Amazon and ICICI Bank have come together to launch a co-branded card- The Amazon Pay ICICI Bank Credit Card. The card is free for lifetime and allows its users to earn up to 5% cashback on their Amazon spending along with several other privileges. Let us learn about the features and benefits of this card.
|Key Highlights of Amazon Pay ICICI Credit Card|
|Lifetime Free Credit Card5% cashback to the PRIME Customers when they shop at Amazon3% cashback for Non-PRIME Members for Amazon Spends2% cashback on 100+ partner merchants of Amazon1% cashback on all other transactions15% discount at partner restaurants of ICICI Bank1% fuel surcharge waiver across all petrol pumps.|
ICICI Bank Amazon Pay Credit Card – Features and Benefits
Key features of Amazon Pay ICICI Credit Card are as follows:
Shopping Benefits at Amazon
- For customers of Amazon PRIME 5% cash back is allowed on purchase at Amazon.in
- For Non-PRIME customers of Amazon, 3% cashback is offered on purchase at Amazon.in
Shopping Benefits outside of Amazon
- Earn 2% cash back on 100+ Amazon Pay partner merchants when payment is done using this card
- Earn 1% cash back on all other payments
- The card entitles you to a minimum of 15% discount on selected restaurants across India
Fuel Surcharge Waiver
- You are also entitled to 1% waiver on fuel surcharge across all petrol pumps in India
PIN and Chip Security
- The embedded microchip is provided in the credit card to provide security against duplication and counterfeiting of card
- The card supports ICICI Bank 3D security feature securing it for online usage
ICICI Bank Amazon Pay Credit Card – Fees and Charges
The fees and charges applicable on this credit card are:
|Add-on Credit Card||Nil|
|Finance Charges||3.5% to 3.8% p.m./42% – 45.6% p.a.|
|Interest on Cash Advances||42% to 45.6%|
|Cash Advance Transaction Fee||2.50% of amount/Rs. 300|
|Over Limit Charges||2.50% on the amount/Min. Rs. 500|
|Cheque/ Auto Debit Return Fee||2% of amount/Min. Rs. 450*|
|Card Replacement Fee||Rs. 100|
|Foreign Currency Mark-up Fee||3.50% of the amount|
|Late payment charges||Amount Less than Rs. 100 – Nil|
Between Rs. 100 to Rs. 500 – Rs. 100
Between Rs. 501 to Rs. 10,000 – Rs. 500
Amount over Rs. 10,000 – Rs 750
* Additional Rs. 50 + GST will be debited from customer’s saving bank
ICICI Bank Amazon Pay Credit Card – Eligibility Criteria
ICICI Bank has set certain eligibility parameters for the Amazon Pay Credit Card with respect to age, city of residence, income, credit score, etc. The age bracket for this card is 18 to 60 years. You will get to know the detailed eligibility requirements upon sending an application request.
If you meet the initial eligibility requirements, you will also have to submit some documents that prove your identity, address and income. Given below is a list of acceptable documents.
|Identity Proof||Passport, PAN Card, Aadhaar Card, Voter’s ID Card, Driving Licence, Photo Credit Card, Central and State Govt. issued Photo ID Proof, Defence ID Card, etc. (any 1)|
|Residence Proof||Aadhaar Card, Ration Card, Passport, Bank Account Statement, Voter’s ID Card, Letter from any recognized public authority, Telephone Bill, Electricity Bill, Water Bill (not more than 3 months old), etc. (any 1)|
|Income Proof||Salary Slips (not more than 3 months old), Bank Statements (not more than 3 months old), ITR, Form-16, etc. (any 1)|
ICICI Bank Amazon Pay Credit Card – How to Apply
This card is available only by request. Click the “Apply now” button from your Amazon account. The button can only be seen by invited members, who have not applied for this credit card.
If you are still confused about whether ICICI Amazon Pay Credit Card is good for you or not, given below are a few similar credit cards to compare.
|Credit Card||Annual Fee||Comparative Feature|
|Flipkart Axis Bank Credit Card||Rs. 500||Up to 5% cashback on your spends|
|American Express SmartEarn Credit Card||Rs. 495||10X Membership Reward Points on Flipkart and Uber|
|HSBC Cashback Credit Card||Rs. 750||1.5% cashback on all online spends* and 1% on all other spends|
|Standard Chartered Super Value Titanium Credit Card||Rs. 750||5% cashback on fuel, phone and utility bills|
|Citi Cashback Credit Card||Rs. 500||Up to 5% cashback on utility bill payment and movie tickets|
ICICI Bank Amazon Pay Credit Card – FAQs
Where can we use Amazon Pay Credit Card?
Amazon Pay ICICI Credit Card is powered by VISA and is globally accepted at all POS Terminals and ATMs. This card is no different than any other credit card.
How to get Amazon Pay ICICI Credit Card?
You can apply for this credit card only through your Amazon Account. Login to Amazon.in and provide a few basic details to get a call back from ICICI Bank regarding your application.
Will applying for this credit card lead to a hard enquiry on my credit profile?
Yes. After you apply for the credit card and submit your documents, a hard enquiry will be initiated on your profile.
How will I get the promised cashback on my Amazon Pay ICICI Credit Card?
All earnings are automatically credited in the form of Amazon Pay Balance to the Amazon account within 2 working days after completion of every billing cycle of the card. The Amazon Pay Balance can be used to make partial or complete payment on eligible products.
What to do if the card is lost or stolen?
If you lose your credit card, you must report it immediately to ICICI Bank by sending SMS CCBLK <last four digits of the card> to 5676766 from your registered mobile number. Then the card will be suspended by the ICICI Bank.