Best Credit Card for Amazon India (2026)
Three cards give 5% on Amazon — here's which one actually earns you more.
Amazon is the most common online shopping destination in India, and several cards offer 5% cashback. But they're not equal — one has no cap, one has a ₹1,000/month shared cap, and one is changing its caps in April 2026.
At ₹12,000/month Amazon spend, the difference between these cards is real money.
All cashback figures below are calculated at ₹12,000/month spend in this category, using our cap-aware calculator that accounts for monthly limits and fallback rates.
Our Picks
5% on Amazon (Prime members), no monthly cap, lifetime free. The math is simple: ₹12K/month = ₹600/month = ₹7,200/year. From a free card. No other option matches this.
5% on Amazon plus Flipkart, Myntra, Swiggy, and more. But the ₹1,000/month shared cap limits total earning. Best if your Amazon spend is under ₹10K/month and you want broader coverage.
Cap: ₹1000/mo (you're under it)
5% on ALL online (including Amazon) with no partner restrictions. The ₹5,000/cycle cap gives more room than Millennia's ₹1K cap. But changes coming April 2026 reduce this to ₹2K.
Cap: ₹5000/mo (you're under it)
1.5% on Amazon (uncapped). Not exciting, but never drops below 1.5% regardless of spend level. Good for Amazon purchases after your primary card's cap is hit.
Cap: ₹500/mo (you're under it)
Amazon Pay ICICI is the obvious winner. Free card, 5%, no cap. If you spend ₹5K+/month on Amazon, get this card. Pair it with HDFC Millennia for non-Amazon online shopping.
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Try Smart Swipe →❓ Frequently Asked Questions
Do I need Amazon Prime for 5%?+
Yes for 5%. Without Prime, you get 3%. At ₹5K+/month Amazon spend, the extra 2% earns back the Prime fee (₹1,499/year) within 6 months.
Is the cashback real money?+
It's Amazon Pay balance — usable on Amazon and Amazon Pay partner merchants. You can't transfer it to a bank account, but you'll likely spend it on Amazon anyway.
Amazon Pay ICICI vs HDFC Millennia for Amazon?+
Amazon ICICI wins decisively: 5% with no cap vs Millennia's 5% with a ₹1,000/month shared cap. Millennia is better for Flipkart/Swiggy; Amazon ICICI is better for Amazon.