5 Best Credit Cards for Amazon India Shopping

With the convenience of doorstep delivery, credit cards have come up with exclusive rewards and cashback offers on various online shopping portals. 

One such portal is Amazon India, where you can earn multiple benefits such as cashback, discounts, and reward points when you make purchases through credit cards.

5 Best Credit Cards for Amazon India Shopping

#1. HDFC Bank Infinia Credit Card Metal Edition

HDFC Infinia Metal Edition is a super premium credit card which offers great reward return on various spends. To earn HDFC rewards points on Amazon, you must make your purchase through the HDFC SmartBuy portal.

You can earn 5x reward points (base reward – 5 points per Rs 150) spent on Amazon shopping via HDFC Smartbuy portal. When you redeem the earned points against Smartbuy hotels/flights and Tanishq gift vouchers, you can get a high reward redemption return of 16.7%.

Reward Points on shopping at Amazon via Smartbuy 

• Base Reward: Earn 5 Reward Points for every Rs. 150/- retail spent.
• 5X Reward Points on spends via SmartBuy means 25 reward points on Rs. 150 spent.

Reward rate on shopping at Amazon via Smartbuy 

• Redeem 1RP = Rs. 1 against Smartbuy hotels/flights and Tanishq gift vouchers, 16.7% reward return.
• 1 RP = 50 paise redeemed for Amazon gift vouchers, 8.3% reward return.
• 1 RP = 30 paise redeemed for cash, 5% reward return.

Fees & Charges of HDFC Infinia Credit Card 

• Joining Fees – Rs.12500
• Annual Fees – Rs.12500
• Annual Fees Waiver – The annual fees can be waived off if a minimum spending of Rs.10,00,000 is made annually.
• Welcome Bonus – Get 12,500 reward points as a welcome bonus, complimentary Club Marriott membership for the first year.

#2. HDFC Bank Diners Club Black Credit Card

Like the HDFC Infinia credit card, you need to purchase through the HDFC SmartBuy portal to earn rewards points on Amazon.

With HDFC Diners Club Black credit card, you can earn 15 reward points per Rs 150 spent on Amazon shopping via HDFC Smartbuy portal. The earned reward points can be redeemed against SmartBuy hotels/flights to get the maximum reward redemption return of 10%.

Reward Points on shopping at Amazon via Smartbuy 

• Base Reward: Earn 5 Reward Points for every Rs. 150/- retail spent.
• 3X Reward Points on spends via SmartBuy means 15 reward points on Rs. 150 spent.

Reward rate on shopping at Amazon via Smartbuy 

• 1RP = Rs. 1 redeem against Smartbuy hotels/flights, 10% reward return.
• 1 RP = 50 paise redeemed for Amazon gift vouchers, 5% reward return.
• 1 RP = 30 paise redeemed for cash, 3% reward return.

Fees of HDFC Diners Club Black Credit Card

• Joining fees: Rs. 10,000
• Annual Fees: Rs. 10,000
• Annual fees waiver: Annual fees waived off on spending Rs. 5,00,000 in the previous year.

#3. ICICI Amazon Pay Credit Card

The ICICI Amazon Pay credit card is one of the best credit cards for Amazon India shopping with zero membership fee. You will earn 5% cashback on Amazon shopping, and up to 2% cashback on other categories. Moreover, you get an Amazon Pay Balance Rs. 300 to Rs. 600 as a welcome gift on joining. 

The earned cashback will be automatically credited to your Amazon account in the form of Amazon Pay Balance. You can use these balances for making purchases on Amazon and at any of the partner merchants accepting Amazon Pay as a payment method. 

Cashback offers on Amazon Shopping

• 1 Reward Point = Re. 1 (for expenditure on Amazon).
• There is no max capping on the AmazonPay balance that can be earned as cashback.

Spend Category	Cashback Offers
For Amazon Prime members except bill payments and gift vouchers.	5% cashback
For Non-prime members	3% cashback
Over 100 plus Amazon partner merchants	2% cashback
All other online and offline spends except fuel	1% cashback

Other Benefits

• Get Amazon Pay Balance Rs. 300 to Rs. 600 as a welcome gift.
• Enjoy a minimum of 15% discount on dining bills at restaurants participating in the Culinary Treats program.
• Get a 1% fuel surcharge waived off at all petrol stations across India on a minimum transaction of Rs. 400 and a maximum transaction of Rs. 4000.

Joining/ Annual Fee

Nil (lifetime free credit card)

#4. Cashback SBI Credit Card

The Cashback SBI credit card offers great cashback rewards on your purchases, making it the perfect option for Amazon India shopping.

You can earn up to 5% cashback on all online spends, including Amazon, without any merchant restriction. The maximum capping for this cashback is Rs. 10,000 per billing statement month. 

In addition, you can earn 1% cashback on all offline spends and utility bill payments, with no capping.

Cashback offers on SBI Cashback Credit Card

• Cashback not applicable on Rent Payments, Wallet Loads, Merchant EMIs, Cash Advances, Balance Transfer, Encash & Flexipay.

Spend Category	Cashback (as CashPoints)	Maximum Capping
On every online spend including Amazon without any merchant restriction	5% cashback	Rs. 10,000 per billing statement month
All offline spends and utility bill payments	1% cashback	No capping

Cashback Redemption Value

The earned cashback will be auto-credited within 2 days of the card’s next statement.

Fees & Charges

• Joining Fees: Rs. 1,000
• Annual Fees: Rs. 1,000
• Annual Fees Waiver: Annual fee reversed if annual spend Rs. 2,00,000 or more.

#5. HDFC Millennia Credit Card

The HDFC Millennia credit card is another great option for Amazon India shopping, as it offers 5% cashback as CashPoints on Amazon. 

However, not only amazon, you will also get 5% cashback on other popular online merchants like Flipkart, Myntra, BookMyShow, Cult.fit, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato. 

HDFC Millennia Cashback Points/ Cashback

Spend Category	Cashback (as CashPoints)	Maximum Capping
Amazon, Flipkart, Myntra, BookMyShow, Cult.fit, Sony LIV, Swiggy, Tata CLiQ, Uber and Zomato	5% cashback	1,000 CashPoints per month
All other online and offline spends (except fuel)	1% cashback	1,000 CashPoints per month

Redemption Value of Cashback Points

Category	Value of 1 CP
Cashback	1 CP = Re. 1
Product Catalog	1 CP = Rs. 0.30
Flight/Hotel Booking	1 CP = Rs. 0.30
Airmiles	1 CP = 0.30 AirMiles

• A minimum of 500 CashPoints are required for redemption against the card’s statement balance.
• CashPoints expire after 2 years.

Fees & Charges

• Joining Fees: Rs. 1,000.
• Annual Fees: Rs. 1,000.
• Annual Fees Waiver: Annual fee waived off on spending Rs. 1,00,000 or more in a year.
• Welcome Bonus: 1,000 CashPoints

Conclusion

For beginners, ICICI Amazon Pay credit card is the best option for you as you get 5% cashback on Amazon with no maximum capping. This credit card also comes with zero membership fee. 

If you are looking for a premium credit card for Amazon India shopping, the HDFC Infinia Metal Edition Credit Card is the perfect choice for you. With 25 reward points on Rs. 150 spent on Amazon, you can earn a high reward redemption return of 16.7% when you redeem for smartbuy flight/hotel bookings.