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 prefers 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.
What Are The Benefits Of Amazon Pay ICICI Credit Card?
Below given are some of the benefits of using an Amazon Pay ICICI Credit Card:
- Cashback on all purchases, which can be used to buy products from Amazon or its partner merchants
| 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 |
- No joining fee or annual fee
- No cost EMI option for purchases above Rs. 3,000 on Amazon.in
- Chip and PIN security feature for safe transactions
What Are The Disadvantages of Amazon Pay ICICI Credit Card?
Some of the disadvantages of the Amazon Pay Pay ICICI Credit Card are:
- It has not many benefits for travel, entertainment, or any other category apart from shopping.
- It does not offer any rewards, air miles, or lounge access benefits.
- Non-Amazon users can get better benefits on other cashback credit cards.
- Customers must have good credit in order to be approved for the Amazon Pay ICICI Credit Card.
- There are no rewards for purchasing gold and EMI transactions at Amazon
So, Amazon Pay Credit Card is a good option for Amazon Prime members who shop frequently on Amazon and its partner merchants. However, if you are looking for a more versatile card that offers benefits on other categories and platforms, you may want to consider other options.
Is Amazon Pay ICICI Credit Card Hard To Get?
No, it’s not hard to get an Amazon Credit card. It is a completely 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 are given below:
- You must be an Indian resident
- Your 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 allotted to you.
Who Should and Should Not Get Amazon Pay ICICI Credit Card?
The table given below helps you to determine 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 travelers 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. |
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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 on 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 to you. But you might be surprised to know that most people face credit card fraud 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.
Related:Is Amazon Pay Later Safe? How Can You Use It Safely?
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 is 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 payments 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 bills 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 credits to check the interest rate charged by them. But I recommend you 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 rewards program, and fees to ensure that it aligns perfectly with your spending habits and needs.
Final Words: Amazon Pay ICIC Credit Card
In conclusion, the Amazon Pay ICICI credit card is a versatile and rewarding card that can be used anywhere in India and abroad. It offers cashback on every transaction, with higher rates for Amazon Prime members and Amazon Pay partner merchants. It also has no annual or joining fee, no cap or expiry on rewards, and additional benefits such as fuel surcharge waiver and chip and PIN security.
If you are looking for a card that gives you more value for your money, the Amazon Pay ICICI credit card might be the right choice for you. You can apply online at ICICI Bank or Amazon and get instant approval. Thank you for reading this article and stay tuned for more updates from Digital Kuldeep. 😊
Also, I tried to cover all the related questions, but if you still have any doubts. 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 the 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.
The Amazon Pay ICICI Credit Card offers remarkable versatility, enabling users to make purchases not only on the Amazon platform but also at a wide array of outlets worldwide. The card seamlessly integrates with the convenience of Amazon Pay, enhancing the shopping experience by extending its usage beyond the digital realm. This means you can utilize it for transactions in retail stores, restaurants, travel bookings, and much more. The widespread acceptance of the card amplifies its appeal, making it a valuable financial tool for both online and offline purchases, adding immense flexibility and utility to users’ spending options.