Are you looking for a credit card that offers you amazing rewards, cashback and convenience for shopping on Amazon? If yes, then you might have heard of the Amazon Pay ICICI credit card, a co-branded card from Amazon and ICICI Bank that gives you unlimited benefits on your shopping.
But can Amazon Pay ICICI credit card be used anywhere? This is a common question that many users have before applying for this card. In this article, we will answer this question and explain everything you need to know about using this card. You will know where you can use this card and whether this card is suitable for your needs or not. So, let’s get started.
Can Amazon Pay ICICI Credit Card Be Used Anywhere?
Yes, Amazon pay credit cards can be used anywhere. As it is a Visa credit card, it can be used at any merchant or online store that accepts Visa cards for payment. But the benefits and cashback will differ in different places.
If you are someone who prefer Amazon for their online shopping then this card is the best choice for you. However this credit card can be used in many different places which are given below.
Where can Amazon Pay ICICI credit card be used?
The Amazon Pay ICICI credit card is a versatile card that can be used for online and offline transactions at any merchant that accepts Visa cards such as
- For online transactions: You can use this card for shopping on Amazon. You can also use this card for shopping on other popular e-commerce sites like Flipkart, Myntra, Snapdeal and more.
- For Ordering Food Online: You can also use this card for ordering food online from Swiggy, Zomato, Dominos and more, where you can choose from a wide range of cuisines and restaurants.
- For Booking Cabs: You can also use this card for booking cabs online from Uber, Ola, Rapido and more, where you can find convenient and affordable rides.
- For Paying Bills: You can also use this card for paying bills online for electricity, water, gas, mobile, DTH and more. You can also use this card for recharging your mobiles online from Paytm, PhonePe, Google Pay and more. You can also use this card for booking tickets online for movies, flights, trains, buses and more from BookMyShow, Yatra, MakeMyTrip and more.
- For offline transactions: You can use this card at any store that has a Visa swipe machine. You can use this card for:
- Buying groceries offline from Big Bazaar, Reliance Fresh, More and more.
- Buying clothes offline from Shoppers Stop, Lifestyle, Max and more.
- Buying electronics offline from Croma, Reliance Digital, Vijay Sales and more.
- Buying fuel offline from Indian Oil, Bharat Petroleum, Hindustan Petroleum and more.
- Buying medicines offline from Apollo Pharmacy, MedPlus, Netmeds and more,
- You can also withdraw cash from any ATM that accepts Visa cards across the country.
The best part about using this card is that you get unlimited rewards and cashback on every transaction. Below given is the cashback structure of Amazon pay ICICI credit card:
| Transaction Category | Cashback Percentage | Cashback Credited To |
|---|---|---|
| Amazon purchases (Prime member) | 5% | Amazon Pay balance |
| Amazon purchases (Non-Prime member) | 3% | Amazon Pay balance |
| Partner merchants (Swiggy, BookMyShow, Yatra etc.) | 2% | Amazon Pay balance |
| All other transactions | 1% | Amazon Pay balance |
Who Should and Should Not Get Amazon Pay ICICI Credit Card?
The table given below helps you to determine that whether Amazon Pay ICICI is for you or not?
| Best Suited For | Not Best Suited For |
|---|---|
| Amazon Prime members who shop frequently on Amazon and want to earn high cashback | People who do not shop on Amazon or are not interested in Amazon Pay balance |
| Online shoppers who use Amazon Pay for payments on partner merchants and want to earn decent cashback | International travellers who need a card that supports foreign transactions and currency conversions |
| People who want a lifetime free card that offers rewards on all transactions | People who want a card that offers other benefits like lounge access, insurance, discounts etc. |
Is Amazon Pay ICICI credit card hard to get?
No, it’s not hard to get an Amazon Credit card. It is a complete paperless process to get an Amazon pay icici credit card. But in order to get the credit card, you must match its eligibility criteria which is given below:
- You must be an Indian resident
- You age must be between 18-60 years
- You should have a good credit score of 750 or above
- You should have a stable income source.
If you meet these criteria, you can apply for the card by clicking here. After submitting your application, ICICI bank will conduct a credit check and may also ask for additional documentation such as proof of income and identity. After a successful verification a credit card will be alloted to you.
Is Amazon Pay icici credit card safe?
Yes, Amazon Pay ICICI credit card is safe like any other credit card. But you need to take certain precautions to protect your card from getting misused.
Some of the precautions that you must take to keep your credit card safe are as follows:
- Never share your card details such as your card number or CVV code with anyone. Others can misuse these details.
- Always enter your card details in legitimate and safe sites. Before entering the details ensure that the website is safe and trusted.
- Keep tracking your account activity and card statements on a regular basis to ensure that all payments are made by you.
- If you find any suspicious or unauthorized transactions then report it immediately to your bank.
These precautions may seem simple for you. But you might be surprised to know that most of the people face credit card frauds as they don’t follow these precautions. So yes these precautions are simple yet effective.
Additionally, ICICI bank is one of the leading financial banks in India and has robust security measures in place to protect your personal and financial information.
Is Amazon Pay icici credit card useful?
Amazon Pay ICICI credit card may or may not be useful for you. It will depend on your individual needs and demands.
Here are a few things to consider that will help you to determine, whether this card useful for you or not:
- Rewards and benefits: This card has special rewards and benefits for purchases made on Amazon (3% cashback on shipping). It also offers cashback on the payment made in different places other than Amazon. But that cashback is only 1%. So if you’re someone who shops a lot from Amazon and pays most of your bill through Amazon, then this card is for you.
- Interest rates: If you are someone who often fails to pay the credit card bill on time. Then you should compare different credit to check the interest rate charged by them. But I recommend you to pay your credit card bill on time as it will affect your credit score badly.
- Fees: You don’t have to pay annual fees for this credit card. So it is one of the important features of this credit card.
- Credit limit: The Amazon pay ICICI credit card limit offered to you may be lower or higher than what you need. So it is important to consider your spending habits and creditworthiness when determining the right credit limit for you.
- Eligibility: Ensure that you meet all the eligibility criteria before applying.
So In my opinion, Amazon Pay ICICI credit card may be a useful option for you if you frequently shop on Amazon and looking for rewards and discounts. But before applying it is important to review the card’s terms and conditions, rewards program and fees to ensure that it aligns perfectly with your spending habits and needs.
Final Words
I hope this article answers your question: Can Amazon Pay ICICI credit card be used anywhere? Also I tried to cover all the related questions, but if you still have any doubt. Then you can refer to the FAQs section which is given below. Apart from the questions mentioned here, if you have different queries in your mind then drop them in the comments and I will answer them soon.
One request: It takes a lot of effort to create such detailed content. So if you really find it helpful then don’t forget to mention your views in the comments as it motivates me to create such content for you.
Frequently asked questions
Does Amazon pay icici credit card physical card?
Yes, Amazon pay ICICI credit card is a physical card. After successfully you get a digital card as well that you can access from Amazon.
But according to the latest RBI guidelines, you can’t use your digital credit card unless the physical card is delivered to your home. If you want to know its complete details then drop a comment below and I will cover this for you.
Is Amazon Pay icici card valid for flipkart?
Yes, you can use Amazon Pay ICICI for shopping on Flipkart as well. But you will receive only 1% cashback.
Is Amazon pay icici credit card a commercial card?
No, Amazon Pay ICICI credit card is not a commercial card. A commercial credit card is a card which is issued by a company to an employee to make purchases on behalf of the company.
Is amazon pay icici credit card international?
Yes, you can use Amazon Pay ICICI credit card for international payments, as VISA is accepted internationally.
Can we use amazon pay icici credit card in petrol pumps?
Yes, you can use Amazon Pay ICICI credit card in Petrol pump. However you can get only 1% cashback for this purchase.
Is Amazon Pay ICICI credit card free?
Yes, Amazon Pay ICICI credit card is completely free. Apart from this you get additional rewards from Amazon after the successful approval of your card.
Is the Amazon credit card only for Amazon?
No, you can use your Amazon credit card anywhere where VISA is accepted as a payment option. However, Amazon has partnered with ICICI bank so you get additional rewards and benefits for purchases made on Amazon.