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ICICI Bank · Visa

Amazon Pay ICICI

Best lifetime-free card — 5% cashback on Amazon Prime

Annual fee
FREE
Reward rate
1% cashback
Expert rating
4.6/5
ICICI Bank
Amazon Pay ICICI
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Amazon Pay ICICI is the most popular credit card in India for a reason: it's completely free (lifetime), offers 5% cashback on Amazon for Prime members, and has no annual fee. If you're an Amazon Prime subscriber, this card is essentially a 5% discount on everything you buy on Amazon.

Pros

  • Zero fees — absolutely no cost ever
  • 5% on Amazon is best-in-class for Amazon shopping
  • Cashback directly credited to Amazon Pay — instant and useful
  • Low income requirement — accessible for most salaried individuals
  • No minimum spend required for cashback

Cons

  • Only 3% for non-Prime members (Prime membership costs ₹1,499/year)
  • Ordinary 1% on non-Amazon, non-partner spends
  • No UPI rewards
  • No lounge access
  • Limited to Amazon ecosystem for best rewards

What Reddit says

Universal recommendation on every Indian personal finance forum. "If you don't have this card, get it today" is a common refrain. Zero-fee + Amazon cashback combo is unbeatable. The only debate is whether to add Axis ACE alongside it for UPI.