Online shopping has become a major part of modern life. Amazon is one of the most widely used platforms in India for buying electronics, fashion, groceries, home essentials, and digital services. Every time you shop on Amazon, you spend money — but with the right credit card, you can also get rewards back.
Credit cards that offer cashback and rewards help you save money on every Amazon purchase. In this guide, you will learn about the best credit cards for Amazon shopping in India in 2026, their benefits, cashback rates, fees, and how to choose the best one for your needs.
How Credit Cards Help You Save on Amazon
Credit cards provide financial benefits whenever you shop online. The main types of benefits include:
- Cashback — A portion of your purchase amount returned as money back
- Reward points — Points earned on purchases that can be redeemed later
- Welcome bonuses — Gifts or vouchers when you sign up
- Sale offers — Extra bank offers during seasonal deals
These benefits can reduce the real cost of your purchases and make your online shopping more rewarding.
Table of Contents
Top Credit Cards for Amazon Shopping in India (2026)
Here are the best credit cards that offer great value when shopping on Amazon.
1. Amazon Pay ICICI Credit Card
This credit card is designed specifically for Amazon users, and it remains one of the best options in India.
Key Benefits
- 4% cashback on partner merchants
- 1% cashback on all other spending
- Cashback credited directly to Amazon Pay balance
Why It Is Best for Amazon
The Amazon Pay ICICI Credit Card offers one of the highest cashback rates available for Amazon purchases. Cashback is added to your Amazon Pay account, which you can use instantly for future orders.
Best For
Frequent Amazon shoppers, especially Prime members.
2. Axis Bank Ace Credit Card
Axis Bank Ace is a versatile cashback credit card that works very well for online payments including Amazon.
Key Benefits
- 5% cashback on bill payments and online spending via Google Pay
- 4% cashback on dining and grocery
- 1% unlimited cashback on all other spending
- Cashback credited as statement credit
Why It Works for Amazon
Although not exclusive to Amazon, this card gives high rewards when online purchases are made using Google Pay. If you use Google Pay to pay for Amazon orders, you get maximum value.
Best For
Users who frequently shop online and want flexible cashback.
3. HDFC Millenia Credit Card
The HDFC Millenia Credit Card is a strong choice for online shoppers across different brands, including Amazon.
Key Benefits
- 5% cashback on top online platforms
- 2% cashback on movies and travel
- Welcome benefits worth thousands of rupees
- Easy redemption options
Why It Is Good
This card gives good cashback value on Amazon and other platforms, making it useful for users who shop from multiple e-commerce sites.
Best For
Online shoppers who buy from various marketplaces, not just Amazon.
4. ICICI Platinum Chip Credit Card
This is a basic credit card with a low fee that still offers rewards.
Key Benefits
- Reward points on every purchase
- Lower annual fee compared to premium cards
- Useful features like fuel surcharge waiver
Why It Works for Amazon
This card may not offer the highest cashback percentage, but it is a good starter credit card for online shopping with consistent rewards.
Best For
Beginners and first-time credit card users.
5. SBI Card PRIME
SBI Card PRIME is a premium rewards card with a mix of cashback and redeemable points.
Key Benefits
- Reward points on online spending including Amazon
- 10,000 bonus points on renewal
- Good rewards across categories
Why It Is Valuable
This card treats online spending well and gives bonus benefits that add value over time.
Best For
Users looking for ongoing rewards and premium features.
6. Standard Chartered Smart Credit Card
This card focuses on simple cashback and flexible reward points.
Key Benefits
- 5% cashback (as reward points) on online spends
- Fuel surcharge waiver
- Reward points redeemable for statement credit
Why It Works for Amazon
It provides solid cashback value converted as rewards. You can redeem these points easily for Amazon vouchers or statement credits.
Best For
Users who prefer redeemable reward points.
Cashback and Reward Comparison Table
| Credit Card | Amazon Cashback | Annual Fee | Best For |
|---|---|---|---|
| Amazon Pay ICICI | Up to 5% | ₹499 | Amazon users |
| Axis Bank Ace | Up to 5% via GPay | ₹499 | Flexible cashback |
| HDFC Millenia | 5% on e-commerce | ₹1,000 | Multi-platform shoppers |
| ICICI Platinum Chip | Reward points | ₹0-₹500 | Beginners |
| SBI Card PRIME | Reward points | ₹2,999 | Premium rewards |
| Std Chartered Smart | 5% (points) | ₹499 | Reward points users |
How Cashback Works on Amazon
Cashback and rewards offered by credit cards can be applied in different ways:
Cashback Directly to Wallet
Some cards, like the Amazon Pay ICICI Credit Card, add cashback directly to your Amazon Pay balance.
Statement Credit
This reduces your credit card bill.
Reward Points
Points earned can be converted to gift vouchers, statement credit, or redeemed for shopping.
Check each card’s terms for how cashback is credited.
Tips to Maximize Savings When Shopping on Amazon
Here are useful strategies to get the most value:
Shop During Sale Events
Amazon Big Billion Days, festive sales, and seasonal promotions normally offer extra bank discounts and cashback stacking.
Pay Using Partner Methods
Some cards give extra cashback when paying through specific apps like Google Pay or Amazon Pay.
Sign Up for Prime
For cards that offer higher cashback for Prime members, signing up for Prime can boost your rewards.
Combine Offers
Use card offers, bank discounts, Flipkart Pay Later deals, and coupon codes together for maximum savings.
Things to Consider Before Choosing a Credit Card
Before applying for a credit card, consider the following:
Annual Fees
Some cards charge a yearly fee. Make sure the cashback benefits you earn exceed the fee.
Reward Caps
Many cards limit cashback to a maximum amount per month or year. Always check these limits.
Reward Expiry
Reward points or cashback may expire after a certain period.
Billing and Interest
If you carry a balance month to month, interest charges can reduce the value of cashback. Always pay on time.
Redemption Process
Check how easy it is to redeem cashback or reward points.
Common Questions About Amazon Credit Cards
Which Credit Card Gives the Highest Cashback on Amazon?
The Amazon Pay ICICI Credit Card gives one of the highest cashback rates for Amazon purchases, especially for Prime members.
Do I Need Amazon Prime for Extra Cashback?
Yes. Some card benefits, like 5% cashback, are available only if you have Amazon Prime.
Can I Use Multiple Cards for Amazon Shopping?
Yes. You can use different cards for different transactions to maximize rewards.
Are Reward Points Better Than Cashback?
Direct cashback is easier to use, but reward points sometimes give higher value when redeemed smartly.
Conclusion
Choosing the right credit card for Amazon shopping in India can help you save a significant amount of money every year. Cards like Amazon Pay ICICI Credit Card, Axis Bank Ace, and HDFC Millenia offer strong cashback benefits and rewards for frequent shoppers.
