As online shopping develops into an everyday routine, Amazon Pay Credit Cards have become a powerful mechanism to save money while spending and earn cashback. These credit cards are uniquely built to improve your shopping experience at Amazon.in, and you can earn rewards on every purchase and additional benefits if you are a Prime member. Regardless if you shop at Amazon a lot, or you’re looking to optimize everyday purchases, the best Amazon Pay credit card for you will help you find the best combination of value. Here’s a rundown of the best Amazon Pay credit cards available in India.
1. Amazon Pay ICICI Bank Credit Card
- Best Overall for Amazon Customers,
- Type: Lifetime Free,
- Annual Fee: ₹0 (No Joining & Renewal Fee)
- Eligibility: All customers of Amazon (Prime or Non-prime)
- Highlights:
- 5% cashback on Amazon purchases (for Prime members)
- 3% on Amazon purchases (for non-primes)
- 2% cashback for purchases at partner merchants utilizing Amazon Pay.
- 1% cashback on everything else.
- Cashback is unlimited and will be credited to your account as Amazon Pay instantly.
- Pros:
- No annual costs, hidden costs or any costs
- Eligible customers can get issued a card instantly
- Great integration into your Amazon account
- Can be executed as a regular credit card for in-store purchases and online.
- Perfect for:
- Avid Amazon shoppers, especially free, hassle free Cashback for Prime members.
2. ICICI Bank Coral Credit Card (Includes Amazon Pay Benefits)
- Great for Mixed Spending with some Amazon rewards
- Type: Paid (Annual fee of ₹500, but waived on spends for ₹1.5L per annum)
- Amazon Integration: Not an Amazon card as such, but would qualify for cashback offers from Amazon Pay and ICICI bank tie-in offers.
- Key Benefits:
- Fairly good reward points on all spendings
- Discounts on dining offers, movie ticket offers
- E-commerce specific offers relating to Amazon and Flipkart sales and tie ups
- Pros:
- A reasonable card with lifestyle benefits as an all-rounder
- Also don’t forget that you can convert to Amazon Pay cash with offers
- Best For:
- People that do a lot of shopping on Amazon and Flipkart with an interest in entertainment and lifestyle offers with it.
Also read: Best IndusInd Bank Credit Cards with Lounge Access, Lifestyle Rewards & More!
3. HDFC Millennia Credit Card (Amazon and Flipkart Friendly)
- Best for Online Shoppers Who Use More Than One Platform
- Type: Paid (₹1,000 annual fee: waived on ₹1L spend in a year)
- Amazon Pay Benefit: Cashback on Amazon and more
- Key Benefits:
- 5% cashback on Amazon, Flipkart and other big e-commerce platforms
- 1% cashback on any and all offline spends
- Lounge access complimentary (Domestic airports)
- Cashback is paid to you automatically each month
- Pros:
- Multi-platform cents friendly
- Good for travel and offline too
- Ideal For:
- Folks who frequently buy on Amazon, Flipkart and other online stores who want a card that will give them cashback on a versatile number of platforms.
| Feature | Amazon Pay ICICI Card | ICICI Coral Card | HDFC Millennia Card |
| Annual Fee | ₹0 | ₹500 (waived) | ₹1,000 (waived) |
| Amazon Cashback (Prime) | 5% | Varies via offers | 5% |
| Cashback Limit | Unlimited | Capped | ₹1,000/month (online) |
| Prime Advantage | Yes | Limited | No |
| Other Benefits | 2% on Amazon Pay partners | Dining, movies | Lounge, online platforms |
Final Verdict
If you have a Prime membership and frequently use Amazon, the Amazon Pay ICICI Credit Card is an easy choice—it’s free for life, and 5% cash back is one of the best offers on the market. However, if you shop on multiple platforms and prioritize travel perks or lifestyle features, the HDFC Millennia or ICICI Coral might be a better option. Before applying, always consider:
- Your monthly Amazon spends
- If you are a Prime member
- Your interest in offline perks or other platforms
Written by Pranjal Data
