ICICI • Visa

Amazon Pay ICICI

Verified 13 Feb 2026VerifiedHigh confidence3 sources checked

Get it if

Use primarily for Amazon and Amazon Pay partner spends while keeping Prime active if possible

Skip it if

Avoid overestimating value if your annual Amazon spend is low or Prime lapses

Latest change: Verified no-fee structure, reward ladder, and forex markup update date from issuer announcement

For Amazon Loyalists. 5% on shopping spend. No annual fee. Skip it for lounge access.

Quick Overview

What matters before you apply.

You should be able to scan the fee, waiver rule, best use case, lounge condition, and biggest downside in one pass.

Why get it

Why you should get it

Amazon Loyalists

Lifetime free card with no joining or annual fee
5% rewards on Amazon shopping for Prime members (3% for non-Prime)
2% rewards on Amazon Pay partner merchants and 1% on other eligible spends
International transaction program update announced with reduced forex markup and bonus points offer

Why skip it

Why you may regret it

These are the rules and drawbacks most likely to make the card feel disappointing after signup.

Highest earn rate depends on maintaining Amazon Prime membership
Rewards are Amazon Pay balance linked, not universal statement cashback
No base airport lounge benefit in default proposition

Annual FeeFreeNo annual fee.

Spend to Waive FeeNot neededThis card is lifetime free.

Best Category Return5%Shopping spend

Lounge Access ConditionNo accessNo lounge access listed.

Quick notes

How to use the card well, and what to watch before applying.

How to use it well

Use primarily for Amazon and Amazon Pay partner spends while keeping Prime active if possible.
Keep as no-fee backup card for ICICI/Amazon sale events and credit history age.
For non-Amazon online spends, pair with SBI Cashback or equivalent broad online card.

Watch before applying

Avoid overestimating value if your annual Amazon spend is low or Prime lapses.
International bonus program terms may be time-bound and must be rechecked before travel.
Reward payout is ecosystem linked to Amazon Pay, not unrestricted cash to bank account.

Compare or Switch

What to do if this card is close, but not perfect.

Compare this card side-by-side or jump into a few strong alternatives before you move into the deeper research sections.

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Value & Fees

Check if the card clears its own fee.

Keep the topline simple first. Open the calculators only if the fee, waiver rule, and reward shape still look attractive.

Annual feeFree

No annual fee.

Fee waiverNot needed

This card is lifetime free.

Best return5%

Shopping spend

Your spend, your value

Will this card earn its keep for you?

Adjust your estimated monthly spend to see the personalized annual value after fees.

₹5K30,000/mo₹5L

Est. annual value+₹5,868after annual fee

Lifetime free — every rupee is upside

Fee waiver estimator

Adjust your spend only if you need to test whether the card pays for itself.

Open

Monthly spend

₹30,000 / mo

₹3,60,000 / year

Estimated rewards₹3,600

Assumes base reward rate only.

Annual feeWaived

No waiver condition listed.

Net value₹3,600

Estimated savings per year.

Reward rate breakdown

Open the category chart when two cards are close and you need the exact spend shape.

Open

Reward Rate Breakdown

Category-wise reward rates for this card

Shopping

5.0%

Basedefault

1.0%

Online

1.0%

Dining

1.0%

Current Opportunities

Open the live value layer only if the card still looks strong.

Live offers, redemptions, and milestone math are useful for optimization, but they should not crowd the main decision.

Live offers9 listed

Nearest expiry: 2026-02-19

Best redemptionAmazon Pay (Brand Wallet)

Value band: ₹0.25-₹0.60/pt

Milestones2 rules

Top boost: Amazon Shopping (Prime)

Top boost: Amazon Shopping (Prime)Exclusion risk: high (79/100)Best redemption: Amazon Pay (Brand Wallet)Nearest offer expiry: 2026-02-19

Live offer and point snapshot

Latest tactical offers, point values, and catalog support imported for this card.

Open

Latest Imported Data

Offer + Point Snapshot

Action-first view of live-offer shortlists, 5,000-point valuation checks, catalog support, and urgent spend rows.

Mapped coverage20

Points11 May 2026Offers11 May 2026Catalog11 May 2026SupportSupport unknown

Planned spend signalCLEARTRIP · Flat 10% off

Use for planned spend · valid till 30 Sept 2026

HIGH VALUE142 days left15 active offersOffers refreshed 11 May 2026

Best 5,000-point useNot quantifiedAmazon Pay · Brand Wallet

Quantified point paths1Coverage found, but the source did not expose rupee-value estimates

Active shortlisted offers15CLEARTRIP · Flat 10% off

Catalog supportFallback modeNo provider support row mapped yet.

Today action plan

Urgent, soon, and high-value rows from the latest action-plan export.

HIGH VALUEFlightsCode: CANARACC

CLEARTRIP

Flat 10% off

Valid till 30 Sept 2026 · 142 days left

Use code CANARACC; expires in 142 day(s)

HIGH VALUEShoppingCode: FTVISA

FASTRACK

Get Flat 10% off

Valid till 30 Sept 2026 · 142 days left

Use code FTVISA; expires in 142 day(s)

HIGH VALUEUncategorizedCode: ABHVISA

ABHIBUS

Get 15% Instant Discount

Valid till 30 Sept 2026 · 142 days left

Use code ABHVISA; expires in 142 day(s)

HIGH VALUEShoppingCode: FLAT20

BEYOUNG

Flat 20% off

Valid till 31 Dec 2026 · 234 days left

Use code FLAT20; expires in 234 day(s)

HIGH VALUEShoppingCode: FLAT18

FREECULTR

Flat 18% off

Valid till 31 Dec 2026 · 234 days left

Use code FLAT18; expires in 234 day(s)

Top 5,000-point paths

These are the best category-level outcomes found in the latest quantified valuation run.

Brand WalletNot quantified

Amazon Pay

Coverage found, but rupee value was not quantified

Points transfer ratio 1:1

Monthly cashback is automatically converted to Amazon Pay balance at the end of each billing cycle.
The Amazon Pay balance can be redeemed for all Amazon and Amazon Pay purchases.

Actionable offer shortlist

Offer rows are shown with exact expiry dates, so stale shortlist ranks do not get surfaced as live.

FlightsCode: CANARACC

CLEARTRIP

Flat 10% off

Valid till 30 Sept 2026 · 132 days left

Use code CANARACC; expires in 142 day(s)

ShoppingCode: FLAT20

BEYOUNG

Flat 20% off

Valid till 31 Dec 2026 · 224 days left

Use code FLAT20; expires in 234 day(s)

ShoppingCode: FTVISA

FASTRACK

Get Flat 10% off

Valid till 30 Sept 2026 · 132 days left

Use code FTVISA; expires in 142 day(s)

ShoppingCode: FLAT18

FREECULTR

Flat 18% off

Valid till 31 Dec 2026 · 224 days left

Use code FLAT18; expires in 234 day(s)

UncategorizedCode: ABHVISA

ABHIBUS

Get 15% Instant Discount

Valid till 30 Sept 2026 · 132 days left

Use code ABHVISA; expires in 142 day(s)

Redemption tools

Use these only if your shortlist is down to cards where redemption value can change the decision.

Open

Redemption optimizer unavailable

This card is better evaluated through direct cashback, fee drag, and perk value right now.

Redemption Paths

Transfer ratios, minimum transfer rules, and redemption value hints.

Fresh• 1h old

Redemption Value Explorer

Modeled using estimated value-band ranges from enrichment data.

Points to evaluate

Best path: Amazon PayBand: ₹0.25-₹0.60/pt

Amazon Pay

Brand Wallet

Ratio: Points transfer ratio 1:1₹0.25-₹0.60/pt

Monthly cashback is automatically converted to Amazon Pay balance at the end of each billing cycle.
The Amazon Pay balance can be redeemed for all Amazon and Amazon Pay purchases.

Live offers and milestones

Open this when you are timing an application or want to see the current offer stack.

Open

Live Offers

Expiring offers are prioritized first, with details and terms.

Fresh• 1h old

MI.COM

Rs.2000 Discount

expiring soonExpires 2026-02-19

Rs.2000 Discount on Redmi Pad SE 4GB+128GB
Minimum transaction value Rs.8999

Terms

Offer Period: 19-Feb-26
Applicable on ICICI Bank Credit Card EMI
Terms and Conditions Apply.
Valid on ICICI Bank Credit Cards

MI.COM

Rs.1750 Discount

expiring soonExpires 2026-02-19

Rs.1750 Discount on Redmi Pad Pro 5G 8GB+128GB
Minimum transaction value Rs.22999

Terms

Offer Period: 19-Feb-26
Applicable on ICICI Bank Credit Card Full Swipe
Terms and Conditions Apply.
Valid on ICICI Bank Credit Cards

MI.COM

Rs.750 Discount

expiring soonExpires 2026-02-19

Rs.2000 Discount on Redmi Pad SE 4GB+128GB
Minimum transaction value Rs.8999

Terms

Offer Period: 19-Feb-26
Applicable on ICICI Bank Credit Card EMI
Terms and Conditions Apply.
Valid on ICICI Bank Credit Cards

AJIO.COM

7.5% off

trending

7.5% off (upto Rs.750) on a minimum purchase of Rs.3999

Terms

Offer Validity: Jan 07 to Mar 25, 2026
Valid on Credit Cards
Valid on ICICI Bank Credit Cards

AJIO.COM

Additional 8% discount

trendingCode: ALXADNETO

Additional 8% discount on Ajio Luxe
Minimum spend of Rs.10000

Terms

For detailed understanding and learn about the brands part of this offer please click Brand List
The offer can be used multiple times by a single user
Offer details as shown are based on information provided by the Merchant. No warranties are made by Visa that the information is correct. Please check directly with Merchant to confirm the availability and validity of the Offer.
Valid on Visa Card

AJIO.COM

Flat 4% off

trendingCode: AJIO4

Flat 4% off on Ajio

Terms

This is an AJIO Luxe GV/GC (Gift Voucher/Gift Card) issued by Pine Labs Limited, which is a company incorporated under the laws of India, and is authorised by the Reserve Bank of India ("RBI") to issue such Gift Cards. AJIO Luxe GV/GC is redeemable on luxe.AJIO.com.
The holder of this GV/GC is deemed the beneficiary.
This GV/GC is non-transferable, non-negotiable, non-refundable, and cannot be returned or redeemed for cash or credit.
Expired GV/GCs cannot be revalidated.

ABHIBUS

Get 15% off

just launched

ABHIBUS

Get 5% Instant Discount

just launched

AGODA

Get up to 10% off

just launched

Milestones

Spend thresholds and rewards grouped by period.

Fresh• 1h old

Milestone ROI Calculator

Estimate incremental value unlocked at the current spend model.

Monthly spend (₹)

Modeled annual spend: ₹4,80,000Incremental unlocked value: ₹0Top listed threshold reached

Activate your card

AnnualEst. unlock: ₹4,500

For Prime Members: Get a welcome offer worth INR 2,500 along with 1-month Eazy Diner membership when you make a payment through Amazon. Simply pay the specified amount, and you’ll receive exclusive gift vouchers as part of this offer.
For Non-Prime Members: Enjoy a welcome offer worth INR 2,000 and 1-month Eazy Diner membership by making a payment through Amazon.Pay the required amount, and unlock special gift vouchers with this offer.

Lounge Reality

Treat lounge as real value only after the rule check passes.

Keep the headline simple first. Open the full checklist and airport map only if lounge access matters for this card.

Visits listedNo access

No complimentary lounge visits are currently listed.

Access ruleNo access

Source snapshot maps to "Amazon Pay ICICI" (0 lounges: 0 domestic, 0 international). Policy override notes: • Amazon Pay ICICI is primarily a cashback-focused card. • No airport lounge benefit is listed for this variant in current issuer-facing card material. • No lounge spend-unlock rule is listed for Amazon Pay ICICI. • No quarter/cycle lounge entitlement is listed for Amazon Pay ICICI. • Guest lounge access is not listed for Amazon Pay ICICI. • Priority Pass is not listed for Amazon Pay ICICI. Verify latest spend criteria and guest access with issuer before travel.

Coverage sourcePolicy fallback

Policy fallback: Policy-only fallback: this card is cashback-focused and no airport lounge entitlement is listed in current issuer-facing terms.

Full lounge eligibility checklist

Open this to validate spend thresholds, program fit, and any conditions that can block access.

Open

Lounge eligibility checklist

Policy fallback: Policy-only fallback: this card is cashback-focused and no airport lounge entitlement is listed in current issuer-facing terms.

Lounge Spend Tracker

Eligibility target met: No

Track lounge eligibility for Amazon Pay ICICI using your current period spend.

Your current spend (period)Set threshold manually

₹0 spentAdd threshold to start tracking

No spend threshold was detected from current lounge policy text. You can still track manually.

Spend threshold

No lounge spend-unlock rule is listed for Amazon Pay ICICI.

Quarter / cycle rule

No quarter/cycle lounge entitlement is listed for Amazon Pay ICICI.

Guest access

Guest lounge access is not listed for Amazon Pay ICICI.

Priority Pass

Priority Pass is not listed for Amazon Pay ICICI.

Airport-wise lounge locations

Open the full location map only if this card passes the lounge rule check above.

Open

Lounge locations

No airport-wise rows currently available

Airport-level lounge rows are not currently available for this card. We still show policy checklist details above.

Decision Details

Open the dense rulebook only when you are close to applying.

Earn exclusions, fine-print benefits, and fee rows matter, but they should sit behind an extra click instead of competing with the main overview.

Earn rules17 rows

Exclusion risk: high

Benefits2 perks

Insurance, memberships, partner perks, and recurring value-adds.

Charges6 fee rows

Forex, late fee, interest, and other cost details.

Earn rules and exclusions

Open this when two cards are close and exclusions can change the winner.

Open

Earn Rule Matrix

Boosted, capped, and zero-reward categories in one table.

Exclusion risk: high (79/100)

Fresh• 1h old

Category / Merchant	Reward	Bucket
Amazon Shopping (Prime) Base: 1% Cashback per ₹100 spent Note: Categories or merchants not listed below will earn base rewards	5% Cashback Earn 5% Cashback per ₹100 spent	More
Amazon (Flights/Hotels) Base: 1% Cashback per ₹100 spent Note: Categories or merchants not listed below will earn base rewards	3% Cashback Earn 3% Cashback per ₹100 spent	More
Amazon (Grocery) Base: 1% Cashback per ₹100 spent Note: Categories or merchants not listed below will earn base rewards	3% Cashback Earn 3% Cashback per ₹100 spent	More
Amazon Shopping (Non-Prime) Base: 1% Cashback per ₹100 spent Note: Categories or merchants not listed below will earn base rewards	3% Cashback Earn 3% Cashback per ₹100 spent	More
Amazon (Utilities, Digital products & Gift Cards) Base: 1% Cashback per ₹100 spent Note: Categories or merchants not listed below will earn base rewards	2% Cashback Earn 2% Cashback per ₹100 spent	More
Amazon Pay (Other merchants) Base: 1% Cashback per ₹100 spent Note: Categories or merchants not listed below will earn base rewards	2% Cashback Earn 2% Cashback per ₹100 spent	More
Government Base: 1% Cashback per ₹100 spent Note: Categories or merchants not listed below will earn base rewards	1% Cashback Earn 1% Cashback per ₹100 spent	Low/Capped
Insurance Base: 1% Cashback per ₹100 spent Note: Categories or merchants not listed below will earn base rewards	1% Cashback Earn 1% Cashback per ₹100 spent	Low/Capped
Wallets Base: 1% Cashback per ₹100 spent Note: Categories or merchants not listed below will earn base rewards	1% Cashback Earn 1% Cashback per ₹100 spent	Low/Capped
Education Base: 1% Cashback per ₹100 spent Note: Categories or merchants not listed below will earn base rewards	-- Cashback earned last statement No rewards on this category	Zero
EMI Base: 1% Cashback per ₹100 spent Note: Categories or merchants not listed below will earn base rewards	-- Cashback earned last statement No rewards on this category	Zero
Fuel Base: 1% Cashback per ₹100 spent Note: Categories or merchants not listed below will earn base rewards	-- Cashback earned last statement No rewards on this category	Zero
International Base: 1% Cashback per ₹100 spent Note: Categories or merchants not listed below will earn base rewards	-- Cashback earned last statement No rewards on this category	Zero
Jewellery Base: 1% Cashback per ₹100 spent Note: Categories or merchants not listed below will earn base rewards	-- Cashback earned last statement No rewards on this category	Zero
Rent Base: 1% Cashback per ₹100 spent Note: Categories or merchants not listed below will earn base rewards	-- Cashback earned last statement No rewards on this category	Zero
UPI Base: 1% Cashback per ₹100 spent Note: Categories or merchants not listed below will earn base rewards	-- Cashback earned last statement No rewards on this category	Zero
Utilities Base: 1% Cashback per ₹100 spent Note: Categories or merchants not listed below will earn base rewards	-- Cashback earned last statement No rewards on this category	Zero

Benefits and recurring perks

Open this only if the non-reward perks are part of the value story for you.

Open

Benefits

Reusable perks and value-add benefits extracted from validated rows.

Fresh• 1h old

EazyDiner

EazyDiner Prime membership.

MEMBERSHIP

Complimentary Eazydiner Prime membership for 1 month.
Month

How to avail: 1. Download the EazyDiner Application. 2. Sign up for new customers or login for existing customer. 3. Select 12-Month EazyDiner Prime Membership plan and click on Pay Now. 4. Apply the unique coupon code received from ICICI Bank via SMS/E-mail. 5. Complete purchase and activate your Annual Prime membership.

Exclusions: 1. The membership is applicable for Primary Card Members only. 2. These vouchers are valid within the validity period mentioned in the voucher code sms/e-mail received from ICICI Bank.

EazyDiner

EazyDiner Prime membership.

Memberships

Complimentary Eazydiner Prime membership for 1 month.

Exclusions: 1. The membership is applicable for Primary Card Members only. 2. These vouchers are valid within the validity period mentioned in the voucher code sms/e-mail received from ICICI Bank.

Charges and cost detail

Open the cost layer when you want the exact forex, late fee, and other charge rows.

Open

Charges

Key fee and charge rows for transparent comparison.

Fresh• 1h old

Charge	Value
Joining Fee	₹0
Renewal Fee	₹0
Forex Fee	1.99%
Annual Percentage Rate	45%
Add-on Card Fee	₹0
DCC	1.99%

FAQ & Evidence

Keep proof and verification at the bottom.

This is the validation layer. Use it after the card already feels like a possible yes.

Truth Data Snapshot

Issuer-linked details for offers, redemption, lounges, and reliability status.

Open

Offer Truth

Joining fee₹0
Annual fee₹0
Waiver threshold₹0
Cap typenone
Cap resetnone
Last verified2026-02-13

Redemption Truth

Cash value/point₹1
Travel value/point₹1
Transfer partners0
Min redemption₹0
Expiry policyCashback is credited as Amazon Pay balance as per issuer/card terms.
Last verified2026-02-13

Lounge Truth

NetworkVisa
Domestic count0
International count0
Quarterly limit0
Airport-terminal rows0
Policy check2026-02-13

Reliability + Outcomes

Verification statusverified
Freshness days0
Source conflicts0
Applied reports21
Approval reports13

Frequently asked questions

Short answers for the usual apply, fee, reward, and lounge questions.

Open

Is Amazon Pay ICICI lifetime free?

Amazon Pay ICICI is lifetime free with no annual fee.

What rewards does Amazon Pay ICICI offer?

5% on Amazon for Prime members (3% non-Prime), 2% on Amazon Pay partner merchants, and 1% on other eligible spends.

Does Amazon Pay ICICI include lounge access?

No complimentary lounge access is currently listed for this card.

Who should consider Amazon Pay ICICI?

Amazon Loyalists

Sources and verification

Issuer link, last verification date, and how this page was assembled.

Open

Sources & Verification

Official Issuer Page:Direct Link
Last Verified: 13 Feb 2026
Data Method: Automated scraper + Manual audit

Amazon Pay ICICI

What matters before you apply.

Why you should get it

Why you may regret it

Quick notes

How to use it well

Watch before applying

What to do if this card is close, but not perfect.

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Check if the card clears its own fee.

Will this card earn its keep for you?

Fee waiver estimator

Fee waiver & value estimator

Reward rate breakdown

Reward Rate Breakdown

Open the live value layer only if the card still looks strong.

Live offer and point snapshot

Offer + Point Snapshot

Today action plan

CLEARTRIP

FASTRACK

ABHIBUS

BEYOUNG

FREECULTR

Top 5,000-point paths

Amazon Pay

Actionable offer shortlist

CLEARTRIP

BEYOUNG

FASTRACK

FREECULTR

ABHIBUS

Redemption tools

Redemption optimizer unavailable

Redemption Paths

Redemption Value Explorer

Amazon Pay

Live offers and milestones

Live Offers

MI.COM

MI.COM

MI.COM

AJIO.COM

AJIO.COM

AJIO.COM

ABHIBUS

ABHIBUS

AGODA

Milestones

Milestone ROI Calculator

Activate your card

Treat lounge as real value only after the rule check passes.

Full lounge eligibility checklist

Lounge eligibility checklist

Lounge Spend Tracker

Airport-wise lounge locations

Lounge locations

Open the dense rulebook only when you are close to applying.

Earn rules and exclusions

Earn Rule Matrix

Benefits and recurring perks

Benefits

EazyDiner

EazyDiner

Charges and cost detail

Charges

Keep proof and verification at the bottom.

Truth Data Snapshot

Offer Truth

Redemption Truth

Lounge Truth

Reliability + Outcomes

Frequently asked questions

Sources and verification

Sources & Verification