Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
Amazon Pay ICICI Bank Credit Card Gold, Silver & Jewelry Purchases Rewards: Exclusions & High-Yield Alternatives
Did you know Amazon Pay ICICI Bank Credit Card earns 0% rewards on Gold, Silver & Jewelry Purchases? See exact lost rewards and discover why switching to SBI Cashback Credit Card yields ₹0/year instead.
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Estimate Gold, Silver & Jewelry Purchases Rewards
Simulate monthly spends to check cashback caps, 0% exclusion traps, and competitor switches.
0% MITC Exclusion TrapBank Discretionary Exclusion Policy
Amazon Pay ICICI Bank Credit Card earns exactly 0.0% rewards on Gold, Silver & Jewelry Purchases. Spending ₹30,000/month on this card yields ₹0 cashback!
Recommended Alternative Card:
Apply for SBI Instead →SBI Cashback Credit Card (0% Cashback)
Earns +₹0/year on ₹30,000/mo Gold, Silver & Jewelry Purchases spend
₹30,000
₹1,000/mo₹50,000/mo₹1,00,000/mo
Monthly Cashback₹00% Reward Exclusion
Annual Projected Cashback₹0on ₹3,60,000/yr spend
Monthly Cap SaturationExcludedNo ceiling
Spend Tier Simulations for Gold, Silver & Jewelry Purchases
| Monthly Spend | Annual Spend | Monthly Cashback | Annual Cashback | Effective Fee | Net Annual Benefit |
|---|---|---|---|---|---|
| ₹15,000 | ₹1,80,000 | ₹0 | ₹0 | ₹0 | +₹0 |
| ₹30,000 | ₹3,60,000 | ₹0 | ₹0 | ₹0 | +₹0 |
| ₹50,000 | ₹6,00,000 | ₹0 | ₹0 | ₹0 | +₹0 |
| ₹75,000 | ₹9,00,000 | ₹0 | ₹0 | ₹0 | +₹0 |
| ₹1,00,000 | ₹12,00,000 | ₹0 | ₹0 | ₹0 | +₹0 |
| ₹1,50,000 | ₹18,00,000 | ₹0 | ₹0 | ₹0 | +₹0 |
| ₹2,00,000 | ₹24,00,000 | ₹0 | ₹0 | ₹0 | +₹0 |
Frequently Asked Questions
What reward rate does Amazon Pay ICICI Bank Credit Card earn on Gold, Silver & Jewelry Purchases?▼
Amazon Pay ICICI Bank Credit Card earns exactly 0.0% on Gold, Silver & Jewelry Purchases, as this category is explicitly excluded by the bank's MITC terms.
What is the monthly cap for Gold, Silver & Jewelry Purchases on Amazon Pay ICICI Bank Credit Card?▼
Amazon Pay ICICI Bank Credit Card completely excludes this category from rewards.
Which alternative card is best for Gold, Silver & Jewelry Purchases?▼
The #1 recommended alternative is SBI Cashback Credit Card, offering a 0.0% reward rate delivering ₹0 net annual value at ₹50,000/month spend.
How much cashback do I lose at ₹50,000 monthly spend with Amazon Pay ICICI Bank Credit Card?▼
Spending ₹50,000/month purely on Gold, Silver & Jewelry Purchases yields ₹0 with Amazon Pay ICICI Bank Credit Card, resulting in ₹0/year in missed rewards compared to SBI Cashback Credit Card.