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Best Credit Cards for Amazon Shopping in India

A co-branded Amazon card is not always best. A general cashback card can beat it once your Amazon spend is mixed with other categories.

Ranked for a regular Amazon buyer spending ₹25,000 a month there: Amazon ₹25,000, Other online shopping ₹5,000, Groceries ₹4,000, Everything else ₹6,000. Change these numbers in the calculator. Values are best-case: points at their best redemption value and spend milestones included (vouchers at half of face value).

Top picks

  1. 1

    Cashback SBI Card

    SBI Card · fee ₹999 (waived at this spend)
    ₹15,000a year on amazon, after fee share
    Rewards ₹19,968Milestones ₹0Fee −₹0All spend: ₹19,968 net
    See official terms Full review
  2. 2

    Swiggy BLCK HDFC Bank

    HDFC Bank · fee ₹1,000 (waived at this spend)
    ₹15,000a year on amazon, after fee share
    Rewards ₹19,488Milestones ₹0Fee −₹0All spend: ₹19,488 net
    See official terms Full review
  3. 3

    Swiggy Ornge HDFC Bank

    HDFC Bank · fee ₹500 (waived at this spend) min income ≈ ₹20,000/month
    ₹15,000a year on amazon, after fee share
    Rewards ₹18,528Milestones ₹0Fee −₹0All spend: ₹18,528 net
    See official terms Full review
  4. 4

    Amazon Pay ICICI Bank Credit Card

    ICICI Bank · fee ₹0 min income ≈ ₹30,000/month
    ₹15,000a year on amazon, after fee share
    Rewards ₹16,908Milestones ₹0Fee −₹0All spend: ₹16,908 net
    See official terms Full review
  5. 5

    HDFC Millennia

    HDFC Bank · fee ₹1,000 (waived at this spend) min income ≈ ₹35,000/month
    ₹12,057a year on amazon, after fee share
    Rewards ₹14,400Milestones ₹2,000Fee −₹0All spend: ₹16,400 net
    See official terms Full review
  6. 6

    Standard Chartered Ultimate Credit Card

    Standard Chartered Bank · fee ₹5,000 min income ≈ ₹2,00,000/month
    ₹6,865a year on amazon, after fee share
    Rewards ₹15,346Milestones ₹0Fee −₹5,000All spend: ₹10,346 net
    See official terms Full review
  7. 7

    Scapia Federal Bank Credit Card

    Federal Bank · fee ₹0 min income ≈ ₹41,667/month
    ₹6,000a year on amazon, after fee share
    Rewards ₹9,600Milestones ₹0Fee −₹0All spend: ₹9,600 net
    See official terms Full review
  8. 8

    HDFC PIXEL Play

    HDFC Bank · fee ₹500 (waived at this spend)
    ₹6,000a year on amazon, after fee share
    Rewards ₹9,096Milestones ₹0Fee −₹0All spend: ₹9,096 net
    See official terms Full review

What the numbers show: Cashback SBI Card leads this list at ₹15,000 a year on amazon after its share of the fee (₹19,968 net on the whole profile), essentially level with Swiggy BLCK HDFC Bank (within ₹0), so treat the order as a tie. This list is ranked on that category only, not on the whole profile.

How to read this ranking

Four cards tie at about ₹15,000 a year on ₹25,000 a month of Amazon spend, because each pays 5% (₹1,250 a month) and none caps below that: SBI Cashback (5% on all online spends, ₹2,000 a month cap since 1 April 2026), the two Swiggy HDFC cards (5% on Amazon, shared ₹1,500 monthly cap) and Amazon Pay ICICI (5% for Prime members, uncapped). The page orders the four by what the rest of the persona earns (₹5,000 other online, ₹4,000 groceries, ₹6,000 other), so the order says nothing about Amazon itself; what separates them is the fee (Amazon Pay ICICI is free for life; SBI Cashback, Swiggy BLCK and Swiggy ORNGE charge ₹999, ₹1,000 and ₹500, all waived at this persona's ₹4.8 lakh yearly spend) and the conditions.

Two conditions matter most. Amazon Pay ICICI pays only 3% without Prime, which would drop its Amazon earnings to about ₹9,000 on this profile. And SBI Cashback and the Swiggy cards share their caps across all other online spending, so a household that also shops elsewhere online can hit the cap. HDFC Millennia pays 5% too, but its cap of 1,000 CashPoints a month is shared across ten named merchants, so ₹25,000 × 5% = ₹1,250 is cut to ₹1,000, which is why it ranks below. Jupiter Edge+ pays 10% in Jewels but caps it at 3,000 Jewels (₹600) a month on Amazon, so it earns about ₹9,480 here.

Figures come from the issuers' own terms as recorded on each card page (sources and check dates are listed there). Estimates, not offers.

Head to head

Questions

How was this "best credit cards for amazon" list ranked?

We ran a regular Amazon buyer spending ₹25,000 a month there (about ₹40,000 a month of card spend in total) through each card's reward rules, caps, fee and milestones and ranked on what each card earns on amazon alone, after its share of the fee. Affiliate payouts play no part in the ranking.

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