#1
Best for · Cloud / AWS
Best Credit Card for AWS, GCP, Azure Cloud Bills in India (2026)
Federal Scapia (0% forex, prepaid) saves you 3.5% markup on USD-denominated cloud bills. HDFC Infinia Metal also has 0% forex.
Cloud bills are USD-denominated. A regular Indian credit card adds 3-3.5% forex markup on every transaction, which eats ₹15,000-25,000/year on a ₹50K/month AWS bill. The right stack: Federal Scapia prepaid for routine cloud spends + HDFC Infinia Metal for power-users who want CIBIL-building credit at zero forex.
Typical spend in this category: ₹5,000–50,000/month
Why these specific cards
Federal Scapia: 0% forex markup on USD spends — funded via UPI from your savings, used like a debit card on AWS / GCP / Azure billing. Saves 3.5% of every USD cloud transaction. Not a credit card (doesn't build CIBIL). HDFC Infinia Metal: 0% forex markup as a true credit card, plus 5x reward points on SmartBuy. For ₹50K+/month cloud users, the savings on the Infinia card alone justify the ₹12,500 annual fee.
Reward math example
On ₹50K/mo AWS bill: regular card (e.g. SBI Cashback) charges 3.5% forex markup = ₹1,750 lost/month = ₹21,000/yr in pure markup. Federal Scapia saves all of that. HDFC Infinia Metal earns ₹3,000/yr in rewards on top of the saved markup.
Top 1 cards for cloud / aws
Curated picks based on category-specific reward rates and fit. See our rating methodology for how we evaluate.
What to evaluate before picking
- Forex markup is the dominant cost factor (3.5% on most cards)
- Prepaid (Scapia/Niyo) for forex-only use; credit card for CIBIL + rewards
- Volume threshold for premium-card fee justification (~₹30K/mo cloud)