Lifetime Free Flagship Cashback Card with Unlimited 5% Amazon Savings
Amazon Prime subscribers, everyday online shoppers, and utility bill payers seeking unconditional zero-annual-fee rewards without minimum redemption hurdles.
Free
One-time upfrontFree
Lifetime Free — no renewal fee5% for Prime on Amazon, 3% for non-Prime, 2% on bills, 1% elsewhere
On eligible spends3.50% + GST
Cross-currency spendsLast verified 3 Oct 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The Amazon Pay ICICI Bank Credit Card is widely recognized as the benchmark for entry-level, lifetime-free cashback cards in the Indian retail banking landscape. Issued with zero joining fees and zero annual maintenance charges, it provides immediate, friction-free value without any annual spending thresholds or redemption fees. The reward engine delivers unlimited 5% cashback for Amazon Prime members on all physical product purchases on Amazon India, and 3% cashback for non-Prime members. Cardholders also enjoy 2% cashback across more than 100 digital partner merchants (including Swiggy, Uber, BookMyShow, and Urban Company) and on recurring utility bills, recharges, and travel bookings processed via Amazon Pay. All other retail and offline merchant transactions earn a flat 1% unlimited cashback. Crucially, earnings are automatically converted 1:1 into Amazon Pay balance at the end of each billing cycle without redemption caps or expiry dates. A standard 1% fuel surcharge waiver applies to transactions between ₹400 and ₹4,000 across petrol pumps nationwide. Standard exclusions apply to gold/jewelry, EMI conversions, and wallet reload transactions. For nearly every Indian consumer with an active Amazon account, this card is an indispensable daily financial tool.
5% cashback on Amazon purchases for Prime members and 3% cashback for Non-Prime members, 2% cashback on partner brands & 1% cashback on all other payments except fuel purchases
Cashback and Discounts Up to ₹2,500 and One Month EazyDiner Membership
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| Amazon Shopping (Prime Members) | 5% unlimited cashback on Amazon.in for Prime members | No Cap | Standard terms apply |
| Amazon Shopping (Non-Prime) | 3% unlimited cashback on Amazon.in for non-Prime members | No Cap | Standard terms apply |
| Amazon Pay Partner Merchants | 2% unlimited cashback on 100+ partner merchants paid via Amazon Pay | No Cap | Standard terms apply |
| All Other Retail Spends | 1% unlimited cashback on all other transactions (excludes fuel, wallet load, rent) | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| Amazon Shopping (Prime Members) | ₹4,000 | 5% unlimited cashback on Amazon.in for Prime members | — | None | Calculating... | Under cap |
| Amazon Shopping (Non-Prime) | ₹4,000 | 3% unlimited cashback on Amazon.in for non-Prime members | — | None | Calculating... | Under cap |
| Amazon Pay Partner Merchants | ₹4,000 | 2% unlimited cashback on 100+ partner merchants paid via Amazon Pay | — | None | Calculating... | Under cap |
| All Other Retail Spends | ₹18,000 | 1% unlimited cashback on all other transactions (excludes fuel, wallet load, rent) | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return₹0
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
This card is tailored primarily for shopping rewards, cashback, or specific co-branded spend and does not include complimentary airport lounge visits.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Joining Fee: ₹0 (Lifetime Free); Annual Renewal Fee: ₹0 (Lifetime Free unconditionally). • Rewards Structure: 5% unlimited cashback for Prime members on Amazon India; 3% for non-Prime members. • Partner Merchants & Bills: 2% cashback on recharges, utility bills, and 100+ partner apps using Amazon Pay. • General Spends: Flat 1% unlimited cashback on all other eligible retail and merchant transactions. • Automatic Settlement: Cashback is directly credited to your Amazon Pay balance within 2 working days after billing statement generation. • Fuel Surcharge: 1% fuel surcharge waiver on transactions between ₹400 and ₹4,000 at all fuel pumps across India (max ₹100/statement cycle). • Exclusions: Fuel purchases, cash withdrawals, wallet top-ups, rent payments, and EMI transactions do not accrue cashback.
Evaluate whether this card's perks and waiver threshold justify its Free renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Common questions regarding Amazon Pay ICICI Bank Credit Card application, fees, reward redemption, and eligibility
Alternative credit cards with comparable reward rates, annual fee waivers, and perks
Direct online application on the official ICICI Bank portal with paperless verification.
Deep-dive comparisons, reward calculations, and editorial reviews from our research desk
Amazon Pay ICICI's latest terms make its travel rewards clearer, but 5% Prime cashback on eligible Amazon flight and hotel bookings is not new. Here's what actually changed and when booking through Amazon makes sense.
The Amazon Pay Kotak Business Credit Card earns Prime members 5% on eligible Amazon Business purchases and flights, 2% on bills through Amazon Pay, and 1% elsewhere. The Rs 499 annual fee is waivable on Rs 3 lakh of Off-Amazon spend. For personal Amazon shopping, the Amazon Pay ICICI card remains the cleaner choice. For genuine business procurement, the Kotak card makes a compelling case.
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