Amazon Pay ICICI Bank Credit Card

Charge

• Finance charge / overdue interest on extended credit and cash advances: 3.75% per month (45% per annum) (w.e.f. Nov 15, 2024).
• In case of default up to 3.8% per month (46% per annum).
• Cash advance transaction fee: 2.50% of advanced amount, min ₹500 (w.e.f. Feb 10, 2022).
• Late payment charges (w.e.f. Nov 15, 2024) on outstanding = TAD minus payment before due date: <=₹100 Nil.
• ₹101-500 ₹100.
• ₹501-1,000 ₹500.
• ₹1,001-5,000 ₹600.
• ₹5,001-10,000 ₹750.
• ₹10,001-25,000 ₹900.
• ₹25,001-50,000 ₹1,100.
• Over ₹50,000 ₹1,300.
• Over-limit charges: 2.50% of over-limit amount, min ₹550.
• Return of cheque / Auto Debit return fee: 2% of TAD, min ₹500 (plus ₹50 + GST debited from savings account).
• Card replacement fee: ₹200.
• Fee on cash payment at branches: ₹100 per transaction (₹150 w.e.f. Jan 15, 2026).
• Dynamic Currency Conversion fee: 1% (1.99% w.e.f. Jan 15, 2026).
• Rent Pay transactions: 1% fee (w.e.f. Oct 20, 2022).
• Education transactions (third-party apps): 1% (w.e.f. Nov 15, 2024).
• Utility transactions exceeding ₹50,000: 1% (w.e.f. Nov 15, 2024).
• Fuel transactions exceeding ₹10,000: 1% (w.e.f. Nov 15, 2024).
• Transportation MCC transactions exceeding ₹50,000: 1% (w.e.f. Jan 15, 2026).
• Skill-based gaming transactions: 2% (w.e.f. Jan 15, 2026).
• Wallet load transactions of ₹5,000 or more: 1% (w.e.f. Jan 15, 2026).
• GST 18% applicable on all fees, interest, surcharge and other charges.

Verified · MITC – Amazon Pay ICICI Bank Credit Card (card-specific, icici.bank.in, updated ~Jul 2026) · 2026-08-03 · source

Interest-free period

• Interest-free period ranges from 18 to 48 days.
• A 3-day grace period is given after the payment due date.
• No interest-free period applies if Total Amount Due is not paid by the payment due date + 3 days grace.
• For cash advances, interest is charged from the transaction date until payment.

Verified · MITC – Amazon Pay ICICI Bank Credit Card (card-specific, icici.bank.in, updated ~Jul 2026) · 2026-08-03 · source

Fuel surcharge waiver

• 1% fuel surcharge waiver on transaction value at all petrol pumps on the Amazon Pay ICICI Bank Credit Card.
• On fuel purchase at off-us terminals the surcharge reversal will not include GST.

Verified · MITC – Amazon Pay ICICI Bank Credit Card (card-specific, icici.bank.in, updated ~Jul 2026) · 2026-08-03 · source

Redemption value

• Reward Points credited as Amazon Pay balance within 2 working days of completion of the last billing cycle, in the form of Amazon Gift Cards.
• No expiry on earnings/no minimum redemption.
• Card can be replaced up to 3 times.
• After the 3rd replacement, no new replacement card is issued and outstanding reward points will be held.

Verified · Terms & Conditions – Amazon Pay ICICI Bank Credit Card (card-specific T&C) · 2026-08-03 · source

Reward cap

• No maximum cap stated for reward points on the Amazon Pay ICICI Bank Credit Card.
• The E-Wallet Reload no-reward exclusion explicitly does not apply to this card (i.e. e-wallet reload remains eligible).

Verified · MITC – ICICI Bank Credit Cards (general, covers Amazon Pay ICICI Bank Credit Card, updated Jul 2 2026) · 2026-08-03 · source

Reward exclusion

Verified · Terms & Conditions – Amazon Pay ICICI Bank Credit Card (card-specific T&C) · 2026-08-03 · source

Insurance

• ICICI Bank offers free insurance cover on certain cards through a tie-up with ICICI Lombard General Insurance Company Limited or any other insurance company as decided from time to time.
• Cardholders are advised to refer to the brochure in the welcome kit or www.icicibank.com for details.

Verified · MITC – Amazon Pay ICICI Bank Credit Card (card-specific, icici.bank.in, updated ~Jul 2026) · 2026-08-03 · source

Eligibility

• The Credit Card is issued solely for personal use.
• Amazon Pay ICICI Bank Credit Card replacement is allowed up to 3 times.
• After the 3rd replacement, no new replacement card shall be issued and outstanding reward points will be held.

Verified · MITC – Amazon Pay ICICI Bank Credit Card (card-specific, icici.bank.in, updated ~Jul 2026) · 2026-08-03 · source

Official terms

https://www.icici.bank.in/personal-banking/cards/credit-card/amazon-pay-credit-card.

Verified · Amazon Pay ICICI Bank Credit Card product page · 2026-08-03 · source