Hi everyone,
I’m considering applying for the Amazon Pay ICICI Credit Card and would appreciate any insights or advice based on your experiences.
Here’s a quick overview of my financial background and what I’m looking for:
Personal & Financial Info
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Age: 21
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Employment Status: Employed
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Monthly Income: ₹15,000
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This would be my first credit card or loan.
Monthly Expenses
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₹10,000 – Support to family
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₹3,000 – Recurring Deposits (RDs)
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₹448 – Mobile bill
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₹470 – Wi-Fi
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Remaining balance – Personal/discretionary spending
Credit Card Preferences
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No annual fee
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No-cost EMI options
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Cashback on Amazon purchases (non-Prime user)
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Simple and beginner-friendly usage
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No interest in lounge access
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Priority on transparency and low fees
Why I’m Considering Amazon Pay ICICI Card
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3% cashback on Amazon (for non-Prime members)
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Easy EMI conversion for larger purchases
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No annual or joining fee
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Planning to use it primarily for Amazon and EMI spends
Questions for the Community
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How do you manage card inactivity after a few months of use (e.g., after 6 months if I stop using it actively)?
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Are there any hidden charges or fees I should be aware of, especially once the card becomes inactive?
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Any tips or hacks to maximize cashback or benefits from this card?
Would love to hear your thoughts, tips, or red flags to watch out for. Thank you in advance!
