI platinum credit card is one of the successful credit card for the bank just because it was given free. They probably used the data very well to make the Amazon Pay card Free so that they could acquire more customers.

  • Cardexpert Rating: 4/5 

This is going to attract 100+Mn Amazon Shoppers – a huge number that’s good enough to shake the credit card industry in 2019. After all, why wouldn’t someone get a FREE credit card to save extra 5% on their amazon spend?

If everything goes well, expect every Tom, Dick and Harry hold this card very soon 🙂

What’s your take on ICICI Bank Amazon Pay Credit Card? Feel free to share your thoughts in the comments below.

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