AMAZON PAY ICICI Credit Card Review (2026): Fees, Rewards, Lounge & Eligibility
The AMAZON PAY ICICI is a co-branded cashback credit card offered by ICICI Bank in India. Powered by the Visa network, this card is designed to maximize savings for cardholders in their daily transactions. With a joining fee structure starting at Free, it caters to users seeking to optimize rewards in the cashback category. In this detailed review, we analyze its fee waiver milestones, airport lounge access policies, reward caps, and eligibility requirements to help you decide if it is worth adding to your wallet in 2026.
Key Benefits & Reward Structure
The reward rate is one of the most critical aspects of any credit card. The AMAZON PAY ICICI offers a customized reward structure optimized for category spends:
- Online Spends: Offers 1% reward rate on eligible digital purchases.
- Offline Spends: Earns 1% cashback/rewards on eligible brick-and-mortar purchases.
- Jewelry: Offers 1% rewards.
- Insurance: Offers 1% / 2% rewards.
- Utilities: Offers 2% rewards.
- Wallets: Offers 1% rewards.
- Amazon: Offers 5% / 3% rewards.
- Amazon Fresh: Offers 5% / 3% rewards.
- BigBasket: Offers 2% rewards.
- Blinkit: Offers 1%/2% rewards.
- Flipkart: Offers 1% rewards.
- Flipkart Grocery: Offers 1% rewards.
- JioMart: Offers 1% rewards.
- Myntra: Offers 1% rewards.
- Ola: Offers 1% rewards.
- Swiggy: Offers 1% rewards.
- Rapido: Offers 1% rewards.
- Uber: Offers 1% rewards.
- Zomato: Offers 1% rewards.
- NPS: Offers 1% rewards.
Important Parameters: No Caps
Pros & Cons
Pros
- Lifetime Free (LTF) card with no joining or recurring annual fees.
- Attractive reward rate on online shopping spends.
Watchouts & Cons
- Does not offer complimentary airport lounge access.
- Monthly capping applies on maximum reward points/cashback accumulation.
CardSe Verdict
The AMAZON PAY ICICI is a solid cashback credit card for users looking to consolidate their spends with ICICI Bank. Since the card is lifetime free, it is a low-risk option to keep in your wallet to build history. We recommend comparing it with similar cards in the cashback category before applying.
Detailed Card Parameters
| Joining/Annual Fee | LTF |
| Welcome Benefit | Amazon Pay balance benefits as per active onboarding campaign |
| Annual Fee Waiver Spends | - |
| Domestic Lounge Visits | - |
| Spends for Lounge | - |
| Amazon | 5% / 3% |
| Amazon Fresh | 5% / 3% |
| BigBasket | 2% |
| Blinkit | 1%/2% |
| Education | - |
| Flipkart | 1% |
| Flipkart Grocery | 1% |
| Fuel | - |
| Gift Cards | - |
| Govt. Payments | - |
| Insurance | 1% / 2% |
| Jewelry | 1% |
| JioMart | 1% |
| Myntra | 1% |
| NPS | 1% |
| Offline Spends | 1% |
| Ola | 1% |
| Online Spends | 1% |
| Rapido | 1% |
| Rent | - |
| Swiggy | 1% |
| Uber | 1% |
| Utilities | 2% |
| Wallets | 1% |
| Zomato | 1% |
| Notes | No Caps |
Frequently Asked Questions
- What is the annual fee of the AMAZON PAY ICICI?
- The AMAZON PAY ICICI has a joining/annual fee of Free + GST. There is no standard fee waiver milestone for this card.
- Does the AMAZON PAY ICICI offer airport lounge access?
- No, the AMAZON PAY ICICI does not offer complimentary domestic or international airport lounge visits.
- Which network is the AMAZON PAY ICICI issued on?
- The AMAZON PAY ICICI is issued on the Visa network, ensuring wide acceptance across merchants in India and globally.
- Is the AMAZON PAY ICICI worth it?
- Yes, the card is worth it if your monthly spends match its primary reward categories. For lifetime free variants, it carries zero recurring cost and acts as an excellent entry point. For paid variants, the rewards and benefits will easily exceed the annual fee when used optimally.