The trend for online shopping is increasing day by day whether a person is buying electrical or fashion products. On the other hand, Amazon is one of the most trusted shopping websites in India having millions of products. They provide fast delivery and a wide range of products at a discounted price. But grabbing more discounts on these products would be a cherry on the cake. Therefore, you must take a look at the Amazon Pay Credit Card by ICICI Bank which has exciting discount offers on Amazon. You can buy any product from Amazon and earn cashback through this ICICI Bank Credit Card. Let’s take a look at the features and benefits of Amazon ICICI Credit Card and see how much you can save through it.
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Benefits of Amazon Pay ICICI Credit Card
The best thing about this credit card is that it is absolutely free and you will not have to pay any joining or renewal fee for this credit card. There are also some eye-catching features of this card that you can explore below:-
- Get 5% back on Amazon India if you are a Prime member of Amazon.
- Get 3% back on Amazon India if you are an Amazon Non-Prime member.
- Enjoy 2% back at more than 100 Amazon Pay partner merchants.
- Get 1% back on other purchases and the earnings will be added to the Amazon Pay Balance.
- Get a minimum of 15% off on dining at more than 2,500 restaurants across India and it will be under the Culinary Treats Program.
- Enjoy a fuel surcharge waiver of 1% on Fuel Spending made from the ICICI Bank Amazon Pay Credit Card.
- This card has a chip that makes it more secure to use and for making payments at thousands of merchant outlets.
Amazon Pay ICICI Credit Card Fees and Charges
Here, you must go through the fee and other charges of this credit card. As it is a free credit card, so you will not have to pay any joining or annual fee to use this card. Amazon will contact you if it finds you eligible for this credit card. You can see the other charges of the card that you might have to pay.
- Finance Charges will be between 42% to 45.60% per year.
- Cash Advance Fee will be 2.5% of the transaction amount and a minimum of INR 300 will be chargeable.
- The over-limit charges will be 2.5% of the over-limit but a minimum of INR 500 will be charged.
- The Card Replacement fee will be INR 100.
- Late Payment Charges will be INR 100 to INR 750 for the Outstanding amount of INR 100 and above.
Eligibility Criteria for Amazon ICICI Credit Card
You will need a minimum age of 18 years to apply for this credit card and the maximum age to get this card is 60 years. If Amazon finds you eligible for this credit card then it will contact you can apply for it. But you will need a minimum Cibil Score of 750 and above to apply for this credit card. On the other hand, a stable income is mandatory to get easy approval for the card.
Credit Limit of ICICI Amazon Pay Credit Card
The credit limit depends on the ICICI Bank and it is decided on the basis of your income and Cibil Score. A high income and a high Cibil Score will give you a high credit limit on the Amazon Pay ICICI Credit Card. You should have a Cibil Score of at least 750 or above to get a good credit limit on this credit card.
Conclusion
This credit card is one of the best credit cards for online shopping. You can grab cashbacks and discounts on the Amazon India Official website and save some bucks. The Amazon Prime members will be benefited more than the non-prime members.
