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ICICI BankVisa • Entry Tier Source Verified

Amazon Pay ICICI Bank Credit Card Fees & MITC Charges

India's highest circulating lifetime-free credit card offering 5% uncapped cashback on Amazon for Prime members.

i
ICICI Bank
VISA

AMAZON PAY

•••• •••• •••• 2026

Entry
Joining Fee
₹0 (Free)
No upfront joining fee
Annual Renewal Fee
₹0 (Lifetime Free)
Zero annual maintenance
Annual Fee Waiver Spend
N/A
No annual waiver criteria
Forex Markup Fee
3.5%
Effective 4.13% incl. GST

Airport Lounge Access Policy (2026 Update)

Domestic Lounge Allowance:No complimentary access
International Lounge Allowance:None
Quarterly Spend Condition:Unconditional (No spend requirement)

Official Rule: No complimentary airport lounge access provided.

Surcharges & Utility Caps

Fuel Surcharge:1% waiver on transactions between ₹400 and ₹4000 (up to ₹250/month).
Utility Spends:1% surcharge applies on cumulative monthly utility bill payments exceeding ₹50,000.

Key Strengths

  • •100% Lifetime Free (₹0 Joining Fee, ₹0 Annual Fee forever)
  • •Uncapped 5% cashback for Amazon Prime members
  • •2% flat cashback on 100+ bill payment & recharge categories on Amazon

Limitations & Drawbacks

  • •Non-Prime cashback is reduced to 3%
  • •Zero airport lounge access
  • •Cashback locked to Amazon Pay balance
Source Provenance
Primary Authority Document:Official Issuer Most Important Terms & Conditions (MITC)
Last Verified Date:2026-08-21
Regulatory Compliance:RBI Master Direction – Credit Card and Debit Card Issuance and Conduct Directions
View Official Bank MITC Apply on Official Bank Website →

Related Intelligence Tools

• Calculate Your Net Value for this Card →• Check Airport Lounge Spend Criteria →• Compare with 0% Forex Cards →• Decode Credit Card Statement Charge →

Questions about Amazon Pay ICICI Bank Credit Card charges

What is the annual fee for Amazon Pay ICICI Bank Credit Card?

Amazon Pay ICICI Bank Credit Card is a Lifetime Free (LTF) credit card with ₹0 joining fee and ₹0 annual fee.

What is the foreign currency (forex) markup on Amazon Pay ICICI Bank Credit Card?

Amazon Pay ICICI Bank Credit Card charges a 3.5% foreign currency markup fee + 18% GST on all non-INR currency transactions and foreign merchants.

Does Amazon Pay ICICI Bank Credit Card offer airport lounge access in 2026?

Amazon Pay ICICI Bank Credit Card does not offer complimentary domestic airport lounge visits.