So, Today we are discussing how to get cash from credit cards & how earning money from credit cards in India can help anyone be financially independent. Credit cards can be a great tool to get money from credit cards.
Amazed? You may be thinking about how credit cards can be helpful for earn money back. Everyone is using credit cards for spending, but can we make money using credit cards?
Here is the hack.
Today I will tell you how & best credit card to earn money back.
So, first thing first. Before going forward on how you can earn cashback from credit cards & how credit cards can be helpful to become a crorepati, you need a credit card.
Table of Contents
Which credit card should you apply for to get cash from credit cards?
1) Credit cards should be lifetime free or should have min yearly charges.
2) If credit cards have some yearly charges, then a provision should be there to waive off yearly costs if annual spending exceeds some amount.
3) Credit cards should have a good offer of cashback or discount offer to get cashback on transactions from credit cards.
4) Add-on cards & joining fees should be free.
Now you can understand what types of get cash credit cards I am trying to suggest to make money using a credit card. In simple words, the credit cards have lower the expense & have some earning potential; you should apply or avail these types of credit cards.
AMAZON Pay ICICI Bank Life Time Free Credit card is one of the get cash credit cards with bare min expense & has some earning potential. This credit has become popular after the release of the credit card in collaboration with Amazon India & ICICI bank in 2018. You can understand the popularity of the credit card among all Indian citizens by its milestone. After the official release of this credit card, It crosses the 1 Million milestones within 2018 & it has made this credit card the fastest in India to cross the 1 Million mark. The reasons behind this fantastic milestone achieved by Amazon Pay ICICI bank credit card are mentioned below.
- Any Indian citizen can apply for this card.
- This credit card is a lifetime free credit card.
- It will be easier to get this card if you have an amazon India account & if you are a regular customer of Amazon.
- You can apply for this credit card if you are not an ICICI bank registered customer.
So, First we are discussing how you can avail the AMAZON Pay ICICI Bank Life Time Free Credit card & then we will let you know how this card can be helpful for your crorepati journey.
ICICI bank will open an ICICI bank account; if you are approved for the credit card & you will be able to login to ICICI Bank Internet banking & check the credit card details.
Features to Get Cash from Amazon Pay ICICI Bank Credit Card:
- There are some good benefits of this credit card is that you can earn money from a credit card in India. One of the most impressive features of this credit card is a lifetime free credit card. You neither have to pay any cost in applying for this card nor have to pay any types of yearly charges to avail of this credit card.
- You can earn unlimited reward points & cashback by spending through this card as per the card rules. Here are some cashback & rewards you will get by using this credit card.
- You can earn 5% cashback for shopping on the Amazon India website for Amazon Prime members and 3% cashback on the Amazon India website for all other customers (Without prime members). Amazon made this type of strategy to get more Prime members to avail 2% extra back on their spendings.
- You can get 2% back for any types of spending on digital categories on the Amazon India website like bill payments, recharges, payments to Amazon Payment Balance, Travel Ticket and Movie Tickets bookings, etc. Also, there is a lot more option adding day by day by in amazon pay where you can do transaction & get 2% unlimited cash back, but this cashback will store into your amazon pay wallet & it will not be credited to your credit card. You can always use this balance to use other many types of transactions like Mobile, DTH recharge, or pay through scanning QR code, etc.
- In addition to all the benefits I have mentioned, You will get 1% back in your account by doing transactions anywhere where Visa cards are accepted. Customers also get a fuel surcharge waiver and no-cost EMI options for any extensive selection on amazon India websites. Also, at the Amazon Great India festival, Amazon offers up 10% cashback or discount offer for this credit card, which can purchase on the Amazon India website at Amazon Great India Festival. Also, there will be no earnings on fuel, EMI transactions, and gold purchases to let you know.
- Here to clarify that somewhere you will see rewards points instead of a direct cashback offer. Here One reward point is equal to one rupee applicable for Amazon Pay ICICI credit card & There is absolutely no upper limit for reward points or cashback you can earn in this credit card. There is no validity of earned reward points and can be redeemed through purchasing any product through the Amazon India website.
How to Apply & Get Instant Approval for Amazon Pay ICICI Bank Credit Card:
First of all, I am sharing the basic rules of applying for an Amazon Pay ICICI bank lifetime free credit card. Any Indian citizen willing to apply for this credit card can apply through the Amazon India website. Amazon India & ICICI bank claims that all the processes will be done in a paperless way. The bank will send you the physical credit card to the customer within a few days through any reputable courier services.
Steps to apply for an Amazon Pay ICICI Bank Credit Card –
Step 1:- Visit www.amazon.in/cbcc/marketpage (You need to login in amazon India website through your login Id & Password). If you are login through your laptop or computer, you may get a notification in your registered mobile number or registered mobile handset for security reasons. You need to tap on the allow button, or if you have received any link through SMS, you have to open the link & click on allow login. Then only will you be able to log in to your Amazon account through your laptop or desktop.)
Step 2:- After successful login, you will be able to see the Amazon Pay credit card pay & there will be an option to apply for the credit card. You need to fill up some basic details like Aadhar card Number, PAN Card number, name, address, age, etc. After that, you may need to verify your account with Aadhar based OTP system.
Step 3:- After successfully applying for the credit card, you will be able to see two options for KYC verification (Know Your Customer Verification). This is a must to approve your amazon pay credit card. There are two options for KYC – Video KYC verification & In-person KYC verification.
Step 4:- If you choose In-person KYC, you have to wait for min 5 to 7 days to visit the ICICI bank representative to visit your home & complete the KYC. You will need the below documents for In-person KYC verification.
i. Any government-issued address proof like Aadhaar Card /Driving license / Passport or Voter ID card.
ii. PAN card (only if your full Date of Birth is not mentioned on your Aadhaar card).
iii. Your Income Documents like Latest Salary Slips, 3-month bank statements (for salaried).
Latest ITR with income computation statement (for self-employed). This is a must because the credit limit depends on the income proof documents you have submitted in time of KYC.
Step 5: If you have chosen VIDEO KYC, it can be done through your mobile phone or laptop, or desktop. You can select your preferred time for video KYC within official bank timings. You need to wait min 5 mins to 15 to 20 mins to connect to the ICICI bank representative through a video call.
Step 6:- Then the ICICI bank representative will ask you to share your location & share your location in the time of video KYC & the current location address should match what you have mentioned when applying for the credit card. If the current location & the address you have mentioned during applying for the credit card are not matched, you may not get approval for the credit card.
Step 7:- You need to keep ready your physical PAN card & paper & pen with you during the video call with the ICICI representative & always stay in good lighting condition. Because they will take a picture of your PAN card through video call & you, need to do a signature in the plain white paper & they will also take a picture of your signature. That’s the process of VIDEO KYC to get an ICICI bank Amazon Pay lifetime credit card. After this process, you need to wait min 1 week to 10 days for approval & check the status on the Amazon India website.
Step 8:- If everything goes well, you will receive your amazon pay credit card at your home address with 10 to 15 days of applying. Please note that some valid govt IDs are required to show the courier delivery boy to confirm your identity. In my case, the credit card is despatched through Bluedart courier & I have shown my Aadhar card to the courier delivery boy to receive the credit card.
Please note that sometimes, a courier delivery boy may call you to check & confirm your location. If you fail to verify your location, then the courier delivery boy may reject your delivery & return your credit card to the ICICI bank officials. So, please be alert when it’s time to deliver your card to your home.
How I Got Approval for Amazon Pay ICICI Credit Card without Salary Slip or Income Documents:
I have already mentioned the official process of how you can apply for the ICICI bank lifetime free credit card & this card is one of the best credit cards to earn money back. Now I am sharing my personal experience: How can I get the lifetime free credit card from ICICI bank without sharing my Income proof with ICICI bank. Personally say, ICICI bank has not asked me to share my salary slip or any other income documents. Still, they have confirmed my original employment by sending an email to my official id & I need to share my PAN card details from my official id. That is the way they have confirmed my employment.

1.5 years back, I got a first credit card from Axis bank by sharing my all original last 3 months salary slips & other documents required. Thanks to Axis bank, I need a credit card urgently & Axis bank helped me by providing Axis bank MY ZONE credit card. Within 2 months, IndusInd Bank helped me by approving IndusInd Bank – Platinum Aura Credit Card, a lifetime free credit card from IndusInd Bank.
Let’s come to Today, How I have got my ICICI bank lifetime free credit card without sharing any types of income documents. Actually, In the past 1 year, I have bought a DSLR – Canon 200D & its costs approx 55 thousand to me. I paid all the money from my Axis bank MY ZONE credit card & converted the spent amount into 12 months EMI. I have paid all the EMIs on time & which increased my CIBIL score to 805. Cibil score of 805 is considered an excellent credit score. If you have a credit score between 780 to 900, you will be regarded as a perfect cibil score & this increases your chances of getting instant approval for different types of credit cards & loans. That is the only reason why I got instant approval for an ICICI bank lifetime free Amazon credit card without sharing any salary slip or ITR return copy or any income documents.
My personal experience on How to increase CIBIL score or credit score:
Here I am sharing my personal experience of increasing your CIBIL or credit score & getting instant approval for any types of credit cards & loans from any banks. Here is one screenshot about the credit score considered Excellent, Good, Average & poor.

You probably understood that what your CIBIL score means what your credit score status is by this screenshot. Before approving anyone for any credit cards or any loans, Banks check your credit score & It gives banks an idea about your financial conditions & finance habits.
By telling, Finance habit, I mean to say that how you are paying your dues like credit card bills or due loan amounts (If you have any). Taking any small loans or having any credit card & using credit cards for EMIs is also suitable for increasing your CIBIL credit score. The only thing you have to keep in your mind is not to miss the last date of paying your dues. If you fail to pay your dues on time, It directly affects your credit score and calls you extra charges.
Factors Impacting Your Credit or CIBIL Score:
Credit Card Utilization (High Impact): It is one of the very high factors for increasing or decreasing your credit score. You should not take this factor lightly what that means by Credit Card Utilization.
Suppose you have a credit card with a 50,000/- limit per month & you are utilizing your limit more than 75% every month. Then it will affect to decrease your credit score. You should know that using a high percentage of your credit limit does not look good to the bank’s eye. It shows the bank that you are highly dependent on your credit card & your cash flow may not look good throughout the month.
There are some possible ideas; implementing these ideas will affect your credit score positively & help you increase your CIBIL score.
- Reduce using your credit card up to a high % of the limit.
- Request your bank to increase your credit card limit.
- Always pay your dues before the last date & this will help you improve your credit card limit.
- Apply for another bank credit card by showing the current credit card’s statement. It will increase your overall credit limit & you can use your credit card as per your choice.
Payment History (High Impact): As I told you earlier, payment history has a massive role in increasing or decreasing your CIBIL score. You have to pay your due bills before the due date to improve & maintain your credit score high.
Age of Accounts (Medium Impact): How long you are associated with any bank. It has some medium impact on increasing or decreasing your credit score. If you frequently change your banks & credit cards, it’s not good for your credit score. Every bank wants long-term orientation with its customers.
Total Accounts (Low Impact): How many bank accounts you are holding or how many credit cards you are using has some low impact on increasing or decreasing your credit score. You should not have many credit cards or so many bank accounts to maintain a good CIBIL score.
Credit Enquiries (Low Impact): How many times you are enquiring for credit cards or loans from differents banks has some low impact on your CIBIL score. If you need any loans or credit cards, you can make inquiries in different banks & different branches, but too many are not suitable for your credit score.
I have collaborated on all the reasons which are affecting your credit score. Also, I can suggest to you from my personal experience that tries to maintain a balance in your financial life. It’s not sound like too many or too low factors of the reasons mentioned above.
How Amazon Pay ICICI Credit Card is Helpful for my Crorepati Journey?
Earning Through Cashback or Freebies:
You may have already understood why I suggest you have this credit card as this credit card will help you earn cashback. However, using credit cards is an art. If you can not control your spending, which is a significant habit to become a crorepati, then credit cards are not for you. And you have control over your spendings; then you can earn a good amount of extra cashback by using these types of credit cards. So, usually, you are spending less to get something where others are paying more than you by not using the credit cards. Also, Nowadays, every credit card either provide cashback or gives points that can be redeemed as a gift coupon or any other things—this way, you also earn a good amount of money.
Earning Through Short Term Investment:
This can be one of the new ideas you will read on earning some extra money from your credit cards.
We all know that we got a total of 50 days to pay credit cards bill. Let’s assume you have spent Rs. Ten thousand on the first day of your billing cycle & up to 50 days, you don’t have to pay any charges.
So, the idea is you can always make a short term investment of an amount from your credit card as per your choice & before 50 days, your withdrawal that money & paid the amount to your credit card. So within these 50 days of short term investment, you may be getting minimal returns. It may be 0.5% or 1%. Whatever the amount you are getting is free money. And free money is always good. If you can get only 1% every month from your credit card, then it’s 12% in a year. If your credit limit is high & you invest 1 lakh every month & get 1% every month, you get Rs—12000 as free money.
You are improving your credit score – When you are spending on credit card & you pay your credit cards bill on time, as I told earlier every time your credit score increases. And this helps you in future to get any types of loan quickly from any private or govt banks.
Also, you can use CRED to make payment of all your credit cards bill. There are a lot more benefits of using Cred. But one of the major attractions is if you pay your credit card bill by using CRED, you will get a good amount of cashback from Cred, which will also be credited to your credit cards.
Every time you choose Cred to pay your credit card bills, you will earn something extra time. So this is also a win-win situation for cred users.
Conclusion / Last Words – How to get a cash credit card?
Just don’t crazy about the different credit cards offer or Bank loans. Banks are selecting candidates who have good CIBIL scores & offering you good high-value credit cards or loans. As per my personal experience, we usually spend more when we have credit cards than when we are using debit cards or cash. Banks offer high-value credit cards for the only reason that they want you to spend more & fail to pay the bill on time. If you once fail to pay your dues on time, banks put high charges on the dues & which directly affects your credit score. That’s how do banks earn money from credit cards. If any bank has approved you a high-value credit card or loan, that not means that they are doing good with you; instead, they have identified a good source of income through you & found out the way credit card companies earn money. So, try to maintain your spending & enjoy your life.
If you can maintain your spending then credit cards can able to earn good cashback from credit cards. So, about credit cards, my final verdict is credit card is a brilliant thing to have provided you pay the entire amount in full. That is the key. Make the credit card work for you instead of other way round. Happy Credit Card journey.
If you have any questions related to ICICI bank Amazon Pay credit card or any types of credit card related issue, comment below & we will try our best to solve your queries. If you have reached this portion of the article, then share with your friends & families who are willing to get this type of credit card.