With the growing trends in e-Shopping, banks and credit card issuers are also a step ahead to gain customer attention to their exclusive co-branded credit card segments. Unlike regular credit cards, co-branded cards offer some extra benefits if you use them for a particular online or offline platform. Online retail e-commerce leader Amazon with a partnership with ICICI Bank, introduced an attractive credit card called Amazon Pay ICICI Bank Credit Card. This card is growing its popularity as the benefits are still the same as it launched in 2018. I am using this Amazon Pay ICICI Credit Card since 2020, and I think I can share my good and bad experiences with this card.
I applied for the Amazon Pay ICICI Card on receiving the invitation from Amazon. Ohh! one thing I forgot to share is that I shop a lot from Amazon. I think, based on the relationship and frequency of shopping Amazon offers this card to their customers. However, if you could not see the invitation on your amazon app or website, you can directly visit the ICICI card portal to apply for the card. It will redirect, if eligible, you to the card application page on the Amazon India portal. Otherwise, I think no such other options are available to apply for an Amazon Pay card.
During the application, the applicant needs to complete a video KYC. When I applied, it took approximately 10 mins. All you need to produce some identification documents like PAN, AADHAR, etc. during the KYC. They can ask about your income source or ITR, or Form-16. Once you completed your video KYC, you will receive confirmation within 1 or 2 days. In my case, I received confirmation the next day. If your application is get approved, you will receive your card information by SMS. And you can expect physical card delivery within 7 to 10 days after application.
Let's discuss some benefits of having an Amazon Pay ICICI card.
Although the Amazon Pay ICICI credit card is packed with a bunch of benefits, I will discuss some of the pitfalls of this credit card.
I am using this card for a couple of months, and honestly speaking this credit card is quite beneficial for me as I shop from Amazon regularly. Yah! I have saved a good amount of money after using the Amazon Pay ICICI card. I have two more credit cards from different banks, but how quickly I got this card impressed me. It was paperless and quick. The next day of the application, I received the card information that was nice to me. Apart from this, I have never faced any transaction-related issues using this credit card. In my case, the reward points are get credited into Amazon's wallet on the 5th of every month. But it can vary from user to user and billing cycle.
The thing I don't like is its mobile application. The 'iMobile Pay' application by ICICI is a bit confusing. The mobile application is packed with unnecessary options that make this app so bulky. A separate application may be better, especially for credit cards, without leaving all banking services in a single application. The payments take approx three days to reflect in the account. However, these things are not a deal-breaker at all.
The Amazon Pay ICIC Credit Card can be the best option for those who shop on Amazon frequently. This card is one of the few which do not charge any annual fees and joining fees. Of course, it is an entry-level credit card by ICICI bank. So, you can not expect prime benefits with this card. If you don't have a credit card, you can start with Amazon Pay ICIC Card. Since this credit card is limited to Amazon and ICICI Bank, I don't think there will be any benefit in keeping this card unless you make a lot of purchases from Amazon.
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