Amazon Pay ICICI Credit Card 2023

Friends, in this video,

we will discuss ICICI Bank Amazon Pay Credit Card.

This is such a Credit Card

which you can get for free for a lifetime on today's date.

That means you won't have to pay

any money to the bank for this Credit Card.

But along with the Credit Card, which we will discuss,

I will talk about another Credit Card as well.

So that, we can get a better comparison.

It's not like we are taking one Credit Card,

so, neither there will be no fun in the video

nor you will get things clear that

if this Credit Card is better or

we should take some other Credit Card as compared to it.

So on one side, we will take ICICI Bank Amazon Credit Card,

okay? Amazon Pay Credit Card and on the other hand,

we will take Axis Bank Flipkart Credit Card. Okay?

Our main focus will be on the Amazon Credit Card of ICICI Bank.

But you should know the features of this,

then only, we can have a better understanding about this Credit Card.

Now, why did I take these two Credit Cards only?

Because on today's date, these two are such types of Credit Cards

which you can get either ICICI Bank Amazon Credit Card

or Axis Bank Flipkart Credit Card from someone.

That means, you can get any one of these Credit Cards almost from everyone.

And except this, if someone wants another...

that means, suppose, someone wants to have two Credit Cards.

Okay? Someone has two Credit Cards.

So among those, the second one can be from any other company.

But one of those must be any of these two.

Because these Credit Cards are so amazing.

There are no better Credit Cards than these two.

You can believe this. Okay?

Now generally speaking,

the Amazon Credit Card from ICICI Bank, which we are discussing in this video,

says that I will give you a 5% cashback directly

if you purchase a product from Amazon.

Okay? And the Flipkart Credit Card says that

I will give you a 5% cashback directly

if you purchase a product either from Flipkart or from Myntra.

Axis Bank Flipkart used to say this before,

but recently, the cashback from Myntra has been reduced to 1.5% from 5%.

And in Flipkart, if you purchase any product using an Axis Bank Credit Card,

then you will get 5% cashback.

But in this case, also, there have been made reductions in two things

that if you make flight or hotel bookings,

then you won't get 5% in this case from Flipkart.

In this case, you will get only 1.5% cashback.

Otherwise, you will get 5% cashback on any product you purchase from Flipkart.

Okay? Now, You understand it carefully,

then we will see which one is better. Okay?

The fee for this Credit Card is 500 rupees. On the other hand,

the fee for the Amazon Credit Card from ICICI Bank is free for a lifetime.

That means they say that this Credit Card is for free.

But here, the thing is that if you...

One second. Let me confirm for once.

The fee for the prime is 1499 rupees. Okay.

Now here, I am telling you that though the Credit Card is free for a lifetime,

but that's what I am telling if you pay 1499 rupees annually,

then only, it will be beneficial to take this Credit Card,

otherwise, it doesn't have any such benefits.

Now, why am I saying so?

Now, you have understood this. Let's keep this aside for once.

Now, let's start understanding Amazon Pay Credit Card from ICICI Bank. Okay?

Now, this Amazon Pay Credit Card from ICICI Bank says that

you will get 5% cashback.

Okay. One more thing.

One more thing, you should consider here carefully

that the product... I mean if I take three things,

on one side, Amazon for shopping, on the other hand, Flipkart

and on the other side, Myntra.

Okay? Everyone knows that Flipkart is far better than Myntra.

Okay? And the same way, Amazon is far better than Flipkart.

Because you suppose that the product you get on Flipkart

will definitely be available on Amazon.

But a lot of products are there,

which are available on Amazon only and not on Flipkart.

So, you have to keep this thing in mind that

there is nothing better than Amazon at this point of time.

That means if we even talk about Flipkart,

then, every product is not available on Flipkart.

But, this is also a very important factor that

than the FlipKart Credit Card from Axis Bank, I consider

the Amazon Pay Credit Card from ICICI Bank is better.

Now, let's start understanding the features of this.

The first feature is that you will get 5% cashback directly

if you purchase any product from Amazon.

But the condition for this is that you must have an Amazon Prime membership.

If you don't have an Amazon Prime membership,

so in that case, if you purchase any product from Amazon,

then you will get only 3% cashback.

Now, what is Amazon Prime?

Now see, more than half of the people must have known

but please keep some patience who already know.

Because many people don't know. Okay?

Now, what is Amazon Prime?

Amazon Prime is an OTT platform where we can watch movies.

So, in some way, you get everything there that watch some movies,

and if we also talk about movies, then no matter if you take Netflix,

if you take Disney+ Hotstar or any other like Eros Now,

if you take other OTT platforms,

Amazon Prime is far better than all of those.

So, even if people don't have Credit Cards,

then also, they definitely take the subscription to Amazon Prime.

Now, a subscription to Amazon Prime costs 1499 rupees annually. Okay?

So, this membership... if you are an Amazon Prime member,

then only, you will get a 5% cashback

if you purchase any product by visiting Amazon. Okay?

If you purchase an Amazon Prime membership,

on one side, you will get the OTT platform.

Okay? Where you can watch the movies.

Along with that, if you purchase any product from Amazon...

I have taken four screenshots for you. So that you can understand it. Okay?

Along with that, if you have an Amazon Prime membership

and you purchase any product using this Credit Card,

then, in this case, the delivery charges for ordering a product becomes zero. Okay?

In the same way, it is written over here in big fonts that

you will start getting 5% cashback.

Because if you don't have this Prime membership,

then you will get 3% cashback for non-prime members.

For the rest, you will get Prime Reading.

You will get books for Reading and access to Prime Music.

So basically, these are the four screenshots.

So, this is our overall Amazon Prime.

Okay? So, I will have to take its subscription which is Rs. 1499.

Okay? Now, it's your decision. You can take it monthly.

The monthly fee is Rs. 299 and you will get a trial for 1 month.

You only need to have Amazon Subscription.

That means if you have Credit Card and you also have Amazon Subscription,

then there's no problem.

That means, let's suppose, that you have this Credit Card.

Okay? And, you want to purchase any product using this Credit Card,

but always remember that you can't use any other person's subscription.

The name which is there on the Credit Card

should only be used to purchase the subscription.

Then only, you will get all the cashback.

Okay? There's another thing that they offer a free trial for 30 days.

So, you keep your trials carefully.

Using which name you have ordered the Credit Card,

keep the trial unused with that name,

so that you can take 5% cashback at least for 30 days,

for, suppose, you want to do some shopping any day.

Okay? So, these all are the things. So, if you pay 1499 rupees annually,

then only, there will be fun to take this Credit Card

that you can get 5% cashback.

Okay. So, the 5% cashback we are getting,

this also has some terms and conditions.

The first term and condition is

that whatever I order from Amazon, let's suppose, I have ordered a mobile phone.

Okay? The value of the mobile phone was Rs. 1000.

Okay? Let's suppose, it was 10000 rupees.

If we take 5% of it, the result will be 500 rupees.

Okay? I should get cashback for this much amount. But suppose,

if I order the purchased product on EMI, then I won't get any cashback.

Let's forget 5%, I won't even get 1%.

Let's suppose, I have made a down payment for this at first,

now, I have made a down payment using the Credit Card.

I have also received the phone.

After receiving the phone, I say that make an EMI for the payment of my phone.

So in that case also, you won't get any cashback.

Okay? Whenever you will make an EMI, may it be at first or later,

if you make an EMI for your product, then you won't get any cashback. Okay?

Okay, after that, you must have noticed one thing that

someone visits individually on Amazon.in

Okay? So, he visits and makes any transactions,

then he gets logged in. Okay?

There's another thing that business accounts get opened in Amazon.in

The benefit of the business account is that

suppose, you have bought a mobile phone.

There is a GST of 18% charged on it.

So, the GST gets waived off in the case of the business ones.

They get input costs for that GST.

So, if you have a business account,

then in that case also, you won't get any cashback.

No matter, how much time you keep making payments using Amazon Credit Card.

You won't get any cashback. Okay? Besides that,

I have told you the comparison between

ICICI Bank Amazon Pay Credit Card and Axis Bank Flipkart Credit Card

I have told you that they have reduced it to 1.5% from 5% on Myntra.

And you can still get 5% cashback on Flipkart but

on the booking of flights and hotels only, they have set the cashback to 1.5%.

But if I talk about Amazon Credit card from ICICI Bank,

then in that case, whether you make a booking of a flight or a hotel,

in this case, you will still get a total cashback of 5%.

That means the people who travel very frequently,

they will definitely need a flight and hotel.

So for them, Amazon Credit Card is far better than Axis Flipkart Credit Card. Okay?

Okay. If we talk more about Amazon Credit Card,

then we have seen two features.

One is the 5% cashback and another one we have seen is the 3% cashback.

Besides that, it says that you will get 2% cashback,

if you make any transaction on Amazon Pay.

Now, what is Amazon Pay? See, what have we discussed till now? Prime.

I have shown you the screenshots for the Prime,

that you must have a subscription to Amazon Prime.

In the same way, there's another thing...

when you will download the Amazon application,

you can see all of those there. Okay?

A similar kind of thing is Amazon Pay.

Amazon Pay is quite similar to Paytm which you use.

If you want to send money to anyone, you scan it.

You can send money from here. Okay?

If a bill needs to be paid,

Electricity bill, mobile bill. You can pay all of the bills.

Okay. You can also send Gift Card to someone.

Nowadays, Gift Cards are very... something like, suppose,

it's someone's birthday, you generate a Gift Card from here,

and send it to someone, suppose, 2000 rupees, according to yourself,

you can generate a Gift Card of Rs. 10 or 2000.

Suppose, you have generated a Gift Card of Rs. 2000 to someone,

it will be written 'Happy Birthday' on it. Okay?

This Gift Card will get generated.

You will send it to the person on WhatsApp.

What will that person do? He will redeem it.

And the balance, to whom you have sent it,

will get credited into that person's Amazon wallet.

So, this is very trending. If you send this Gift Card to someone,

suppose, it's someone's birthday and you have sent a Gift Card of Rs. 2000 to him,

then in that case also, you will get 2% cashback.

That means you will get 2% cashback for every transaction made on Amazon Pay.

Okay, there's one more thing. Here, on Amazon Pay,

though flight and hotel parts of Amazon Pay,

you won't get 2% cashback on these.

You will get 5% cashback on these two. Okay?

This is clearly written that you will get 5% cashback only.

Okay? This is our third feature.

And our fourth feature says that...

You leave all these things. If suppose, you are an Amazon Prime member,

then let's keep Amazon aside. Okay?

If you are a Non-Prime member, then also you will get cashback from Amazon only.

That means, let's keep Amazon and Amazon Pay aside.

Except that, if you purchase any product from anywhere,

then you will get 1% cashback.

Now, another good thing about this Credit Card is that there is no capping.

No matter, if you have purchased products of Rs. 1 cr and

if you are a Prime member,

then you will get 5% cashback of Rs. 5 lakhs.

It's not like you get a maximum cashback of Rs. 10000 or Rs. 5000.

There's no upper capping.

No matter how many products you are ordering,

you will definitely get a cashback. Okay?

Except that, dining benefits.

The places where the bank has a tie-up, there you will get 15% cashback,

And we will get a 1% fuel Surcharge waiver from the side of ICICI Bank.

Okay? So, these all were our features.

So, there are only two amazing Credit Cards.

One is an Amazon Credit Card from ICICI Bank and

another one is a Flipkart Credit Card from Axis Bank. Okay?

Now here, if I talk about the conclusion, then

see, Flipkart Credit Card is very good in its aspects.

But the Amazon Credit Card from ICICI Bank

is better than that. But there comes another thing which is

the fee for Axis Bank Flipkart Credit Card is 500 rupees and

fee for this, I would say to assume is 1499 rupees only,

if you want to get the best benefit out of it.

In some way, you will get it for free for a lifetime.

Okay? But until you purchase an Amazon Prime membership,

you can't get the best benefit out of this Credit Card.

So, I have shown you the whole picture,

so that, you don't get into any trap

like, this is free for a lifetime, so, this is better than this anyhow.

See, there's a difference regarding fees. Okay? And I mean,

until you purchase a Prime membership, you can't get the best use out of it.

So for the rest, you have everything in front of you.

But if you still have any doubts,

then you can ask me in the comment section below.

For now, this is the end of the video.

Thanks for listening and thank you all.