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.
Opens the issuer's site. MoneyRadar has no paid placement here.
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.
Income and score are screening estimates, not an approval promise. The issuer makes the final call.
Check the issuer's terms
Card rules change without much warning. We checked this snapshot on 26 July 2026. Open the issuer's current terms ↗
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.