6 cards compared · rates checked against each bank's terms on 16 October 2026
Reviewed by Vineet Verma, Lead Financial Researcher & Credit Card Analyst
For ₹5,000 a month on Amazon, Amazon Pay ICICI Bank Credit Card returns ₹250 a month, about ₹3,000 a year, with no annual fee. (5% for Amazon Prime members, 3% without Prime.) Rates checked against each bank's terms on 16 October 2026.
Best at ₹5,000 a month
₹3,000 a year
on ₹5,000 a month, no annual fee
5% on Amazon, with no cap. 5% for Amazon Prime members, 3% without Prime.
Best with a fee of ₹500 or less
₹2,500 a year
on ₹5,000 a month, after the annual fee
5% on Amazon for a ₹500 annual fee.
Set what you spend on Amazon each month. The ranking updates as you go.
5% · no cap · ₹250 a month · no fee5% for Amazon Prime members, 3% without Prime
5% · cap ₹1,500 a billing cycle · ₹250 a month · ₹500 fee
5% · cap ₹1,500 a billing cycle · ₹250 a month · ₹1,000 fee
3% · cap ₹500 a month · ₹150 a month · ₹500 feePaid as PIXEL CashPoints
Yearly figures are cashback minus the annual fee, assuming Amazon is the only spend counting towards each card's cap. Most of these cards waive the fee once your total yearly spend crosses the bank's threshold.
At ₹5,000 a month on Amazon.
| Card | Rate | Cap | Cap reached at | A month | Annual fee | A year after fee |
|---|---|---|---|---|---|---|
| Amazon Pay ICICI Bank Credit Card | 5% | No cap | — | ₹250 | None | ₹3,000 |
| Swiggy Ornge HDFC Bank Credit Card | 5% | ₹1,500 a billing cycle | ₹30,000 a month | ₹250 | ₹500 | ₹2,500 |
| CASHBACK SBI Card | 5% | ₹2,000 a billing cycle | ₹40,000 a month | ₹250 | ₹999 | ₹2,001 |
| HDFC Millennia Credit Card | 5% | ₹1,000 a billing cycle | ₹20,000 a month | ₹250 | ₹1,000 | ₹2,000 |
| Swiggy BLCK HDFC Bank Credit Card | 5% | ₹1,500 a billing cycle | ₹30,000 a month | ₹250 | ₹1,000 | ₹2,000 |
| HDFC Pixel Play Credit Card | 3% | ₹500 a month | ₹16,667 a month | ₹150 | ₹500 | ₹1,300 |
What the best card pays at three common Amazon budgets, after its annual fee.
₹2,000 a month on Amazon
Amazon Pay ICICI Bank Credit Card
₹1,200 a year
₹100 a month in cashback, with no annual fee. Next best: Swiggy Ornge HDFC Bank Credit Card at ₹700.
₹5,000 a month on Amazon
Amazon Pay ICICI Bank Credit Card
₹3,000 a year
₹250 a month in cashback, with no annual fee. Next best: Swiggy Ornge HDFC Bank Credit Card at ₹2,500.
₹20,000 a month on Amazon
Amazon Pay ICICI Bank Credit Card
₹12,000 a year
₹1,000 a month in cashback, with no annual fee. Next best: Swiggy Ornge HDFC Bank Credit Card at ₹11,500.
The fine print from each bank, in plain words.
We include only cards whose Amazon rate, cap and conditions we've checked against the bank's card page or terms. We apply each rate to your spend, stop at the cap, and count nothing after it unless the bank says otherwise. Cards are ordered by cashback a year minus the annual fee. Limited-time coupons are left out.
Amazon Pay ICICI Bank Credit Card (5%, with no cap), HDFC Millennia Credit Card (5%, up to ₹1,000 a billing cycle), Swiggy BLCK HDFC Bank Credit Card (5%, up to ₹1,500 a billing cycle), Swiggy Ornge HDFC Bank Credit Card (5%, up to ₹1,500 a billing cycle) and CASHBACK SBI Card (5%, up to ₹2,000 a billing cycle) pay the highest rate on Amazon. For ₹5,000 a month on Amazon, Amazon Pay ICICI Bank Credit Card returns ₹250 a month, about ₹3,000 a year, with no annual fee. (5% for Amazon Prime members, 3% without Prime.)
Amazon Pay ICICI Bank Credit Card has the lowest fee here, with no annual fee, and pays 5% on Amazon, with no cap. At ₹5,000 a month that is ₹3,000 a year.
5% for Amazon Prime members, 3% without Prime. Invite-only: ICICI Bank and Amazon offer it to selected customers.
Paid as PIXEL CashPoints. Choose Amazon as your e-commerce platform in the PayZapp app.
Of the cards here, Swiggy Ornge HDFC Bank Credit Card has the lowest stated income requirement, ₹20,000 a month, and pays 5% on Amazon, up to ₹1,500 a billing cycle.
Swiggy Ornge HDFC Bank Credit Card at about ₹30,000 a month; CASHBACK SBI Card at about ₹40,000 a month; HDFC Millennia Credit Card at about ₹20,000 a month; Swiggy BLCK HDFC Bank Credit Card at about ₹30,000 a month; HDFC Pixel Play Credit Card at about ₹16,667 a month. Beyond that, these cards pay nothing extra on Amazon unless noted on the page.
HDFC Millennia Credit Card's ₹1,000 cap is shared with Flipkart, Myntra, Swiggy, Zomato, Uber and four other merchants. Swiggy BLCK HDFC Bank Credit Card's ₹1,500 cap is shared with Flipkart, Myntra and other select online merchants. Swiggy Ornge HDFC Bank Credit Card's ₹1,500 cap is shared with Swiggy and other select online merchants. CASHBACK SBI Card's ₹2,000 cap is shared with all other online spends.
