Verified value
₹1 per point
Redemption
ICICI VISA
Amazon Pay
Should you get this?
Strong fit
Why this card
- Forex markup is low at 1.99%.
- You want a lifetime-free card.
- You spend in the card's stronger reward categories.
Trade-off
No material trade-off is resolved yet; verify issuer terms before applying.
Annual fee ₹0 lifetime free
Base cashback 1%
Lounge access 0 no lounge
Forex markup 1.99% moderate
Compare with IDFC FIRST Bank Select →
Similar low-forex profile
Rewards
Earning rules
Detail · from the summary aboveScopeRateEligibilityLimit
General spend1%Does not earn on —
- education
- emi
- fuel
- gold
- international
- rent
- tax
- utility
Amazon for Prime users5%additional conditions apply — not fully modelledDoes not earn on —
- gold
- travel amazon pay
Amazon for non-Prime users3%additional conditions apply — not fully modelledDoes not earn on —
- gold
- travel amazon pay
Amazon Pay via login & pay2%additional conditions apply — not fully modelled—
Reward reality — the earning-rate detail behind the numbers above
Reward reality
Conclusion · what you actually getNo reward on
- These spends do not earn cashback: Rent
- Education
- Tax payments
- Fuel
- +6 more
Costs & fees
Estimated usage
Example usage at this monthly spend
₹
- At this monthly spend, you'd earn: ~₹500/month back (base earn · uses base/general earn rate; partner and category bonuses not included)
- Forex cost ~₹1,000 per ₹50k international spend
Illustrative only, using current base rates and snapshot data.
Benefits & charges
Side-by-side factsBenefits
Lounge Access
- Domestic (cardholder)
- No complimentary lounge access
Single source · verify on issuer site
Where to verify
- Operator-verified anchor
- International (cardholder)
- Not included
Single source · verify on issuer site
Where to verify
- Operator-verified anchor
Rewards
- Base cashback
- 1% base cashback
- Reward type
- Cashback
Redemption value
- You earn
- Cashback
- Redemption
- ₹1.00 per point · verified 30 Jun 2026
- Redemption
- Auto-credited as Amazon Pay balance
Fees & charges
Fees
- Monthly interest rate
- 3.75% / month
- Annual fee
- ₹0
- Joining fee
- ₹0 · verified 30 Jun 2026
- Interest-free period
- Up to 48 days · verified 7 Jul 2026
International Use
- Forex markup
- 1.99%
3 sources agree · verify issuer terms before applying
Where to verify
- ICICI official Amazon Pay page
- CardInsider
- Operator-verified anchor
- Issuer site (verify current terms) , opens external site
Travel & perks
Fuel Benefits
At the pump- 1% fuel surcharge waived.
- Fuel transactions do not earn cashback.
Fine print & compare
Compare with similar cards
Similar tier · similar benefitsThe fine print
Caps · exclusions · earning · redemption · last refreshExclusions: 10
These spends do not earn cashback.
Payments
- Rent
- Education
- Tax payments
Financial
- Fuel
- EMI
Travel
- Flight & hotel bookings via Amazon Pay
International
- International transactions
Shopping
- Gold Coins on Amazon
- Gold, silver & precious metals
Utilities
- Utility spends outside the eligible platform / app
Latest update
- Annual fee: ₹0.
- Forex markup currently listed at 1.99%.
- No complimentary lounge access.
Common questions
From verified card factsIs this good for lounge access?
No lounge access.
Is this good for international spends?
Forex markup is 1.99%, which can be useful for international spends if the annual fee and usage pattern still make sense.
Is the annual fee easy to recover?
No joining or annual fee. GST still applies where applicable. Verify benefit eligibility before applying.
When do welcome benefits arrive?
No welcome benefit is listed. Check the issuer welcome email, MITC, and current offer page if this benefit matters.
Learn more
Guides matched to this card — not a random syllabus.
- Cashback vs points
When simple cash beats flashy miles - Forex markup bands
0% vs 3.5% — which cards publish what - Billing cycle
Statement date vs due date, clearly