The Amazon Pay ICICI Credit Card is widely considered one of the best entry-level lifetime free credit cards in 2024. In this article, we will explore its eligibility, application process, features, benefits, and some lesser-known tips. By the end, you’ll have a clear verdict on whether this card is right for you.
- Eligibility and Documentation
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- Age Requirement: 18 to 60 years.
- Employment Type: Available for both salaried and self-employed individuals.
- Income Criteria:
- Non-ICICI customers: Minimum monthly salary of ₹35,000.
- ICICI customers: Can apply with ₹25,000 monthly income.
- Required Documents:
- Identity Proof: Aadhaar, PAN Card, Voter ID, or Passport.
- Address Proof: Utility bill (water, electricity) or property registration document.
- Income Proof: Salary slips or IT returns for self-employed individuals.
- Last 3 months’ bank statements.
- How to Apply for the Amazon Pay ICICI Credit Card
You can apply for this card in two ways:
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- Through ICICI Bank’s Official Website
- Via the Amazon Mobile App
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Application Process:
- Apply online and submit required documents.
- Undergo document verification.
- Complete KYC verification using your phone or laptop.
- Receive an email/SMS about the application status.
- If approved, the card will be delivered within 5-7 business days (or even faster, in some cases, within 3 days).
- Joining and Annual Fees
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- No joining fee
- No annual fee
- Lifetime free credit card
If you meet the eligibility criteria, this is an excellent option for a no-cost credit card with plenty of rewards.
- Features and Benefits
- Amazon Cashback Rewards:
- 5% cashback on Amazon purchases for Prime members.
- 3% cashback for non-Prime members.
- 5% cashback on Amazon Fresh for Prime members.
- Cashback credited as Amazon Pay Balance (usable for UPI payments, bill payments, etc.).
- Additional Cashback:
- 2% cashback on recharges, utility bills, and Amazon merchants.
- 1% cashback on all other online and offline transactions.
- 1% cashback on international transactions.
- No Upper Limit on Cashback Earnings
- No Expiry on Reward Points
- 1% Fuel Surcharge Waiver
- Contactless Payments
- No Travel Benefits (e.g., lounge access is not included.)
⚠ Important Note: If you miss paying your credit card bill on time, interest charges range from 3.5% to 3.8% per month, which translates to an annual interest of up to 45%. Always pay your bills on time to avoid heavy charges.
- Bonus Info and Tips
- Get 5% Cashback on Flights & Hotels
- Amazon Pay ICICI card provides 5% cashback on flights/hotels for Prime members.
- Tip for cheapest flights:
- Open an incognito browser and check flights on Skyscanner.
- Compare the rates on Ixigo, MakeMyTrip, and Amazon Flights.
- If Amazon Flights is the cheapest, book using this card to get additional 5% cashback.
- Free 3-Month Amazon Prime Membership
- Some users receive a complimentary 3-month Amazon Prime membership upon approval.
- This is not guaranteed for all applicants but is a potential bonus.
- ICICI Customer Service is Better Compared to Other Banks
- You can call customer care for any issues.
- ICICI provides relatively good support compared to other banks.
- Use the iMobile App for Card Management
- Check transactions and control card settings
- Pay your credit card bill directly
- 15% Discount at 200+ Partner Restaurants
- ICICI has partnered with several restaurants across India.
- Check the full restaurant list in the description.
- Why Should You Get the Amazon Pay ICICI Credit Card?
Final Verdict
✅ Get this card if:
- You or your family frequently shop on Amazon.
- You are an Amazon Prime member (to enjoy unlimited 5% cashback).
- You are new to credit cards and want an entry-level lifetime free card.
- You want no joining or annual fees.
If you’re starting with credit cards, this is a great choice.