Best Credit Card for Amazon Shopping in India – 2025 Guide
Online shopping has become the new norm, and for millions of Indians, Amazon is the go-to platform for everything — from electronics to groceries. But did you know that using the right credit card while shopping on Amazon can help you save thousands of rupees every year?
In this article, we’ll explore the best credit cards for Amazon shopping in India, their features, benefits, and how they can help you earn cashback, reward points, and exclusive discounts. Whether you’re a frequent buyer or a festive season spender, these cards can make every rupee count.
Why Use a Credit Card for Amazon Shopping?
Before diving into the list, here’s why using a credit card on Amazon is a smart move:
- Up to 5% cashback on every purchase
- No cost EMI options on big-ticket items
- Exclusive Amazon offers during Great Indian Festival sales
- Reward points that can be redeemed later
- Extra discounts when combined with Amazon Pay offers
Let’s explore the best credit cards available in India for Amazon users.
1. Amazon Pay ICICI Credit Card – The Best Overall
Annual Fee: ₹0 (Lifetime Free)
Eligibility: Salaried or self-employed individuals with stable income
Best For: Daily Amazon shoppers
Key Features:
- 5% cashback for Amazon Prime members
- 3% cashback for non-Prime members
- 2% cashback on partner merchants (Swiggy, BookMyShow, etc.)
- 1% cashback on all other spends
- Cashback directly credited to Amazon Pay balance
- No cap on cashback and no expiry of rewards
- No joining or annual fees
Why it’s the Best:
The Amazon Pay ICICI credit card is undoubtedly the best credit card for Amazon shopping in India. It’s lifetime free, gives instant cashback, and integrates seamlessly with your Amazon account.
2. HDFC Millennia Credit Card
Annual Fee: ₹1,000 (Waived on ₹1 lakh spend)
Eligibility: Monthly income ₹25,000+
Best For: Millennials and salaried users
Key Features:
- 5% cashback on Amazon, Flipkart, Swiggy, Zomato
- 1% cashback on all other online & offline spends
- Cashback credited directly to your card account
- 8 complimentary airport lounge visits
- Fuel surcharge waiver
Why choose it:
If you shop frequently on Amazon and other platforms like Flipkart or Zomato, this is a great multi-platform cashback credit card.
3. SBI SimplyCLICK Credit Card
Annual Fee: ₹499 (Waived on ₹1 lakh spend)
Eligibility: Monthly income ₹20,000+
Best For: Online shopping across platforms
Key Features:
- 10X reward points on Amazon (through SBI’s partner link)
- 5X reward points on other online platforms
- Milestone gift vouchers worth ₹2,000
- Welcome gift: ₹500 Amazon voucher
- Annual fee waiver on spend above ₹1 lakh
Why it’s great for Amazon:
If you frequently shop on Amazon and other online stores, this card gives bonus reward points which can be redeemed for Amazon vouchers.
4. Axis Bank ACE Credit Card
Annual Fee: ₹499 (Waived on ₹2 lakh spend)
Eligibility: Monthly income ₹25,000+
Best For: Google Pay and utility spenders
Key Features:
- 5% cashback on bill payments via Google Pay
- 2% flat cashback on all Amazon transactions
- Unlimited cashback without any monthly limit
- Fuel surcharge waiver
- Accepted widely
Why consider it:
While not Amazon-exclusive, it offers flat 2% cashback on all Amazon purchases — great for users who want unlimited, simple cashback.
5. Flipkart Axis Bank Credit Card – Worth Mentioning
Annual Fee: ₹500
Best For: Flipkart shoppers (but good backup for Amazon too)
Why mention it?
Though focused on Flipkart, this card offers 1.5% cashback on all other spends, including Amazon. So if you shop on both platforms, it’s a balanced cashback card.
Comparison Table – Best Credit Cards for Amazon Shopping
| Credit Card | Amazon Cashback | Annual Fee | Rewards Type | Best For |
|---|---|---|---|---|
| Amazon Pay ICICI | 5% (Prime), 3% | ₹0 | Cashback | Daily Amazon Shoppers |
| HDFC Millennia | 5% | ₹1,000 | Cashback | Millennials & Travelers |
| SBI SimplyCLICK | 10X reward pts | ₹499 | Reward Points | Online Shoppers |
| Axis ACE | 2% flat | ₹499 | Cashback | Utility & Amazon Shopping |
| Flipkart Axis Bank | 1.5% | ₹500 | Cashback | Mixed Shoppers |
How to Choose the Right Credit Card for Amazon?
Consider the following factors when choosing a credit card for Amazon shopping:
✅ 1. Are You a Prime Member?
Go for Amazon Pay ICICI if you’re a Prime user — 5% cashback is unbeatable.
✅ 2. Do You Shop on Multiple Platforms?
Choose HDFC Millennia or SBI SimplyCLICK for wider online coverage.
✅ 3. Do You Want Simple Cashback?
Axis ACE Credit Card offers flat cashback without reward points complexity.
✅ 4. Want a Lifetime Free Card?
Amazon Pay ICICI is free forever with solid benefits.
Benefits of Using a Credit Card on Amazon
- No cost EMI on ₹3,000+ purchases
- Exclusive sale offers (Great Indian Festival, Prime Day)
- Instant 10% discounts during bank tie-up sales
- Earn cashback and reuse it for future Amazon purchases
- Buy Now, Pay Later convenience
Eligibility Criteria
While each card has different requirements, here’s a general range:
- Minimum Age: 21 years
- Monthly Income: ₹15,000 – ₹25,000+
- CIBIL Score: 700+ preferred
- Employment: Salaried or Self-employed
Documents Required
To apply for a credit card online, you will need:
- PAN Card
- Aadhaar Card or other address proof
- Latest salary slips or bank statements (last 3 months)
- Passport-size photograph
How to Apply for a Credit Card for Amazon?
👉 Steps to Apply Online:
- Visit the bank’s official website or Amazon credit card offer page.
- Choose your desired credit card (e.g., Amazon Pay ICICI).
- Fill in personal details: name, income, employment, address.
- Upload documents like PAN, Aadhaar, salary slip.
- Submit the application.
- You’ll be notified of approval status within 1–3 business days.
Once approved, you can start using your virtual credit card for Amazon immediately in most cases.
Tips to Maximize Benefits
- Always shop using Amazon mobile app or website directly
- Activate Amazon Pay cashback offers before transactions
- Combine credit card cashback with coupon codes or Lightning Deals
- Use No Cost EMI wisely to avoid interest
- Pay your full bill on time to avoid charges
Final Verdict – Which is the Best Credit Card for Amazon?
The Amazon Pay ICICI Credit Card stands out as the best credit card for Amazon shopping in India in 2025. It’s lifetime free, offers up to 5% cashback, and directly integrates with your Amazon Pay wallet.
