CardAgent

Best credit cards for Amazon India (2026)

These credit cards give the highest effective reward rate on Amazon.in purchases in India, after factoring point value, category caps, and the joining/annual fee.

  1. 1
    American Express
    American Express Gold Card
    25% on AmazonCap ₹1,000/mo₹5,310/yr incl. GST
    Secure flat 1,000 Bonus MR points dynamically running simply 6 transactions crossing Rs 1,000 vertically
    45
  2. 2
    Yes Bank
    Yes Prosperity Titanium Debit Card
    20% on AmazonCap ₹250/mo₹471/yr incl. GST
    Periodic cashback windows for online groceries linked heavily on promotional events
    25
  3. 3
    IDFC First Bank
    IDFC First Platinum Debit Card
    10% on AmazonCap ₹250/moLifetime free
    10% cashback on movie tickets booked via Paytm Movies
    29
  4. 4
    HDFC Bank
    Swiggy HDFC Bank Credit Card
    5% on AmazonCap ₹1,000/mo₹590/yr incl. GST
    5% on other online
    88
  5. 5
    Axis Bank
    Axis Bank Cashback Credit Card
    5% on AmazonCap ₹4,000/mo₹1,180/yr incl. GST
    Tiered online cashback: 2% on first ₹5k, 5% on next ₹35k, 7% above ₹40k; max ₹4,000/statement. Approximated at 5% with ₹4,000 monthly cap.
    58
  6. 6
    HDFC Bank
    HDFC Pixel Play Credit Card
    5% on Amazon₹590/yr incl. GST
    53
  7. 7
    HDFC Bank
    Millennia Credit Card
    5% on AmazonCap ₹1,000/mo₹1,180/yr incl. GST
    5% on Amazon/Flipkart/Swiggy/Zomato capped Rs 1000/mo
    53
  8. 8
    SBI Card
    Cashback SBI Card
    5% on AmazonCap ₹5,000/mo₹1,179/yr incl. GST
    5% cashback on all online spends
    53

How we rank

We compute an effective % back for each card's Amazon reward rule as rate × point value, cap-aware, and rank by that number. Ties are broken by the CardAgent overall score, which weighs reward value (70%), fee efficiency (12%), redemption flexibility (9%), and perks (9%). All fees are shown inclusive of 18% GST. See methodology and full catalog.

FAQ

Which is the best credit card for Amazon Pay purchases?

The Amazon Pay ICICI Bank credit card gives 5% back to Prime members on Amazon.in, 3% to non-Prime — highest for pure Amazon spend with no cap and no joining fee.

Are Amazon rewards capped?

Amazon Pay ICICI has no cap on Amazon spend, but most co-branded and generic online cards cap monthly rewards between ₹500 and ₹2,000. Always check the cap column above.

Do these rates apply to Amazon Pay wallet loads?

Usually no — wallet loads, gift-card purchases, and EMI transactions are typically excluded from accelerated rewards.

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