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Amazon ICICI credit card
Amazon India for your shopping essential groceries and other rations? then you should definitely get yourself Amazon pay ICICI lifetime free credit card, and entry level reward credit card from ICICI Bank in partnership with Amazon India. The payment merchant is Visa, and the variant is just the Visa basic.
Futures & Rewards Explained:-
- You will learn 5% unlimited cashback on shopping on Amazon India if you are an Amazon Prime member.
- You will earn 3% unlimited cashback on shopping on Amazon India if you are not an Amazon Prime member.
- You will earn 2% unlimited cashback and bill payments on Amazon India.
- You will earn 2% unlimited cashback on using Amazon pay payment method on 3rd party Merchant.
- You will earn one percent unlimited cashback on all of the online and offline transactions, as well as wallet reloads.
- There is no minimum purchase necessary for evening cashback, and there is no monthly capping on how much you can earn.
- You will get a 1% fuel surcharge waiver.
- You can avail up to 24 months of no cost EMI and your card from Amazon India.
Eligibility Criteria:
- This card is an entry level card and if given out as a Preapproved credit card to regular Amazon India shopper who have an saving account.
- Those not having an ICICI relationship can also apply for this card with Salary slip or the latest ITR.
- You should be at least 18 years of age to apply.
- The minimum income required is 30k per annum.
- Update: The eligibility criteria vary from user to user. I have seen instances where users were able to get the card without beating the eligibility criteria so, I would suggest you go hard and apply in case you want this credit card.
The downsides of This Card :
- On Flipkart sale with ICICI credit card instant discount offers is excluded.
- On Amazon’s other sales with ICICI credit card instant discount offer discount percentage is reduced.
- No higher reward points on transactions made on platforms other then amazon.
- You will get till 5% cashback from Amazon India and 1% cash back from other places, but will completely miss out on Bank specific offers.
So it is up to you whether you want to continue with Amazon pay ICICI credit card or go with any other card so that you can get the bank specific offers.
Fee And Charges:
- Joining fee an annual fee: There is no joining and annual fees
- Interests and cash advance: 3.5% to 3.8% per month depending on the customers Behavior’s and performance.
- Cash advance transaction fee: 2.5% on the advance amount subjected to a minimum of rupees 300.
- Late payment charges:
1) Rs 100 worth the total amount due between Rs 100 to Rs 500.
2) Rs 500 for the total amount due between Rs 105 to Rs 10000.
3) Rs 750 for the total amount due more than Rs 10000.
- Over limit charges: 2.5% on the over limit amount submitted to a minimum of rupees 500.
- Return of cheque/Auto debit return fee: 2% of the total amount due subject to a minimum of Rs 450.
- Duplicate statement request: Rs 100 beyond ( 3 months ).
Method Of Rewards:
- Cashback will be credited to your Amazon pay wallet. will be linked to that specific Amazon account only.
- The reward points will be automatically connected to your Amazon pay wallet in the next building cycle.
- You need to keep Amazon Prime enabled on your account to get 5% cashback, else you will get 3% .
Conclusion:
In summary, the Amazon ICICI Credit Card emerges as a compelling choice for discerning consumers seeking a blend of convenience, rewards, and security. From seamless shopping experiences and lucrative rewards programs to comprehensive travel benefits and robust security features, this credit card delivers on all fronts. By embracing the Amazon ICICI Credit Card, users can embark on a journey of financial empowerment and enrichment like never before.
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