Credit Card Compare

Amazon Pay ICICI Bank Credit Card

Data last updated 7 October 2026
45.00%
Purchase rate
₹0
Annual fee
48 days
Interest-free
Application

CardIQ

60Good

Good

Overall score, out of 100 · How this works

  • Lifetime free68
  • Rewards52

Customer reviews

No reviews yet. Be the first to review the Amazon Pay ICICI Bank Credit Card.

Pros & cons

What's good

  • No annual fee.
  • 1.99% foreign transaction fee, below the 3.5% most cards charge.
  • Earns 5 reward points per ₹100 on bonus categories.
  • No fee to add an additional cardholder.

Worth noting

  • Earns 1 reward point per ₹100 on everyday spend, below the dataset average.
  • Requires a minimum income of ₹3,60,000 a year.
  • No balance transfer or introductory purchase offer.
  • Up to 48 interest-free days on purchases (below the 50-day median).

Card details

The basics

Additional cardholder fee
₹0 p.a.
Card tier
Not published
Card type
Not published
Card use
Personal
Credit limit
Not published
Credit rating
Not published
Rewards program
Amazon Pay ICICI Bank rewards (credited as Amazon Pay balance)

Eligibility

Instant approval
Not published
Joint application
Not published
Minimum age
21 years old
Minimum income
₹3,60,000 p.a.
Residency
Indian citizen aged 21 or over; salaried or self-employed with a monthly income of at least ₹30,000; invite-only programme
Temporary residents
Not published

Rates & fees

Ongoing interest rates

Cash advances
45.00% p.a.
Purchases
45.00% p.a.

Fees

Additional cardholder fee
₹0
Annual fee
No annual fee
Cash advance fee
2.5% of the amount
Foreign transaction fee
1.99%
Late payment fee
₹1,300
Over limit fee
₹550

Repayments

Interest-free period
Up to 48 days on purchases
Minimum repayment
5% of (retail spends + cash advance + finance charge) plus GST, EMI principal and interest, fees and charges, any over-limit amount and any unpaid minimum due from the previous statement; where 5% of those amounts is less than the finance charge, 100% of the finance charge plus 5% of retail spends and cash advance (ICICI Bank MITC, from 1 March 2026)

Balance transfers

This card has no promotional balance transfer offer. To move existing debt to a lower rate, compare balance transfer cards.

Introductory purchase offer

This card has no introductory purchase rate offer. If you're carrying a balance or planning a big spend, compare 0% purchase cards.

Rewards

Earn rate

Everyday spend
1 reward point per ₹100
Bonus categories
5 reward points per ₹100 in bonus categories
Other purchases
None
Overseas spend
None
Reduced rate above monthly cap
None
Points cap
Uncapped
Points expiry
Do not expire (page: 'unlimited, never-expiring rewards')

Sign-up bonus

Bonus spend required
—
Sign-up bonus
—

Where this card sits vs similar cards

Compared with every other personal credit card we list that has the feature. The further right the dot, the better this card does.

Annual fee₹0Tied for best (1st of 11 cards)
Purchase rate45.00%Tied for best (1st of 11 cards)
Overseas fee1.99%Top 10% (2nd of 11 cards)
Rewards value₹9,000 a yearMiddle of the market (4th of 7 cards)
Interest-free days48 daysNot as good as most cards (8th of 11 cards)

Data as at October 2026. Rates change often, so check the issuer's terms. Factual information, not a recommendation.

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Sources

Credit Card Compare
How CardIQ scores cards
Issuer
ICICI Bank