How much cashback does the Amazon Pay ICICI Bank Credit Card give?

You get 5% back on Amazon.in purchases for Prime members. Other eligible spends earn 1%. On ₹10,000 of spend in the top category that is ₹500 back, so about ₹6,000 a year if you hit it every month. Fuel, EMI transactions, Purchases of gold/gold jewellery, Wallet loads earn nothing at all.

What is the forex markup on the Amazon Pay ICICI Bank Credit Card?

The markup is 1.99% plus GST, which is ₹1,990 on ₹1L of overseas spend against ₹3,500 on a standard 3.5% card. The saving only counts if you also earn rewards on international spends, so check that they are not on the excluded list. Decline dynamic currency conversion at the terminal and pay in the local currency.

What changed on the Amazon Pay ICICI Bank Credit Card recently and is it still worth it in 2026?

core 5% Amazon intact & forex cut to 1.99% (Oct 2025), but bill-pay reward cuts, 1% wallet fee ≥₹5,000 (Jan 2026), invite-only issuance. The changes are dated Oct 2025; Jan 15, 2026. It costs nothing to hold, so keep it as a backup card and stop treating it as your main one if your top category no longer earns.

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Card Details

3885 8992 3256 4524

Amazon Pay ICICI Bank Credit Card

ICICIVISA

Monzy Score

8.5/ 10

Excellent for online shoppers.

Lifetime free, so no fee to earn back; strong ~5% back in its core category.

Card Issuer

ICICI Bank

Joining Fee

Zero

Annual Fee

Zero

Reward Type

Cashback

Card Access

Standard

Changes to this card

21 Aug 2026
Official product page updated.

Offers from ICICI Bank

See all

Earn Points

Cashback on Amazon purchases (Amazon Pay balance)

Cashback on Amazon purchases (Non-Prime members)

On Movie Tickets via Amazon Pay

Cashback on other eligible payments

Benefits

Shopping

5% cashback on Amazon purchases

Amazon purchase rewards with Amazon Pay balance credit
Rewards are unlimited
Cashback is never-expiring
Cashback is credited to Amazon Pay balance
Higher reward rate for Amazon Prime member (5% vs 3% for non-Prime)

Protection

No joining or annual fee

No joining and annual fee
No Joining Fee
FAQ confirms no joining fee or annual fee

Flights

2% Back on Amazon Pay Flight Bookings

Reward Calculator

NOTE: Enter your monthly spends to see
projected returns.

Excluded: fuel

Total Monthly Spend

Min: ₹5,000Max: ₹2,00,000

Estimated Returns

Amazon.in - Prime members

Genuinely uncapped 5% Amazon Pay balance for Prime members.

₹1,500

Amazon.in - non-Prime members

Uncapped 3% for non-Prime members.

₹0

Amazon Pay partner merchants (100+)

2% on bill payments and 100+ Amazon Pay partner merchants.

₹0

All other spends

1% on all other eligible spends. No joining/annual fee.

₹0

Total Annual Return

₹18,000

5% Effective ROI

What Users Are Saying

Community Feed

Jan 2026

Amazon Pay ICICI BankNEUTRAL

“My experience with Amazon Pay ICICI Credit Card”

by r/CreditCardsIndia, Jan 2026

Amazon Pay ICICI BankNEUTRAL

“The Down side of Amazon Pay ICICI Credit Card.”

by r/CreditCardsIndia, Jul 2025

Amazon Pay ICICI BankNEUTRAL

“Amazon Pay ICICI Credit Card – How to maximize”

by r/CreditCardsIndia, Apr 2026

Amazon Pay ICICI BankNEUTRAL

“Is Amazon pay icici credit card worth getting?”

by r/CreditCardsIndia, Jul 2024

Amazon Pay ICICI BankPOSITIVE

“Best Way to Apply for ICICI Amazon Pay Credit Card?”

by r/CreditCardsIndia, Jul 2025

Frequently Asked Questions

The Amazon Pay ICICI Bank Credit Card is a lifetime free card, so there is no joining fee and no renewal fee to recover. Everything you earn on it is net gain, which also means the only thing worth watching is the reward caps and the excluded categories. Check that the card still has no fee on your welcome letter, because ICICI Bank prices some variants differently.

Things to Keep in Mind

The 5% and 3% reward rates on Amazon.in are not applicable on purchases of gold and gold jewellery, EMI transactions, and wallet loads.

←

Card Details

3885 8992 3256 4524

Amazon Pay ICICI Bank Credit Card

ICICIVISA

Monzy Score

8.5/ 10

Excellent for online shoppers.

Lifetime free, so no fee to earn back; strong ~5% back in its core category.

Card Issuer

ICICI Bank

Joining Fee

Zero

Annual Fee

Zero

Reward Type

Cashback

Card Access

Standard

Changes to this card

21 Aug 2026
Official product page updated.

Offers from ICICI Bank

See all

Earn Points

Cashback on Amazon purchases (Amazon Pay balance)

Cashback on Amazon purchases (Non-Prime members)

On Movie Tickets via Amazon Pay

Cashback on other eligible payments

Benefits

Shopping

5% cashback on Amazon purchases

Amazon purchase rewards with Amazon Pay balance credit
Rewards are unlimited
Cashback is never-expiring
Cashback is credited to Amazon Pay balance
Higher reward rate for Amazon Prime member (5% vs 3% for non-Prime)

Protection

No joining or annual fee

No joining and annual fee
No Joining Fee
FAQ confirms no joining fee or annual fee

Flights

2% Back on Amazon Pay Flight Bookings

Reward Calculator

NOTE: Enter your monthly spends to see
projected returns.

Excluded: fuel

Total Monthly Spend

Min: ₹5,000Max: ₹2,00,000

Estimated Returns

Amazon.in - Prime members

Genuinely uncapped 5% Amazon Pay balance for Prime members.

₹1,500

Amazon.in - non-Prime members

Uncapped 3% for non-Prime members.

₹0

Amazon Pay partner merchants (100+)

2% on bill payments and 100+ Amazon Pay partner merchants.

₹0

All other spends

1% on all other eligible spends. No joining/annual fee.

₹0

Total Annual Return

₹18,000

5% Effective ROI

What Users Are Saying

Community Feed

Jan 2026

Amazon Pay ICICI BankNEUTRAL

“My experience with Amazon Pay ICICI Credit Card”

by r/CreditCardsIndia, Jan 2026

Amazon Pay ICICI BankNEUTRAL

“The Down side of Amazon Pay ICICI Credit Card.”

by r/CreditCardsIndia, Jul 2025

Amazon Pay ICICI BankNEUTRAL

“Amazon Pay ICICI Credit Card – How to maximize”

by r/CreditCardsIndia, Apr 2026

Amazon Pay ICICI BankNEUTRAL

“Is Amazon pay icici credit card worth getting?”

by r/CreditCardsIndia, Jul 2024

Amazon Pay ICICI BankPOSITIVE

“Best Way to Apply for ICICI Amazon Pay Credit Card?”

by r/CreditCardsIndia, Jul 2025

Frequently Asked Questions

Things to Keep in Mind

The 5% and 3% reward rates on Amazon.in are not applicable on purchases of gold and gold jewellery, EMI transactions, and wallet loads.

←

Card Details

3885 8992 3256 4524

Amazon Pay ICICI Bank Credit Card

ICICIVISA

Monzy Score

8.5/ 10

Excellent for online shoppers.

Lifetime free, so no fee to earn back; strong ~5% back in its core category.

Card Issuer

ICICI Bank

Joining Fee

Zero

Annual Fee

Zero

Reward Type

Cashback

Card Access

Standard

Changes to this card

21 Aug 2026
Official product page updated.

Offers from ICICI Bank

See all

Earn Points

Cashback on Amazon purchases (Amazon Pay balance)

Cashback on Amazon purchases (Non-Prime members)

On Movie Tickets via Amazon Pay

Cashback on other eligible payments

Benefits

Shopping

5% cashback on Amazon purchases

Amazon purchase rewards with Amazon Pay balance credit
Rewards are unlimited
Cashback is never-expiring
Cashback is credited to Amazon Pay balance
Higher reward rate for Amazon Prime member (5% vs 3% for non-Prime)

Protection

No joining or annual fee

No joining and annual fee
No Joining Fee
FAQ confirms no joining fee or annual fee

Flights

2% Back on Amazon Pay Flight Bookings

Reward Calculator

NOTE: Enter your monthly spends to see
projected returns.

Excluded: fuel

Total Monthly Spend

Min: ₹5,000Max: ₹2,00,000

Estimated Returns

Amazon.in - Prime members

Genuinely uncapped 5% Amazon Pay balance for Prime members.

₹1,500

Amazon.in - non-Prime members

Uncapped 3% for non-Prime members.

₹0

Amazon Pay partner merchants (100+)

2% on bill payments and 100+ Amazon Pay partner merchants.

₹0

All other spends

1% on all other eligible spends. No joining/annual fee.

₹0

Total Annual Return

₹18,000

5% Effective ROI

What Users Are Saying

Community Feed

Jan 2026

Amazon Pay ICICI BankNEUTRAL

“My experience with Amazon Pay ICICI Credit Card”

by r/CreditCardsIndia, Jan 2026

Amazon Pay ICICI BankNEUTRAL

“The Down side of Amazon Pay ICICI Credit Card.”

by r/CreditCardsIndia, Jul 2025

Amazon Pay ICICI BankNEUTRAL

“Amazon Pay ICICI Credit Card – How to maximize”

by r/CreditCardsIndia, Apr 2026

Amazon Pay ICICI BankNEUTRAL

“Is Amazon pay icici credit card worth getting?”

by r/CreditCardsIndia, Jul 2024

Amazon Pay ICICI BankPOSITIVE

“Best Way to Apply for ICICI Amazon Pay Credit Card?”

by r/CreditCardsIndia, Jul 2025

Frequently Asked Questions

Things to Keep in Mind

The 5% and 3% reward rates on Amazon.in are not applicable on purchases of gold and gold jewellery, EMI transactions, and wallet loads.