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Amazon · Co-branded

Amazon Pay Credit Cards in India 2026

Best credit card for Amazon shopping in India — earn Amazon Pay balance back on every purchase.

Amazon Pay ICICI is the only true Amazon co-branded card in India. It pays 5% back as Amazon Pay balance for Prime members on Amazon.in purchases (3% for non-Prime), and 1% on all other spends. The balance shows up in your Amazon wallet within 24 hours of statement generation — no redemption forms, no expiry within reason. Lifetime-free, no annual fee ever. If you spend ₹15K+/month on Amazon, the 5% Prime rate is the highest no-fee return in the Indian market for that category.

Earn structure

5% on Amazon.in (Prime), 3% (non-Prime), 1% elsewhere — paid as Amazon Pay balance

Reward currency

Amazon Pay balance (1₹ = 1₹)

Recommended cards for Amazon spenders

ICICI Bank

Amazon Pay ICICI Credit Card

Annual fee: ₹0 LTFRating: 4.5 / 5

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Redemption pitfall to know before applying

Balance redeemable only on Amazon.in. No transfer to bank account. If you don't shop Amazon regularly, the balance accumulates idle — better to use a 1.5% cashback card if Amazon spend is <₹5K/mo.