Best Credit Cards for Amazon Shopping in India (2026)
Quick answer:
The best credit card for saving on Amazon in India is the Amazon Pay ICICI Credit Card, which is lifetime free and gives 5% cashback for Prime members (3% for non-Prime) on Amazon, with no cap. The best alternatives are the SBI Cashback Card (5% on all online spends, including Amazon) and the HDFC Millennia Card (5% on Amazon and popular brands, capped). Pair any of these cards with a CashKaro click-through to earn extra cashback on every order.
If you shop on Amazon regularly, the card you pay with quietly decides how much you save over a year. The right credit card turns everyday Amazon orders into 3–5% back, which on a serious annual spend is thousands of rupees you would otherwise leave on the table. The wrong card earns you almost nothing.
This guide covers the best credit cards for saving on Amazon shopping in India. You will also learn what each one earns, the fees and caps to watch, and how to stack card rewards with CashKaro cashback for the lowest final price.
Best Amazon Credit Cards at a Glance
| Credit Card | Amazon Reward | Annual Fee | Important Cap | Best For |
| Amazon Pay ICICI Credit Card | 5% for Prime members and 3% for non-Prime members on eligible Amazon shopping | Lifetime free | No overall Amazon shopping reward cap | Regular Amazon shoppers |
| SBI Cashback Card | 5% on eligible online spending | ₹999 plus taxes; waivable at ₹2 lakh | ₹2,000 online cashback per statement cycle | Heavy multi-site shoppers |
| HDFC Millennia Credit Card | 5% CashPoints on Amazon and selected brands | ₹1,000 plus taxes; waivable at ₹1 lakh | 1,000 CashPoints in the 5% category per calendar month | Moderate multi-brand spenders |
| Axis Bank ACE Credit Card | 1.5% on other eligible spending | ₹499 plus taxes; waivable above ₹2 lakh | Subject to card terms and exclusions | Everyday cashback |
1. Amazon Pay ICICI Credit Card: Best Overall for Amazon
The Amazon Pay ICICI Credit Card is designed specifically for Amazon shoppers. It has no joining fee or annual fee, making it suitable even if you do not use it every month.
Key Benefits
- 5% unlimited rewards on eligible Amazon shopping purchases for Prime members.
- 3% unlimited rewards on eligible Amazon shopping purchases for non-Prime members.
- 2% rewards on eligible Amazon Pay partner merchants and selected Amazon Pay categories.
- 1% rewards on other eligible spending.
- Rewards are automatically credited as an Amazon Pay balance.
- No joining fee or annual fee.
- Foreign currency markup of 1.99%.
The 5% and 3% rates do not apply to every transaction completed through Amazon. Gift cards, digital products, bill payments and certain Amazon Pay categories may earn a different rate. Transactions such as fuel, rent, tax payments, education payments, utilities and some other categories may not earn the standard 1% reward.
Because the Amazon shopping rewards are uncapped and the card has no annual fee, it remains the strongest option for people who shop mainly on Amazon.
Best for: Regular Amazon shoppers, particularly Prime members.
Check the official Amazon Pay ICICI Credit Card details.
2. SBI Cashback Card: Best for Shopping Across Multiple Websites
The SBI Cashback Card is useful for shoppers whose online spending is spread across Amazon, Flipkart, Myntra and other websites.
Key Benefits
- 5% cashback on eligible online transactions.
- 1% cashback on eligible offline transactions.
- Annual fee of ₹999 plus applicable taxes.
- Renewal fee waived when annual spending reaches ₹2 lakh.
From 1 April 2026, the cashback caps are:
- Maximum ₹2,000 online cashback per statement cycle.
- Maximum ₹2,000 offline cashback per statement cycle.
- Maximum ₹4,000 total cashback per statement cycle.
The 5% rate does not apply to every online transaction. Categories such as utility bills, insurance, fuel, rent, education, wallet loads, jewellery, railways, government payments, tolls and gaming transactions are excluded.
For eligible Amazon shopping purchases, the card can still provide 5% cashback. However, people with high monthly spending should monitor the ₹2,000 online cashback cap.
Best for: Shoppers who regularly buy from several online websites.
Check the SBI Cashback Card on CashKaro
3. HDFC Millennia Credit Card: Best for Moderate Multi-Brand Spending
The HDFC Millennia Credit Card rewards spending on Amazon and a selected list of popular brands.
Key Benefits
- 5% CashPoints on Amazon and selected partner brands.
- 1% CashPoints on other eligible spending.
- Joining and renewal fee of ₹1,000 plus applicable taxes.
- Renewal fee waived on annual spending of ₹1 lakh.
The card’s selected 5% brands include:
- Amazon
- Flipkart
- Myntra
- Swiggy
- Zomato
- Uber
- BookMyShow
- Tata CLiQ
- Sony LIV
- Cult.fit
The 5% reward category is capped at 1,000 CashPoints per calendar month. A separate cap of 1,000 CashPoints per calendar month applies to the 1% reward category.
At a 5% reward rate, the monthly cap is reached after approximately ₹20,000 of eligible spending across the selected partner brands.
This makes the card suitable for moderate spenders who want rewards beyond Amazon but are unlikely to cross the monthly limit.
Best for: Moderate spenders who shop across Amazon and selected lifestyle brands.
Check the HDFC Millennia Credit Card on CashKaro
4. Axis Bank ACE Credit Card: A Secondary Cashback Option
The Axis Bank ACE Credit Card is not an Amazon-specific card, but it can provide basic cashback on eligible Amazon purchases.
Key Benefits
- 5% cashback on eligible utility bill payments and mobile or DTH recharges made through Google Pay.
- 4% cashback on eligible transactions with Swiggy, Zomato and Ola.
- 1.5% cashback on other eligible spending.
- Joining fee of ₹499 plus applicable taxes.
- Renewal fee of ₹499 plus applicable taxes.
- Renewal fee waiver when annual eligible spending exceeds ₹2 lakh.
A regular eligible Amazon transaction would generally fall under the 1.5% cashback category. This is lower than the Amazon Pay ICICI, SBI Cashback and HDFC Millennia cards.
It is more useful as a secondary card for everyday spending than as the main card for Amazon shopping.
Best for: People who want basic cashback across different spending categories.
Check the Axis Bank ACE Credit Card on CashKaro
How to Choose the Right Credit Card for Amazon
Choose your card based on your actual shopping pattern.
- Select the Amazon Pay ICICI Credit Card if Amazon is your main shopping platform and you want unlimited rewards without paying an annual fee.
- Select the SBI Cashback Card if you regularly shop across several online platforms and can earn enough cashback to justify its annual fee.
- Select the HDFC Millennia Credit Card if your eligible spending across Amazon and selected brands is moderate and generally stays within the monthly reward cap.
- The Axis Bank ACE Credit Card may be used as a secondary card, but its 1.5% standard cashback is not as rewarding for Amazon purchases.
Also compare:
- Monthly cashback caps
- Annual fees
- Fee-waiver spending targets
- Excluded transaction categories
- Whether rewards are credited as cash, CashPoints or wallet balance
- Whether your regular purchases qualify for the higher rate
How to Combine Credit Card Rewards with CashKaro Cashback
Your credit card is only one saving layer. Eligible Amazon purchases may also earn CashKaro Rewards, depending on the product category and the current offer.
Follow these steps:
- Visit the Amazon offers page on CashKaro.
- Check whether your product category is eligible for Rewards.
- Click through to Amazon using the CashKaro link.
- Complete the purchase in the same shopping session.
- Pay using the credit card that offers the highest applicable reward.
- Apply an eligible Amazon coupon or bank offer when available.
CashKaro Rewards are separate from the cashback or rewards provided by your credit card. Both may apply to the same eligible order, provided all tracking and offer conditions are followed.
Do not visit another coupon, cashback or deal website after clicking through CashKaro because this may affect tracking.
Compare Credit Card Offers on CashKaro
CashKaro also lists banking and credit card offers that may provide additional Rewards when you apply for an eligible card and complete the required conditions.
Useful pages include:
- Banking and Finance Offers on CashKaro
- SBI Cashback Card
- HDFC Millennia Credit Card
- Axis Bank ACE Credit Card
- SBI SimplyCLICK Credit Card
The card’s official issuer website should be treated as the final source for fees, reward rates, exclusions and eligibility conditions.
Conclusion
The Amazon Pay ICICI Credit Card remains the best credit card for Amazon shopping for most people. It is lifetime free and offers unlimited 5% rewards to Prime members and 3% to non-Prime members on eligible Amazon shopping purchases.
The SBI Cashback Card is better suited to shoppers who spend across several websites, while HDFC Millennia works well for moderate spending across Amazon and selected brands.
For additional savings, check whether your Amazon category is eligible for CashKaro Rewards before shopping. You can then pay with the right credit card and apply any available Amazon coupon or bank offer.
Credit card rates, fees, exclusions and caps may change. Always verify the latest terms on the issuing bank’s official website before applying.
This article is for general information only and should not be considered financial advice.
Frequently Asked Questions
Which is the best credit card for saving on Amazon in India?
The Amazon Pay ICICI Credit Card is the best option for most Amazon shoppers. It has no joining or annual fee and offers unlimited 5% rewards to Prime members and 3% to non-Prime members on eligible Amazon shopping purchases.
Is the SBI Cashback Card better than the Amazon Pay ICICI Credit Card?
For Amazon shopping alone, the Amazon Pay ICICI Credit Card is generally better because it has no annual fee and its eligible Amazon rewards are uncapped. The SBI Cashback Card may be more useful if you shop across several online platforms. Plus, you can get extra rewards on applying for SBI Cashback Card via CashKaro.
Can I earn CashKaro Rewards and credit card rewards together?
Yes, an eligible Amazon purchase may earn both CashKaro Rewards and credit card rewards. Start through CashKaro, check the applicable category rate and complete the purchase according to the tracking conditions using an eligible credit card.
Are these credit card cashback rates fixed?
No. Banks can revise reward rates, monthly caps, exclusions, annual fees and fee-waiver conditions. Check the current official card terms before applying or making a high-value purchase.
