Amazon Pay ICICI Bank Credit Card Review

ICICI Amazon Pay Credit Card offers cashback on all transactions. The cashback can be earned in the following manner:

• Amazon Prime members will earn 5% cashback on all purchases made on Amazon
• Regular shoppers (non-prime members) will earn 3% cashback on all purchases made on Amazon
• 2% cashback on transactions made for flight bookings, recharges, bill payments and other spends on Amazon Pay partner merchants
• All other spends (both online and offline) will earn 1% cashback

The cashback is given in the form of Amazon Pay balance which can be redeemed against future Amazon purchases or at merchants that accept Amazon Pay.

This card is a decent option if you’re looking for a card that you’ll mainly use for online shopping on Amazon. What makes Amazon Pay ICICI Bank Credit Card stand out is the 5% cashback offer for Prime members as they will definitely benefit from this credit card.

So, you should get this credit card if:

• You prefer Amazon over other online shopping platforms
• You are an Amazon Prime member
• You are looking for a lifetime-free credit card
• You are not looking for major benefits on any other category

Drawbacks of Amazon Pay ICICI Bank Credit Card

The credit card was designed to be a shopping card which makes it very narrow in the benefits it offers. Besides the cashback and dining discount, there are no additional benefits. Some of its drawbacks are:

• Zero benefits on travel, entertainment or any other category apart from shopping
• No rewards, air miles or lounge access benefits
• Non-Amazon users can get better benefits on other cashback credit cards

Also Read: Flipkart Axis Bank Credit Card Vs. Amazon Pay ICICI Bank Credit Card

This credit card offers cashback on all transactions and can be used to make everyday purchases, making it a great choice for frequent shoppers. However, you must note that though the card is a good choice for online shopping, the benefits are inclined only towards Amazon. Additionally, the card does not offer any other benefits like lounge access or additional rewards towards bill payments, food delivery, all-online spends, etc, thus the card is a poor choice for customers who want additional privileges.

Amazon Pay ICICI Credit Card, can be thus labelled more as a co-branded credit card, than a cashback or an online shopping credit card. However, you should get this card, if you primarily shop on Amazon and don’t want to pay annual or joining fees.