Best credit card for Amazon India in 2026 (₹50K+ annual spend)
Which credit card pays the most on Amazon India: the Amazon Pay ICICI card against SBI SimplyClick, SBI Cashback, HDFC Millennia and Flipkart Axis, with yearly returns computed from our catalog at three spend levels.
In this article
Short answer: for most people who shop on Amazon India, the Amazon Pay ICICI card is the best card for Amazon. It has no annual fee and pays its top rate on Amazon for Prime members with no cap, so the return grows in a straight line with your spend. Other online cards can match the rate on Amazon, but caps, fees or point values usually leave them behind.
The cards compared
Fees and eligibility from our catalog. Rows we have not yet checked against the issuer say so.
| Card | Annual fee | Fee waived at | Forex markup | Stated min income | Network | Checked |
|---|---|---|---|---|---|---|
| Amazon Pay ICICI ICICI Bank | None | - | 3.5% | ₹3,00,000 / yr | visa | not yet verified |
| SBI Cashback SBI Card | ₹999 | ₹2,00,000 / yr | 3.5% | ₹3,60,000 / yr | mastercard | not yet verified |
| SBI SimplyClick SBI Card | ₹499 | ₹1,00,000 / yr | 3.5% | ₹3,00,000 / yr | mastercard | not yet verified |
| HDFC Millennia HDFC Bank | ₹1,000 | ₹1,00,000 / yr | 3.5% | ₹4,20,000 / yr | mastercard | not yet verified |
| Flipkart Axis Bank Axis Bank | ₹500 | ₹3,50,000 / yr | 3.5% | ₹3,60,000 / yr | mastercard | not yet verified |
What each card returns on Amazon
Computed from catalog earn rates on online shopping, with caps applied and the fee counted unless your spend clears the waiver. Shown at ₹1,00,000 a year of Amazon spend.
| Spend | Per month | Swipe | Rate | Per year |
|---|---|---|---|---|
| Online shopping | ₹8,334 | Amazon Pay ICICI | 5% | ₹5,000 |
| Rewards a year | ₹5,000 | |||
| Annual fees paid | ₹0 | |||
| Net a year | ₹5,000 | |||
Computed from catalog earn rates with caps applied; fees exclude GST; welcome bonuses and perks are not counted. Not yet issuer-verified: Amazon Pay ICICI.
| Spend | Per month | Swipe | Rate | Per year |
|---|---|---|---|---|
| Online shopping | ₹8,334 | SBI Cashback | 5% | ₹5,000 |
| Rewards a year | ₹5,000 | |||
| Annual fees paid | ₹999 | |||
| Net a year | ₹4,001 | |||
Computed from catalog earn rates with caps applied; fees exclude GST; welcome bonuses and perks are not counted. Not yet issuer-verified: SBI Cashback.
| Spend | Per month | Swipe | Rate | Per year |
|---|---|---|---|---|
| Online shopping | ₹8,334 | SBI SimplyClick | 2.5% | ₹2,500 |
| Rewards a year | ₹2,500 | |||
| Annual fees paid(SBI SimplyClick waived on this spend) | ₹0 | |||
| Net a year | ₹2,500 | |||
Computed from catalog earn rates with caps applied; fees exclude GST; welcome bonuses and perks are not counted. Not yet issuer-verified: SBI SimplyClick.
| Spend | Per month | Swipe | Rate | Per year |
|---|---|---|---|---|
| Online shopping | ₹8,334 | Flipkart Axis Bank | 5% | ₹5,000 |
| Rewards a year | ₹5,000 | |||
| Annual fees paid | ₹500 | |||
| Net a year | ₹4,500 | |||
Computed from catalog earn rates with caps applied; fees exclude GST; welcome bonuses and perks are not counted. Not yet issuer-verified: Flipkart Axis Bank.
A few things the tables do not show:
- Amazon Pay ICICI pays its top Amazon rate to Prime members and a lower rate without Prime. Cashback arrives as Amazon Pay balance, which you can spend on Amazon and Amazon Pay merchants.
- SBI Cashback pays its online rate across most online merchants, not just Amazon, but the cashback is capped each month. Heavy online spenders hit the cap.
- SBI SimplyClick earns 10X reward points on a short list of partner sites, Amazon included. At ₹0.25 a point that is about 2.5%, plus spend milestones that pay travel vouchers.
- HDFC Millennia pays 5% on ten partner brands including Amazon, but the cashback is capped and the cap is shared across all ten. We have not yet confirmed the cap period against HDFC's terms, so we do not compute it here.
- Flipkart Axis is built for Flipkart. On Amazon it earns its general rate.
How spend level changes the answer
At ₹50,000 a year, a no-fee card wins almost by default, because any annual fee is a large share of the reward. At ₹2,00,000 a year, caps start to matter more than headline rates: a capped card stops earning its bonus rate partway through the year, while an uncapped card keeps going.
| Spend | Per month | Swipe | Rate | Per year |
|---|---|---|---|---|
| Online shopping | ₹16,667 | Amazon Pay ICICI | 5% | ₹10,000 |
| Rewards a year | ₹10,000 | |||
| Annual fees paid | ₹0 | |||
| Net a year | ₹10,000 | |||
Computed from catalog earn rates with caps applied; fees exclude GST; welcome bonuses and perks are not counted. Not yet issuer-verified: Amazon Pay ICICI.
| Spend | Per month | Swipe | Rate | Per year |
|---|---|---|---|---|
| Online shopping | ₹16,667 | SBI Cashback | 5% | ₹10,000 |
| Rewards a year | ₹10,000 | |||
| Annual fees paid(SBI Cashback waived on this spend) | ₹0 | |||
| Net a year | ₹10,000 | |||
Computed from catalog earn rates with caps applied; fees exclude GST; welcome bonuses and perks are not counted. Not yet issuer-verified: SBI Cashback.
Pair it, do not replace your main card
The Amazon card is a specialist. Keep your main card for everything else and use the Amazon card only where it leads. Because it has no annual fee, holding it as a second card costs nothing. Our stacking guide shows how to check whether a second card actually adds value.
Before you apply
- Check the current reward terms on ICICI's page, especially the Prime and non-Prime rates.
- Confirm you meet the stated income. See income requirements.
- Large festive-sale purchases often come with instant bank discounts that change the best card for that one purchase. Compare the sale offer with your card's normal rate.
Related
Card figures on CardPolo come from our catalog, each with an issuer source and a verified date where we have checked it. Spot something out of date? Tell us at [email protected].
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