M16S / ICICI Bank / Amazon Pay ICICI Bank Credit Card
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Amazon Pay ICICI Bank Credit Card
The Amazon Pay ICICI Bank Credit Card charges no annual fee and no joining fee. Its base return is 1% (1% on all other spends). The forex markup is 1.99%. It lists no airport lounge access. Read from the issuer's documents and an aggregator on 11 Oct 2026.
- Annual fee
- Free
- Fee waived at
- —
- Base return
- 1%
- Forex markup
- 1.99%
- Interest
- 3.75%a month
What changed on this card
- ICICI Bank adds fees on wallet loads, gaming and transport, Jan 2026
From 15 Jan 2026 ICICI Bank charges 1% on wallet loads of Rs 5,000 or more, 2% on skill-based gaming and 1% on transportation transactions above Rs 50,000. Source: ICICI Bank, icici.bank.in, read 28 Oct 2026
- ICICI Bank raises Dynamic Currency Conversion fee, Jan 2026
From 15 Jan 2026 statements the DCC fee on rupee transactions abroad is 3.50% on most cards, up from 1%. It is 2.00% on Emeralde Private Metal and Emeralde, 1.99% on Amazon Pay and 1.49% on Times Black. Source: ICICI Bank, icici.bank.in, read 28 Oct 2026
- ICICI Bank adds 1% fee on fuel, utility and education payments, Nov 2024
From 15 Nov 2024 ICICI Bank charges 1% on fuel transactions above Rs 10,000, 1% on utility payments above Rs 50,000 and 1% on education payments made through third-party apps. Source: ICICI Bank, icici.bank.in, read 28 Oct 2026
Each change is read from the bank's own notice or terms document, linked above. Every card's changes are on the change log.
Fees
| Joining fee | Free |
|---|---|
| Annual fee | Free |
| Fee notes | Lifetime free; add-on cards free. |
Rewards
| Welcome benefitunverified | Rotating Amazon offers worth up to Rs 2,000 (non-Prime) or Rs 2,500 (Prime) per Card Insider; none stated on issuer page |
|---|---|
| Reward currency | Amazon Pay balance (1 point = Rs 1) |
| Base earn | 1% on all other spends |
| Base return | 1% |
| Point value | Rs 1 per point, credited as Amazon Pay balance |
| Accelerated earnunverified | 5% on Amazon.in for Prime members; 3% for non-Prime; 2% at Amazon Pay partner merchants (paying with Amazon Pay); Card Insider adds 5% on Amazon flights/hotels (Prime) and 2% on Amazon bill payments, recharges, gift cards |
| Caps | Uncapped |
| Spends that earn nothingunverified | Fuel, EMI purchases, gold/precious metals, tax, education and international spends earn nothing (aggregator). Rent and wallet loads: ICICI's MITC and its changes page conflict, so not confirmed. |
| Points expiry | No expiry per issuer page |
| Reward notes | base_return_pct = 1% on non-Amazon spends. Credited within 2 working days after each billing cycle. Usable only on Amazon and Amazon Pay merchants. |
Travel and perks
| Domestic lounge | None |
|---|---|
| International lounge | None |
| Forex markup | 1.99% |
| Fuel surcharge waiver | 1% on fuel purchases (txns up to Rs 4,000 per Card Insider) |
| Other freebies | 3-month no-cost EMI on eligible Amazon.in purchases; Culinary Treats dining discounts |
Charges and eligibility
| Interest per month | 3.75% |
|---|---|
| Late payment fee | Nil <Rs 100; Rs 100 (Rs 100-500); Rs 500 (Rs 501-1,000); Rs 600 (Rs 1,001-5,000); Rs 750 (Rs 5,001-10,000); Rs 900 (Rs 10,001-25,000); Rs 1,100 (Rs 25,001-50,000); Rs 1,300 (>Rs 50,000) |
| Cash advance fee | 2.5% min Rs 500 |
| Eligibility | Age 21+; income Rs 30,000 a month; issuer page calls it an invite-only programme, applications run through the Amazon app |
| Fine-print notes | Issuer page conflicts on partner-merchant rate (2% in table, 1% in one FAQ). Card T&C PDF blocked to automated readers, so exclusions come from Card Insider. Forex 1.99% with no cashback on international spends. Bank-wide transaction fees (MITC): 1% on rent; 1% on fuel txns above Rs 10,000; 1% on utility txns above Rs 50,000; 1% on transportation above Rs 50,000; 1% on education paid via third-party apps; 1% on wallet loads of Rs 5,000+; 2% on skill-based gaming. DCC fee on INR transactions abroad equals the card's forex markup from 15 Jan 2026. Fee-waiver spend excludes rent, government and education payments; a fee reversal forfeits annual gifts. |
Questions
- What is the annual fee of the Amazon Pay ICICI Bank Credit Card?
- No annual fee.
- Does the Amazon Pay ICICI Bank Credit Card give airport lounge access?
- No lounge access is listed for this card.
- What is the forex markup on the Amazon Pay ICICI Bank Credit Card?
- 1.99% of each foreign-currency transaction, before GST.
- Which spends earn no rewards on the Amazon Pay ICICI Bank Credit Card?
- Fuel, EMI purchases, gold/precious metals, tax, education and international spends earn nothing (aggregator). Rent and wallet loads: ICICI's MITC and its changes page conflict, so not confirmed.