HDFC Bank
ReviewedHDFC Bank Millennia
5% cashback across ten popular online brands with a fee most users waive on spend.
5% on select merchantsLounge access
Annual fee
₹1,000 + GST
ICICI Bank · Visa
Amazon Pay ICICI Credit Card
Lifetime-free card with 5% back for Prime members — the default first card for online shoppers.
Our verdict
If you have Prime and no card yet, start here. There is almost no downside to a lifetime-free card that pays 5% on a category you already spend in.
What works
- Lifetime free — no joining or annual fee to justify.
- 5% back on Amazon for Prime members, 3% without Prime, 2% on 100+ partner merchants.
- Rewards land as Amazon Pay balance, usable instantly with no redemption fee or expiry.
Watch-outs
- Rewards are locked to the Amazon ecosystem — poor fit if you shop mostly elsewhere.
- 1% back only on other spends; no lounge access or travel benefits.
- No reward on rent, wallet loads or EMI conversions.
Eligibility snapshot
Typical income
₹25,000+ / month
Credit score
700+ (or existing ICICI relationship)
Best applied via
Amazon app, pre-approved offer
Underwriting is decided by the issuer and is often stricter than the advertised minimums. An existing relationship with the bank materially improves your odds.
Also worth comparing for online shopping
IDFC FIRST Bank
ReviewedIDFC FIRST Select
Lifetime free with never-expiring points and a 10x rate above ₹20,000 monthly spend.
Up to 10x reward pointsLounge access
Annual fee
Lifetime free
HDFC Bank
Data verifiedHDFC MoneyBack+
Low-fee starter card with 10x CashPoints on Amazon, Flipkart, Swiggy, BigBasket and Reliance Smart.
10x on select merchants
Annual fee
₹500 + GST
Ready to apply for the Amazon Pay ICICI Credit Card?
Takes under a minute. We hand you off to ICICI Bank's official secure application — no middlemen, no data resold.