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%.
- 5% on eligible Amazon, subject to caps.
- 3% on eligible Amazon, subject to caps.
Trade-off
No material trade-off is resolved yet; verify issuer terms before applying.
Annual fee ₹0 no annual fee currently listed
Base cashback 1%
Lounge access 0 no lounge
Forex markup 1.99% low
Compare with HSBC India Live+ →
Similar low-forex profile
Rewards
Earning rules
Detail · from the summary aboveScopeRateEligibilityLimit
General spend1%Does not earn on Uncapped
- education
- emi
- fuel
- gold
- international
- rent
- tax
- utility
Amazon for Prime users5%additional conditions apply — not fully modelledDoes not earn on Uncapped
- gold
- travel amazon pay
Amazon for non-Prime users3%additional conditions apply — not fully modelledDoes not earn on Uncapped
- gold
- travel amazon pay
Amazon Pay via login & pay2%additional conditions apply — not fully modelledUncapped
Reward reality — the earning-rate detail behind the numbers above
Reward reality
Conclusion · what you actually getCaps
- Uncapped earning — not applicable.
No reward on
- international transactions
Costs & fees
Eligibility
Applicant class · age · incomeSalaried applicant
- Net monthly income: Above ₹20,000
Self-employed applicant
- Net monthly income: Above ₹30,000
Some criteria vary by applicant type, so no single threshold is shown for those fields.
Estimated usage
Example usage at this monthly spend
₹
- At this monthly spend, you'd earn: Up to ₹500 base cashback if the entire ₹50,000 qualifies for the general-spend lane · 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
- International (cardholder)
- No international lounge entitlement documented by the issuer Absence of an international claim on the product page is not proof of exclusion. Visa or programme terms may still apply.
Issuer documented · single source · verify on issuer site
Where to verify
- Operator-verified anchor
Rewards
- Base earn
- 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
- First-year cost
- ₹0 · verified 30 Jun 2026
- Annual fee
- ₹0
- Joining fee
- No joining fee · verified 30 Jun 2026
- Interest-free period
- Up to 48 days · verified 7 Jul 2026
International Use
- Forex markup
- 1.99%
Issuer documented · corroborating sources · 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 refreshCaps & limits
- Earning cap: Uncapped earning — not applicable.
Exclusions: 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
- First-year cost: ₹0.
- 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, annual, or renewal fee currently listed by the issuer. GST still applies where applicable. Fee tables can change — verify before applying.
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