Amazon Pay

Amazon Pay works as both a wallet (balance you load) and a payment option (pay with UPI or linked card). For RupeeRoll readers, the game is: when to use Amazon Pay balance, when to pay with a card directly, and how to earn the most on Amazon and on other sites that accept Amazon Pay.

Earning Amazon Pay balance

You earn Amazon Pay balance (cashback) when:

• You use an ICICI Amazon Pay Credit Card on Amazon — typically 1–5% back as Amazon Pay balance depending on category.
• You use Amazon Pay UPI or Amazon Pay at partner merchants (recharges, bills, etc.) during campaigns.
• You get promotional cashback from Amazon (e.g. "Get ₹50 back on first bill pay").

Balance shows in your Amazon Pay wallet and can be used for future Amazon purchases or at third-party sites that accept Amazon Pay.

Stacking with credit cards

• On Amazon: Pay with a card that gives high rewards on e-commerce (e.g. 5% cashback). The reward is from the card; you're not "stacking" with Amazon Pay balance in the same transaction — you either use balance or card.
• Off Amazon: Many sites (e.g. utility billers, recharges) accept "Amazon Pay" at checkout. You can often pay via Amazon Pay balance (no card) or link a card and pay through Amazon Pay. If you pay with a linked card, you may earn card rewards plus any Amazon Pay offer. Check the payment screen.
• ICICI Amazon Pay card + Amazon: Use this card on Amazon to get reward points that convert to Amazon Pay balance. Best card for Amazon shopping if you don't have a flat 5% card.

When Amazon Pay makes sense

• Use Amazon Pay balance when: You already have balance (from past cashback) and the merchant accepts it. No point leaving balance idle.
• Use a rewards card via Amazon Pay when: The site accepts Amazon Pay and your card gives good rewards; you may also get an Amazon Pay offer.
• Use card directly (not via Amazon Pay) when: The merchant doesn't support Amazon Pay or your card's direct reward is better and there's no Amazon Pay offer.

Wallet loading

Loading Amazon Pay wallet with a credit card can attract convenience fees (typically 1–2%). Unless there's a load offer that beats the fee, prefer paying with a linked card at checkout instead of pre-loading. Make every rupee count.