The Amazon Pay ICICI Credit Card is a co-branded credit card offered by ICICI Bank in partnership with Amazon Pay. It’s designed to provide benefits and rewards specifically tailored to customers who frequently shop on Amazon.in and other online platforms.
| Features | Details |
|---|---|
| Welcome Benefit | Amazon Pay Gift Card offered upon card approval. |
| Cashback on Amazon.in | Earn cashback on purchases made on Amazon.in. |
| Cashback on Other Purchases | Cashback available on transactions like bill payments, mobile recharges, etc. |
| Joining Fee | Nil |
| Annual Fee | Nil |
| EMI Option | Convert large purchases into EMIs for easy payment. |
| Contactless Payments | Tap and pay feature for quick and secure transactions. |
| Online Account Management | Manage the credit card account conveniently through ICICI Bank’s platforms. |
| Insurance Coverage | Some variants offer travel insurance or purchase protection. |
| Exclusive Offers | Access to exclusive discounts and offers on Amazon.in and partner merchants. |
Amazon Pay ICICI Credit Card Benefits and Features
The Amazon Pay ICICI Credit Card offers a range of benefits and features tailored to cater to the needs and preferences of frequent online shoppers, particularly those who shop on Amazon.in.
Here’s a detailed overview of its benefits and features:
- Cashback on Amazon.in Purchases: Cardholders earn cashback on their purchases made on Amazon.in. This cashback is typically credited as Amazon Pay balance, which can be used for future purchases on Amazon.in. The cashback percentage may vary based on the type of transaction and promotional offers.
- Cashback on Other Transactions: In addition to purchases made on Amazon.in, users can also earn cashback on other transactions such as bill payments, mobile recharges, utility payments, and more.
- Welcome Benefits: New cardholders often receive welcome benefits in the form of Amazon Pay Gift Cards or other promotional offers upon approval of the card. These welcome benefits add value to the card and provide an incentive for customers to apply.
- No Joining or Annual Fee: Many variants of the Amazon Pay ICICI Credit Card come with no joining fee or annual fee, making it a cost-effective option for customers who want to enjoy the benefits of a credit card without incurring additional charges.
- EMI Options: The card offers the flexibility to convert large purchases into easy EMIs (Equated Monthly Installments), allowing cardholders to spread their payments over time and manage their finances more effectively.
- Contactless Payments: The Amazon Pay ICICI Credit Card comes with contactless payment technology, enabling users to make quick and secure transactions by simply tapping the card at NFC-enabled terminals.
- Online Account Management: Cardholders can easily manage their credit card account online through the ICICI Bank website or mobile app. They can track their spending, view statements, make payments, set up alerts, and more, all from the convenience of their device.
- Exclusive Offers: Cardholders may have access to exclusive offers, discounts, and promotions on various products and services, including those offered by Amazon.in and its partner merchants.
Insurance Coverage: Depending on the variant of the card, cardholders may also receive insurance coverage benefits such as travel insurance, purchase protection, and more, providing added peace of mind and security.
Amazon Pay ICICI Credit Card Charges and Other Fees
Here’s a table detailing the charges and other fees associated with the Amazon Pay ICICI Credit Card:
| Fee Types | Details |
|---|---|
| Joining Fee | No joining fee |
| Annual Fee | No annual fee |
| Finance Charges | 3.5% – 3.8% per month |
| Cash Advance Fee | 3.5% – 3.8% per month |
| Late Payment Charges | Range from Rs. 100 to Rs. 750, depending on the outstanding amount. |
| Overlimit Charges | Typically around 2.5% to 3% of the over-limit amount, subject to a minimum charge. |
| Card Replacement Fee | Usually Rs. 100 to Rs. 200 for issuing a replacement card. |
| Foreign Currency Transaction Fee | Approximately 3.5% of the transaction amount when made in a currency other than INR. |
| Statement Retrieval Fee | Around Rs. 100 to Rs. 200 per statement copy requested beyond the allowable limit (first one or two statements are usually free). |
| Cheque Return Charges | Typically Rs. 250 to Rs. 500 per instance for a bounced payment. |
| Payment Return Charges | Usually Rs. 250 to Rs. 500 per instance for returned payments due to insufficient funds or other reasons. |
| Cash Payment Processing Fee | Nominal fee may apply for cash payments made toward the credit card bill at bank branches or cash deposit machines. |
| Goods and Services Tax (GST) | Applicable on various fees and charges as per prevailing government regulations. |
Note: The charges and fees mentioned above are approximate and may vary based on the specific variant of the Amazon Pay ICICI Credit Card and the policies of ICICI Bank. It’s advisable to refer to the latest fee schedule provided by the bank for precise information.
Amazon Pay ICICI Credit Card Eligibility
| Criteria | Description |
|---|---|
| Minimum Age | 18 years |
| Employment | Salaried or Self-employed |
| Minimum Income | * Rs. 25,000 per month for existing ICICI Bank customers * Rs. 35,000 per month for non-ICICI Bank customers |
| Credit Score | Not officially mentioned, but generally above 750 is considered good |
| City of Residence | Must be in a city serviced by ICICI Bank |
Documents Required to Apply for the ICICI Amazon Credit Card
To apply for the ICICI Amazon Pay Credit Card, applicants typically need to provide certain documents to complete the application process. While specific requirements may vary based on individual circumstances and the bank’s policies, here’s a general list of documents commonly required:
- Identity Proof: Any one of the following documents can be submitted as proof of identity:
- Aadhaar Card
- Passport
- Voter ID
- PAN Card
- Driving License
- Address Proof: Documents verifying the applicant’s residential address are required. Accepted documents may include:
- Aadhaar Card
- Passport
- Voter ID
- Utility bills (electricity, water, gas bills, etc.) issued within the last 3 months
- Bank account statements
- Rent agreement
- Income Proof: To assess the applicant’s financial eligibility, proof of income is necessary. The following documents can serve as income proof:
- Salary slips (for salaried individuals)
- Income tax returns (ITR)
- Form 16 (for salaried individuals)
- Bank statements showing regular income credits
- Business ownership documents (for self-employed individuals)
- Photographs: Recent passport-size photographs are typically required for identity verification purposes. The number of photographs may vary depending on the bank’s policy.
- Duly Filled Application Form: Applicants need to complete the credit card application form with accurate and up-to-date information. The application form can usually be obtained online or from ICICI Bank branches.
- Additional Documents (if applicable): Depending on specific requirements or the applicant’s profile, additional documents may be requested. These could include:
- Proof of ownership of assets (property documents, etc.)
- Proof of business ownership or partnership (for self-employed individuals)
- Any other documents requested by ICICI Bank for verification purposes
How Can I Apply for the Amazon ICICI Credit Card?
You can apply for the Amazon Pay ICICI Credit Card through two main channels:
- ICICI Bank Website:
- Visit the ICICI Bank Amazon Pay Credit Card page
- Click on “Apply Now” button.
- Fill out the online application form with your details like name, contact information, employment details, etc.
- Upload the required documents (refer to previous conversation for details).
- Review your application and submit it.
- Amazon Mobile App:
- Open the Amazon app and sign in to your account.
- Navigate to the Amazon Pay section (might be different based on app version).
- Look for the Amazon Pay ICICI Credit Card section or credit card offers.
- There should be an “Apply Now” option within the credit card section.
- You’ll likely be redirected to a page within the app to complete the application. This might involve providing some details and then continuing to the ICICI Bank website to complete the application process.
After Applying:
- ICICI Bank will review your application and perform a credit check.
- They may contact you for further information or verification.
- You’ll be notified of the application status via email or SMS.
- If approved, you’ll receive your credit card in the mail within 7-10 business days.
- You might need to complete an additional KYC (Know Your Customer) verification process for activation. This can sometimes be done virtually.
Additional Tips:
- Ensure you have a good credit score (generally above 750) before applying.
- Have the required documents scanned or ready to upload electronically.
- Review the terms and conditions of the credit card before applying.
- Be aware of any processing fees or annual charges associated with the card.
FAQs on Amazon Pay ICICI Credit Card
- Who is eligible for the Amazon Pay ICICI Credit Card?
To be eligible, you must be at least 18 years old, with a minimum monthly income of Rs. 25,000 (existing ICICI Bank customers) or Rs. 35,000 (others). You should be salaried or self-employed and reside in a city serviced by ICICI Bank. There’s no official credit score requirement, but generally a score above 750 is considered good. - Do I need to be an existing ICICI Bank customer to apply?
No, even non-ICICI Bank customers can apply for the Amazon Pay ICICI Credit Card. - What are the cashback rewards offered by the card?
* Prime Members: Earn 5% cashback on Amazon.in purchases (excluding specific categories). * Non-Prime Members: Earn 3% cashback on Amazon.in purchases (excluding specific categories). * Amazon Pay Partners: Earn 2% cashback on purchases at over 100 partner merchants through Amazon Pay. * Other Purchases: Earn 1% cashback on all other transactions. - Is there a limit on how much cashback I can earn?
No, there’s no cap on the amount of cashback you can earn with the Amazon Pay ICICI Credit Card. - How are rewards redeemed?
All cashback is automatically credited as Amazon Pay balance to your linked Amazon account. You can then use this balance for future purchases on Amazon or through partner merchants. - Does the card have any annual or joining fees?
No, the Amazon Pay ICICI Credit Card offers a lifetime free benefit, with no joining fees or annual charges. - Q: Does the card offer any benefits for fuel purchases?
Yes, you get a 1% waiver on fuel surcharge for all petrol and diesel transactions.
