Can this be your first credit card?

A couple of days ago, I was speaking to a friend about which mobile he could go-ahead for a purchase. Eventually, the topic changed from mobiles to payment offers and I told him about "Amazon Pay ICICI credit card" that he wasn't aware of. Interestingly, he has shopped for at least 5K INR per month on Amazon in the last few months. Lo and behold, he got his credit card approved and delivered virtually on the same day. Physical card is to be delivered soon. 

That made me think of taking this opportunity to rekindle my writing and come up with useful articles for my friends. As an existing user of Amazon Pay credit card and with half a dozen credit cards in my wallet, I hope I can do justice to talk in detail about this card. No, I'm not getting paid for writing this and I just want you all to save more. 

What is Amazon Pay ICICI credit card? 

It's a co-branded ICICI credit card offered in tie-up with Amazon and similar to any other co-branded credit card offerings from ICICI. 

What makes this card special?

You get a minimum of 1% reward points on all spending (except fuel and EMI purchases) and more reward points in cases listed below. 

• 5%/3% for prime/non-prime users on Amazon shopping
• 2% for mobile recharges, bill payments, flight bookings & food orders on Amazon Pay and also on partner merchants( like Swiggy, Redbus, Abhibus, Yatra, etc.)

USP of this credit card is 1 reward point = 1 Rupee in Amazon Pay wallet. There is no upper cap for the reward points. Truly Unlimited :)  Amazon Pay is also widely used across different online and offline stores. So, high chances of you spending the Amazon Pay balance in just two days from the day of credit in useful ways and not stock up reward points for futuristic/namesake redemptions. Other credit cards payback rewards in the ratio of 25 paise for every 100 rupees spent. Compared to that, at the minimum, you get 3X more and in best cases, it's whopping 19X more. 

Also, Zero joining fee and Zero membership fee!! 

How do I apply for this card? 

Go to Amazon and search for "Amazon Pay ICICI card". You will see the below banner on the site. Click on the banner and see if you qualify. 

I don't want to apply for this but can I still avail this offer?

Yes, if one of your friends is willing to lend her/his card. You can use your friend's credit card in your Amazon account but the rewards will get credited only in your friend's Amazon Pay wallet. But, as the rewards can be redeemed in as early as four days, you can use the cashback from their Amazon Pay wallet. Say, if you make a purchase of 50,000 INR on Amazon using your friend's credit card, they will get 2,500 INR back in their wallet. But, there is no dearth of ways to spend 2,500 INR with such a Universal wallet. They really don't need to share credentials with you as they can recharge/pay bills for you from their own account. This is a safe option if they are worried about passing on the discounts directly to you as please remember they get only cashback and not instant discount. 

So, that brings us to the end of this article. Let me know if you found this useful and any other topics that would be useful to you.