{
  "id": "amazon-pay-icici-bank",
  "locale": "hinglish",
  "name": "Amazon Pay ICICI Bank Credit Card",
  "bank": "ICICI Bank",
  "cardType": "cashback",
  "cardTier": "entry",
  "annualFee": "₹0",
  "loungeAccess": "Captured terms mein lounge benefit confirm nahi hua",
  "rewardsRate": "5% Prime / 3% non-Prime eligible Amazon.in; 2% partner tier scope pending; 1% eligible other spend",
  "bestFor": "Amazon shopping aur Amazon Pay balance use karne wale",
  "officialLink": "https://www.icici.bank.in/personal-banking/cards/credit-card/amazon-pay-credit-card",
  "aiVerdict": {
    "score": 5.4,
    "summary": "Its strong reward rate and lifetime-free pricing offset the lack of lounge access.",
    "tradeOffs": [
      "No extracted lounge benefit",
      "Data quality is PARTIAL, not fully live-verified"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 5,
  "affiliateId": "amazon-pay-icici-bank",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "PARTIAL",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": "2026-10-14T16:32:32.662Z",
    "unresolvedItems": [
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Essential costs and benefit conditions need accepted evidence; no complete savings estimate is available"
    }
  },
  "sources": [
    "https://www.icici.bank.in/personal-banking/cards/credit-card/amazon-pay-credit-card",
    "https://www.icici.bank.in/content/dam/icicibank/india/managed-assets/revamp-page-images/docs/pdf/mitc-cc-gk-t.pdf",
    "https://www.icici.bank.in/content/dam/icicibank/india/managed-assets/revamp-page-images/docs/pdf/tc-for-amazon-pay-credit-card.pdf"
  ],
  "feeWaiver": "No annual fee; no waiver threshold",
  "networks": [
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "Prime Amazon tier",
      "value": "5% advertised; terms apply"
    },
    {
      "key": "Non-Prime tier",
      "value": "3% advertised; terms apply"
    },
    {
      "key": "Annual fee",
      "value": "Nil"
    },
    {
      "key": "Forex markup",
      "value": "1 Oct 2025 se card rate 1.99%"
    },
    {
      "key": "Lounge",
      "value": "Unconfirmed"
    },
    {
      "key": "2% channel",
      "value": "Partner/category scope unresolved"
    },
    {
      "key": "Reward timing",
      "value": "Within 2 working days after billing cycle"
    }
  ],
  "earnRates": [
    {
      "category": "Eligible Amazon.in purchases, Prime",
      "rate": "5% with listed exclusions and rounding"
    },
    {
      "category": "Eligible Amazon.in purchases, non-Prime",
      "rate": "3% with listed exclusions and rounding"
    },
    {
      "category": "Partner/digital channels",
      "rate": "2% advertised; scope unresolved"
    },
    {
      "category": "Other eligible purchases",
      "rate": "1% subject to exclusions"
    }
  ],
  "hasAccelerated": false,
  "acceleratedEarn": [],
  "redemptionRoutes": [],
  "exclusions": [
    "Gold coins and Amazon Pay flight/hotel bookings excluded from 5%/3% Amazon.in tiers.",
    "Education, international, off-Amazon utility, fuel, precious metals, tax and rent transactions excluded from rewards.",
    "Cash, EMI, fees and interest earn no points; later EMI conversion and transaction reversal claw back points."
  ],
  "feesDetail": [
    {
      "item": "Joining fee",
      "value": "Nil"
    },
    {
      "item": "Annual fee",
      "value": "Nil"
    },
    {
      "item": "Foreign currency markup",
      "value": "1 Oct 2025 se card-specific 1.99%; fees par applicable GST"
    },
    {
      "item": "Revolving interest",
      "value": "15 Nov 2024 se 3.75% monthly / 45% annual",
      "warn": true
    },
    {
      "item": "Cash advance fee",
      "value": "10 Feb 2022 se 2.50%, minimum ₹500",
      "warn": true
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Citizenship aur age",
      "requirement": "Indian citizen, minimum 21 years; maximum age stated nahi hai"
    },
    {
      "criteria": "Income",
      "requirement": "Salaried ya self-employed, at least ₹30,000 monthly"
    },
    {
      "criteria": "Application",
      "requirement": "ICICI ise invite-only program batata hai"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}