Amazon Pay ICICI
EntryLifetime freeICICI Bank
Where it ranks · across all 71 cards
Reward rules
Base rate - everything not covered below
cashback
1.00%
effective
International spends earn NOTHING (w.e.f. 11 Oct 2025)
cashback
0.00%
effective
The 1.99% forex headline is paired with zero rewards abroad since Oct 2025.
Source: Amazon Pay ICICI T&C (bank PDF) · 2026-08-22
5% on Amazon (Prime)
cashback
5.00%
effective
Uncapped. 3% for non-Prime members. Non-Prime members earn 3% on amazon.in (2% on digital/gift cards). Both tiers EXCLUDE gold coins and flight/hotel bookings via Amazon Pay.
Source: Amazon Pay ICICI T&C · 2026-08-20
2% Amazon Pay partners
cashback
2.00%
effective
Source: Amazon Pay ICICI T&C · 2026-08-20
Earns nothing on
- ⊘ No rewards on fuel purchases (bank FAQ - prose only, no MCC list published for cashback).
- ⊘ Rent earns nothing on all ICICI cards (program MITC, MCC 6513; 1% fee applies).6513bank MCC list→ use Axis Burgundy Private here (4.5%)
- ⊘ No rewards on gold, silver or any precious metal (bank FAQ).
- ⊘ Tax-related payments earn nothing (bank wording is "any Tax-related payments"; broader government MCCs are only on the indicative restricted list).
- ⊘ EMI purchases on Amazon earn no rewards (bank FAQ).
- ⊘ Utility transactions OUTSIDE the Amazon platform earn nothing (w.e.f. 11 Oct 2025); via Amazon Pay they earn the partner rate.
- ⊘ Education transactions earn nothing (w.e.f. 11 Oct 2025).
Plays with this card
- 👛 Amazon Pay balance load on Amazon Pay ICICI - the 2% wallet that survived
Every bank kills wallet loads - except this card loading its own wallet. Amazon Pay balance load earns 2% (any Prime status), and the balance then pays bills, recharges, and small merchants.
₹10,000/month loaded → ₹200/month → ₹2,400/year on spends that earn 0% on nearly every other card.
- 🪔 Sale-season stacking - the Great Indian Festival sequence
Amazon GIF 2026 opens ~22 Sep. The community stack order: sale price → bank instant discount → exchange bonus → coupon → no-cost EMI that retains the discount - and pre-loading Amazon Pay balance with a 5% card before the sale double-dips.
A ₹30,000 phone: 10% instant discount (₹3,000) + 5% on pre-loaded balance (₹1,350) + exchange/coupon - stacking beats any single card by 2-4x.
- 🎫 Jeweller gift vouchers on Amazon - 5% off board-rate gold
Amazon still processes under ASSPL (shopping, not jewellery). Buying Kalyan/Tanishq gold-coin gift vouchers there with SBI Cashback earns 5%; redeem in-store at board rate. Beats buying coins on Amazon directly, whose 10-15% premiums eat any reward.
₹40,000 of vouchers/month → ₹2,000 back → ~2-3% below parity net after typical jeweller coin premiums.