u/0SpaceTime

Hey everyone,

I have an Amazon Pay ICICI credit card with a ₹1.1 lakh limit, and I’m planning a purchase worth around ₹2.3 lakh.

I already have the full ₹2.3 lakh in my account — not trying to use credit, just want to maximize the cashback (~₹12k).

I wanted to check:

• Can I overpay / add money to the card and then make a purchase above my limit?

• Are there any over-limit charges if I do this?

• Will the transaction go through smoothly or is there a high chance of decline?

• Any issues with refunds if something goes wrong?

Would really appreciate inputs from anyone who has tried this with Amazon Pay ICICI.

Thanks!

Hey everyone,

I have an Amazon Pay ICICI credit card with a ₹1.1 lakh limit, and I’m planning a purchase worth around ₹2.3 lakh.

I already have the full ₹2.3 lakh in my account — not trying to use credit, just want to maximize the cashback (~₹11k).

I wanted to check:

• Can I overpay / add money to the card and then make a purchase above my limit?
• Are there any over-limit charges if I do this?
• Will the transaction go through smoothly or is there a high chance of decline?
• Any issues with refunds if something goes wrong?

Would really appreciate inputs from anyone who has tried this with Amazon Pay ICICI.

Thanks!

Someone managed to do it, please refer this.

https://www.reddit.com/r/CreditCardsIndia/s/h4puhb0IKz