The best credit card for Amazon India is one of the most searched credit card questions among Indian online shoppers — and for good reason. Amazon is where most Indians spend a significant chunk of their monthly budget — and the right card turns every order into real cashback.
If you already know which card you want:
👉 Apply for SBI Cashback Credit Card
👉 Apply for HDFC Millennia Credit Card
If you want the complete honest breakdown first — read on. This best credit card for Amazon India guide covers real savings calculations so you know exactly which card suits your shopping pattern.
Why Your Amazon Card Choice Matters
Monthly Amazon spend: ₹5,000
No credit card:
→ ₹0 savings = ₹0/year
Wrong card (1% cashback):
→ ₹50/month = ₹600/year
Right card (5% cashback):
→ ₹250/month = ₹3,000/year
Difference: ₹2,400 annually From the SAME Amazon orders!
Choosing the best credit card for Amazon India is simply about picking the card that rewards your biggest spending category most.
The Three Best Cards for Amazon Shopping
Card 1 — SBI Cashback Credit Card (Top Pick for Amazon)
The SBI Cashback Credit Card is the best credit card for Amazon India for one powerful reason — 5% cashback on every online platform with zero merchant restrictions. Amazon, Flipkart, Myntra, Nykaa, BigBasket — all earn 5% automatically.
Cashback on Amazon:
→ 5% cashback on all online spends
→ No merchant restriction
→ Amazon earns full 5%
→ Cap: ₹2,000 per statement cycle
→ Cashback credited automatically
Other cashback:
→ 1% on offline spends
→ 1% fuel surcharge waiver
Annual fee: ₹999 + GST
→ Waived on ₹2 lakh annual spend
Eligibility:
→ Age: 21-60 years
→ Minimum income: ₹20,000/month
→ CIBIL: 700+
→ Salaried or self-employed
Application steps:
Step 1 — Click the link below. Application page opens showing “You’ve made a great choice! CASHBACK SBI Card on Mastercard.”
Step 2 — Select network preference — Mastercard or Visa.
Step 3 — Fill personal details — name, mobile number, city, PAN, date of birth.
Step 4 — Fill professional details — occupation, designation, company name.
Step 5 — Complete KYC — address and PIN code.
Step 6 — Submit application. Decision within 3-7 working days.
👉 Apply for SBI Cashback Credit Card
Best for:
→ Amazon shoppers who also buy on many other platforms
→ Those wanting 5% on every online purchase — not just Amazon
→ Those wanting automatic cashback without managing points
→ Lower CIBIL requirement 700+
Honest limitation:
Monthly cap of ₹2,000 means spending above ₹40,000 online earns no additional cashback. For most Amazon shoppers — this cap is never a constraint.
Card 2 — HDFC Millennia Credit Card (Best Amazon + Ecosystem Card)
The HDFC Millennia Credit Card earns 5% cashback specifically on Amazon — alongside 9 other major platforms — making it the best credit card for Amazon India for users who want strong rewards across a broader lifestyle ecosystem.
Cashback on Amazon:
→ 5% cashback on Amazon
→ No monthly cap on 5% category
Other 5% platforms:
→ Flipkart
→ Myntra
→ Tata CLiQ
→ Swiggy
→ Zomato
→ Uber
→ BookMyShow
→ Sony LIV
→ Cult.fit
Other benefits:
→ 1% cashback on all other spends
→ ₹1,000 gift voucher or 1 lounge access on ₹1 lakh quarterly spend
→ 10% discount on Swiggy Dineout
→ 1% fuel surcharge waiver
→ Up to 10% additional cashback via SmartBuy and PayZapp
→ Up to 50 days interest-free credit
Annual fee: Check with HDFC Bank at application
→ Spend ₹1 lakh per quarter for milestone benefits
Eligibility:
→ Age: 21-40 years
→ Net monthly income: ₹35,000+
→ CIBIL: 780+
Application steps:
Step 1 — Click the link below. HDFC Bank page opens showing “Get the Best Credit Card in 3 Easy Steps!”
Step 2 — Enter mobile number and PAN card or date of birth.
Step 3 — Get OTP and verify.
Step 4 — Confirm details.
Step 5 — Select HDFC Millennia Credit Card from available options.
Step 6 — Submit. Video KYC may be required.
Important: Activate card and make at least ₹100 transaction within 30 days.
👉 Apply for HDFC Millennia Credit Card
Best for:
→ Those who shop on Amazon AND multiple other platforms
→ Those wanting no cap on 5% Amazon cashback
→ Those wanting quarterly milestone vouchers or lounge access
→ Income ₹35,000+/month
→ CIBIL 780+
Honest limitation:
Earns only 1% on online platforms outside the 10 partner list. CIBIL 780+ and income ₹35,000/month requirements are higher than SBI Cashback.
What About Amazon Pay ICICI Card?
The Amazon Pay ICICI Credit Card is specifically built for Amazon and deserves honest mention in any best credit card for Amazon India guide — even though Building Dhan does not currently have an affiliate arrangement for it.
Amazon Pay ICICI cashback:
→ 5% on Amazon for Prime members
→ 3% on Amazon for non-Prime members
→ 2% on Amazon Pay partner merchants
→ 1% everywhere else
→ Zero annual fee — lifetime free
→ No cap on Amazon cashback
Why it is worth knowing:
If you are a heavy Amazon Prime member spending ₹20,000+ monthly exclusively on Amazon — the Amazon Pay ICICI Card’s 5% with no annual fee and no cap is extremely competitive.
Why SBI Cashback and HDFC Millennia still win for most readers:
Both give 5% on Amazon AND multiple other platforms. Amazon Pay ICICI Card gives 5% only on Amazon ecosystem. For diverse online shoppers — the broader platform coverage of SBI Cashback and HDFC Millennia delivers more total savings.
Real Savings — ₹5,000 Monthly Amazon Spend
| Card | Amazon Rate | Monthly Saving | Annual Saving |
|---|---|---|---|
| SBI Cashback | 5% | ₹250 | ₹3,000 |
| HDFC Millennia | 5% | ₹250 | ₹3,000 |
| Amazon Pay ICICI (Prime) | 5% | ₹250 | ₹3,000 |
| No credit card | 0% | ₹0 | ₹0 |
All three top cards earn equally on Amazon at ₹5,000 monthly. The differentiation happens outside Amazon — which is where the best credit card for Amazon India comparison truly matters.
Where Each Card Wins Outside Amazon
SBI Cashback:
→ 5% on ALL online platforms
→ Nykaa Blinkit BigBasket MakeMyTrip AJIO = 5%
→ Best for diverse online shoppers
HDFC Millennia:
→ 5% on 9 other partners
→ Swiggy Zomato Uber Flipkart Myntra = 5%
→ No monthly cap
→ Quarterly milestone benefit
→ Best for platform loyalists
Amazon Pay ICICI:
→ 2% on Amazon Pay partners
→ 1% everywhere else
→ Best ONLY for Amazon-exclusive shoppers
The Honest Decision Framework
You shop on Amazon AND many other platforms:
→ SBI Cashback
→ 5% everywhere online
→ Simplest choice
You shop on Amazon AND Swiggy Zomato Flipkart Uber:
→ HDFC Millennia
→ 5% on all 10 platforms
→ No monthly cap
→ Quarterly milestone
You ONLY shop on Amazon and want no annual fee:
→ Amazon Pay ICICI (apply directly at Amazon.in or ICICI Bank)
→ Lifetime free
→ 5% Amazon Prime
Income below ₹35,000/month:
→ SBI Cashback (₹20,000 minimum)
CIBIL below 780:
→ SBI Cashback (700+ accepted)
Can You Combine Cards for Maximum Amazon Savings?
For heavy shoppers — the SBI Cashback and HDFC Millennia together is not necessary for Amazon specifically — both earn the same 5%.
The better combination is:
→ SBI Cashback for all platforms outside HDFC’s 10 partners
→ HDFC Millennia for Swiggy Zomato Uber BookMyShow
As covered in HDFC Millennia vs SBI Cashback — the dual card strategy maximizes earnings across your entire online spending — not just Amazon.
Building Dhan Complete Credit Card Library
→ SBI Cashback Credit Card Review 2026
→ HDFC Millennia Credit Card Review 2026
→ HDFC Millennia vs SBI Cashback
→ How to Apply SBI Cashback Card
→ How to Apply HDFC Millennia Card
→ Best Credit Card for Swiggy and Zomato
Your Action This Week
Check your last three months of Amazon spending — how much monthly on average.
Diverse online shopper: Apply for SBI Cashback — 5% on every platform including Amazon.
Amazon plus lifestyle platforms: Apply for HDFC Millennia — 5% on Amazon plus 9 other top platforms.
The cashback starts accumulating from your very first Amazon order after card activation.
👉 Apply for SBI Cashback Credit Card
👉 Apply for HDFC Millennia Credit Card
And if you want the complete framework for building wealth as an Indian — download the free guide 7 Money Moves to Make Before You Turn 30 free when you subscribe to the Building Dhan newsletter at buildingdhan.in.
Disclosure: This is not financial advice. This post contains affiliate links.
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