Can I Still Apply for the Amazon Pay ICICI Bank Credit Card After Having an Existing ICICI Bank Card?

Yes, it is possible to apply for the Amazon Pay ICICI Bank Credit Card even if you already have another ICICI Bank credit card. Many people find it beneficial to have multiple credit cards from the same bank, as each card often comes with unique benefits and rewards. However, it's essential to manage these cards carefully to avoid any potential impacts on your credit score.

Impact on Your Existing Card

Applying for the Amazon Pay ICICI Bank Credit Card will not automatically result in the cancellation or deactivation of your existing ICICI Bank card. If you decide to close your old card later, you can do so by contacting ICICI Bank customer service. It's important to note that having multiple credit cards can affect your credit score, so it's wise to manage them responsibly to avoid any adverse effects.

Benefits and Drawbacks

If you frequently shop on Amazon, the Amazon Pay ICICI Bank Credit Card offers some advantages. However, it may not be as beneficial if you already have an ICICI Bank card with more substantial benefits. Furthermore, the combined limit of all your credit cards will apply, meaning you won't get a separate limit for the Amazon Pay card. If you are a Prime member, the benefits may be minimal, and you might find that your existing ICICI card offers more value.

Having Two ICICI Cards

Your old credit card will continue to function as normal. Now, you will have two ICICI Bank credit cards, both carrying the Amazon branding. This means you will receive separate bills for each card, and you will need to manage and pay each bill individually. While this arrangement provides flexibility, it can also complicate the payment process. Additionally, note that your overall credit limit will be shared across both cards, meaning your spending on one card will impact your available credit on the other.

Application Process

If you want to replace your existing card with the Amazon Pay ICICI Bank Credit Card, ICICI Bank will issue a new card to your existing account with the Amazon branding. This new card will essentially replace your current one without incurring additional fees, aside from the minimal cost of the new card.

The key takeaway is that you will have two functional cards from the same bank, each carrying the Amazon Pay branding. It's up to you to decide which card to use based on the specific rewards or benefits offered for each. By managing both cards judiciously, you can maximize your benefits and avoid any potential pitfalls.

For more information, do not hesitate to consult ICICI Bank's customer service or visit their official website. Managing multiple credit cards requires careful consideration, but with the right approach, you can enhance your financial benefits and rewards.

Thank you for exploring this option with us. If you have any further questions or need additional assistance, feel free to reach out.