Lifetime Free Amazon Pay ICICI Bank Credit Card

[greylala91]

You will not get any offer except 5% cashback that too without EMI transaction

This is excellent deal for regular Amazon users.

 

[piinku1]

This is excellent deal for regular Amazon users.

But you can not calculate how they provide cashback as ap balance.
Problem is that if there is 10% discount on icici card, you will not get it.

 

[Rushil]

But you can not calculate how they provide cashback as ap balance.
Problem is that if there is 10% discount on icici card, you will not get it.

On icici card discounts they provide 5% + 5% cashback.

 

[greylala91]

But you can not calculate how they provide cashback as ap balance.
Problem is that if there is 10% discount on icici card, you will not get it.

Yes thats a drawback. I verify cashback with my own calculation every month for all the purchases and its always correct and exactly 5% for prime users. No cost EMI is another good benefit but you will have to forgo that 5% cashback for it.

So yes, it gives a specific advantage only to regular amazon prime users and I guess it is being provided for that purpose itself

The card does not hold any other advantage

 

[Rushil]

Yes thats a drawback. I verify cashback with my own calculation every month for all the purchases and its always correct and exactly 5% for prime users. No cost EMI is another good benefit but you will have to forgo that 5% cashback for it.

So yes, it gives a specific advantage only to regular amazon prime users and I guess it is being provided for that purpose itself

The card does not hold any other advantage

I think you also get 2% for all the bill payments and amazon merchant pay and 1% on all other payments except gold and fuel.

 

[greylala91]

On icici card discounts they provide 5% + 5% cashback.

It does not translate to full 10% always and you tend lose a few bucks in some cases when compared to normal ICICI cards.

In one of the sale days, normal ICICI cards had 10% discount of 2000₹ while Amazon pay card had 5% discount upto 1000₹ and 5% additional cashback.

So on purchase of 20000₹,
Savings for ICICI card - 2000₹(10%)
Savings for Amazon Pay card - 1000₹(5% of 20000) + 950₹ (5% of cashback on remaining amount 19000) = 1950₹

However, if you purchase good for amount higher than the upper limit of discount in these sales, then it proves to be beneficial.

Ex - purchase amount 50000₹
Savings on ICICI card - 2000₹
Savings on Amazon Pay card - 1000₹(5% of 50000 capped at 1000₹) + 2450₹(5% of remaining 49000) = 3450₹

 

[greylala91]

I think you also get 2% for all the bill payments and amazon merchant pay and 1% on all other payments except gold and fuel.

In my use case, recharge is mostly being covered by the cashback that is receive from this card in amazon pay balance. 2% is good to have whenever used.

Flipkart Axis bank has 1.5 % cashback in other case so I tend to use that card when outside. Additionally many other card for better rewards on fashion etc so need to use them accordingly.

Flipkart sale is offering 10% discount + 5% cashback on their Axis bank card, which Amazon pay used to give in the initial days

 

[Rushil]

In my use case, recharge is mostly being covered by the cashback that is receive from this card in amazon pay balance. 2% is good to have whenever used.

Flipkart Axis bank has 1.5 % cashback in other case so I tend to use that card when outside. Additionally many other card for better rewards on fashion etc so need to use them accordingly.

Flipkart sale is offering 10% discount + 5% cashback on their Axis bank card, which Amazon pay used to give in the initial days

I use Amazon Pantry for all the grocery shopping so this card is good for me.

 

[greylala91]

I use Amazon Pantry for all the grocery shopping so this card is good for me.

Same here. Amazon pantry and fresh deals + cashbacks on card use are too good to miss. Even milk comes to my house from Amazon

 

[piinku1]

Even I used this for almost 2 years and last month closed it.