Amazon Pay ICICI
Visa
Amazon Pay ICICI
ICICI Bank · Visa
Quick answer
Amazon Pay ICICI by ICICI Bank has an annual fee of zero (lifetime free) and APR of 45%. Best for shopping and first-card. Pay the full bill every month — carried balances cost far more than any reward.
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Joining fee
Free
Annual fee
Free
Forex markup
4%
APR
45%/yr
Fee waiver: Lifetime free — no annual fee ever
What you earn
- 5%5% back on Amazon for Prime members
- 2%2% on Amazon Pay partner merchants
- 1%1% on all other spends
Welcome: ₹500 Amazon Pay balance on first spend (varies)
Lounge access
No domestic lounge access
Who it's for
Minimum income ₹20,000/month · credit score 700+. For salaried, self-employed.
What's great
- Genuinely lifetime free
- Best-in-class for Amazon regulars
- Easy approval for first-timers
Watch out for
- Rewards locked to Amazon Pay balance
- No lounge access
- High forex markup
Compare head-to-head
One honest reminder: a card is only worth it if you clear the full bill every month. At 45% a year, carried balances cost far more than any reward here is worth.