Best Credit Card for Amazon Shopping in India (2026)

Amazon Pay ICICI is the default for ₹15-30K/month Amazon spends — 5% back as Amazon Pay balance, no upper cap, no annual fee.

Co-branded cards win on concentrated single-platform spending. Amazon Pay ICICI returns 5% on Amazon (3% for non-Prime, 5% for Prime) with no monthly cap. HDFC Millennia comes in second at 5% capped at ₹1,000/mo on Amazon. SBI Cashback (5% on all online up to ₹5K/mo) is the flexible third option if your spend splits Amazon + Flipkart + others.

Typical spend in this category: ₹8,000–25,000/month

Why these specific cards

Amazon Pay ICICI is the co-branded option — 5% back as Amazon Pay balance for Prime members (3% for non-Prime). No monthly cap. HDFC Millennia adds 5% cashback on Amazon up to ₹1,000/month — useful as a secondary card to maximise the cap. SBI Cashback gives 5% on all online including Amazon with a ₹5,000/month total online cap.

Reward math example

On ₹20,000/mo Amazon spend with Prime: Amazon Pay ICICI returns ₹1,000/mo (5% × ₹20K). HDFC Millennia returns ₹1,000/mo (capped). SBI Cashback returns the lower of ₹1,000 (5% of ₹20K) or ₹5,000 (online cap), so ₹1,000. Amazon Pay ICICI wins because the rewards are in Amazon Pay balance — immediately spendable, no conversion friction.