Amazon शॉपिंग के लिए सर्वश्रेष्ठ क्रेडिट कार्ड (2026)
Amazon शॉपिंग के लिए सबसे अच्छा क्रेडिट कार्ड — net value, fees और eligibility। 6 amazon shopping cards compared on fees, caps, and net returns for 2026. 6 amazon shopping cards compared on fees, caps, and net returns for 2026.
Updated 6 अक्टूबर 2026·6 cards · 5 min scan·CardHungry
Top pick · Axis Bank Flipkart Credit Card
Net / yr
₹5,142
Annual fee
Free
Return
1.4%
Top picks
Net annual value · moderate spend
Number one pick: Axis Bank Flipkart Credit Card, ₹5,142 per year net
Axis Bank Flipkart Credit Card
Axis Bank
Net / yr
₹5,142
Fee
₹500
Top
5%
- ✓Best net value on this list — about ₹5,142/yr in your pocket after fees on typical spends.
- ✓Best for flipkart — 5%, up to ₹4,000/quarter.
Swiggy BLCK HDFC Bank Credit Card
HDFC Bank
Net / yr
₹4,746
Fee
₹1,000
Top
10%
- ✓Strong runner-up at ₹4,746/yr net — roughly ₹396 behind #1 on the same spend mix.
- ✓Best for swiggy / instamart / dineout — 10%, up to ₹1,500/mo cashback.
Axis Bank Flipkart Credit Card
Axis Bank
Net / yr
₹5,142
Fee
₹500
Top
5%
- ✓Best net value on this list — about ₹5,142/yr in your pocket after fees on typical spends.
- ✓Best for flipkart — 5%, up to ₹4,000/quarter.
Swiggy ORNGE HDFC Bank Credit Card
HDFC Bank
Net / yr
₹4,116
Fee
₹500
Top
5%
- ✓Worth a look — ₹4,116/yr net, still ahead of 3 other eligible cards.
- ✓Best for swiggy / instamart / dineout — 5%, up to ₹1,500/mo cashback.
Why #2–#6 rank here
Ranked by net annual value on a moderate spend profile. Each line ties to issuer T&Cs, fees, caps, and your eligibility band. How we calculate NAV
- Strong runner-up at ₹4,746/yr net — roughly ₹396 behind #1 on the same spend mix.
- Best for swiggy / instamart / dineout — 10%, up to ₹1,500/mo cashback.
- Fee likely waived if you spend ₹2,00,000/yr — worth it on moderate usage.
2Swiggy BLCK HDFC Bank Credit CardHDFC Bank
- Strong runner-up at ₹4,746/yr net — roughly ₹396 behind #1 on the same spend mix.
- Best for swiggy / instamart / dineout — 10%, up to ₹1,500/mo cashback.
- Fee likely waived if you spend ₹2,00,000/yr — worth it on moderate usage.
Full review →Net / yr
₹4,746
- Worth a look — ₹4,116/yr net, still ahead of 3 other eligible cards.
- Best for swiggy / instamart / dineout — 5%, up to ₹1,500/mo cashback.
- Fee likely waived if you spend ₹1,50,000/yr — worth it on moderate usage.
3Swiggy ORNGE HDFC Bank Credit CardHDFC Bank
- Worth a look — ₹4,116/yr net, still ahead of 3 other eligible cards.
- Best for swiggy / instamart / dineout — 5%, up to ₹1,500/mo cashback.
- Fee likely waived if you spend ₹1,50,000/yr — worth it on moderate usage.
Full review →Net / yr
₹4,116
- #4 here with ₹3,793/yr net (~1.02% back on your spends).
- Best for amazon (prime) — 5%.
- No annual fee — what you earn isn't eaten by membership cost.
4ICICI Amazon Pay Credit CardICICI Bank
- #4 here with ₹3,793/yr net (~1.02% back on your spends).
- Best for amazon (prime) — 5%.
- No annual fee — what you earn isn't eaten by membership cost.
Full review →Net / yr
₹3,793
- #5 here with ₹3,612/yr net (~0.97% back on your spends).
- Best for 10 named online merchants — 5%, up to ₹1,000/mo.
- Fee likely waived if you spend ₹1,00,000/yr — worth it on moderate usage.
5HDFC Millennia Credit CardHDFC Bank
- #5 here with ₹3,612/yr net (~0.97% back on your spends).
- Best for 10 named online merchants — 5%, up to ₹1,000/mo.
- Fee likely waived if you spend ₹1,00,000/yr — worth it on moderate usage.
Full review →Net / yr
₹3,612
- #6 here with ₹630/yr net (~0.17% back on your spends).
- Best for online spends — 2 RP/₹100, up to 1,000 RP.
- Fee likely waived if you spend ₹1,00,000/yr — worth it on moderate usage.
6Bajaj Finserv RBL Bank SuperCardRBL Bank
- #6 here with ₹630/yr net (~0.17% back on your spends).
- Best for online spends — 2 RP/₹100, up to 1,000 RP.
- Fee likely waived if you spend ₹1,00,000/yr — worth it on moderate usage.
Full review →Net / yr
₹630
Why each card ranks here
Ranked by net annual value on a moderate spend profile. Each line ties to issuer T&Cs, fees, caps, and your eligibility band. How we calculate NAV
- Best net value on this list — about ₹5,142/yr in your pocket after fees on typical spends.
- Best for flipkart — 5%, up to ₹4,000/quarter.
- Fee likely waived if you spend ₹3,50,000/yr — worth it on moderate usage.
1Axis Bank Flipkart Credit CardAxis Bank
- Best net value on this list — about ₹5,142/yr in your pocket after fees on typical spends.
- Best for flipkart — 5%, up to ₹4,000/quarter.
- Fee likely waived if you spend ₹3,50,000/yr — worth it on moderate usage.
Full review →Net / yr
₹5,142
- Strong runner-up at ₹4,746/yr net — roughly ₹396 behind #1 on the same spend mix.
- Best for swiggy / instamart / dineout — 10%, up to ₹1,500/mo cashback.
- Fee likely waived if you spend ₹2,00,000/yr — worth it on moderate usage.
2Swiggy BLCK HDFC Bank Credit CardHDFC Bank
- Strong runner-up at ₹4,746/yr net — roughly ₹396 behind #1 on the same spend mix.
- Best for swiggy / instamart / dineout — 10%, up to ₹1,500/mo cashback.
- Fee likely waived if you spend ₹2,00,000/yr — worth it on moderate usage.
Full review →Net / yr
₹4,746
- Worth a look — ₹4,116/yr net, still ahead of 3 other eligible cards.
- Best for swiggy / instamart / dineout — 5%, up to ₹1,500/mo cashback.
- Fee likely waived if you spend ₹1,50,000/yr — worth it on moderate usage.
3Swiggy ORNGE HDFC Bank Credit CardHDFC Bank
- Worth a look — ₹4,116/yr net, still ahead of 3 other eligible cards.
- Best for swiggy / instamart / dineout — 5%, up to ₹1,500/mo cashback.
- Fee likely waived if you spend ₹1,50,000/yr — worth it on moderate usage.
Full review →Net / yr
₹4,116
- #4 here with ₹3,793/yr net (~1.02% back on your spends).
- Best for amazon (prime) — 5%.
- No annual fee — what you earn isn't eaten by membership cost.
4ICICI Amazon Pay Credit CardICICI Bank
- #4 here with ₹3,793/yr net (~1.02% back on your spends).
- Best for amazon (prime) — 5%.
- No annual fee — what you earn isn't eaten by membership cost.
Full review →Net / yr
₹3,793
- #5 here with ₹3,612/yr net (~0.97% back on your spends).
- Best for 10 named online merchants — 5%, up to ₹1,000/mo.
- Fee likely waived if you spend ₹1,00,000/yr — worth it on moderate usage.
5HDFC Millennia Credit CardHDFC Bank
- #5 here with ₹3,612/yr net (~0.97% back on your spends).
- Best for 10 named online merchants — 5%, up to ₹1,000/mo.
- Fee likely waived if you spend ₹1,00,000/yr — worth it on moderate usage.
Full review →Net / yr
₹3,612
- #6 here with ₹630/yr net (~0.17% back on your spends).
- Best for online spends — 2 RP/₹100, up to 1,000 RP.
- Fee likely waived if you spend ₹1,00,000/yr — worth it on moderate usage.
6Bajaj Finserv RBL Bank SuperCardRBL Bank
- #6 here with ₹630/yr net (~0.17% back on your spends).
- Best for online spends — 2 RP/₹100, up to 1,000 RP.
- Fee likely waived if you spend ₹1,00,000/yr — worth it on moderate usage.
Full review →Net / yr
₹630
Net value snapshot
Rewards minus annual fee on your spend profile
- #1Axis Bank Flipkart Credit Card₹5,142#1Axis Bank Flipkart Credit Card₹5,142
- #2Swiggy BLCK HDFC Bank Credit Card₹4,746#2Swiggy BLCK HDFC Bank Credit Card₹4,746
- #3Swiggy ORNGE HDFC Bank Credit Card₹4,116#3Swiggy ORNGE HDFC Bank Credit Card₹4,116
- #4ICICI Amazon Pay Credit Card₹3,793#4ICICI Amazon Pay Credit Card₹3,793
- #5HDFC Millennia Credit Card₹3,612#5HDFC Millennia Credit Card₹3,612
Before you apply
Category fit first
This guide ranks amazon shopping cards by net annual value — pick the one that matches your real spends in this category.
Net value over hype
Subtract annual fees and model monthly caps before comparing headline reward rates.
Apply once
One well-matched application beats multiple CIBIL enquiries in the same month.
Frequently asked questions
Which credit card is best for amazon shopping in India?+
No single winner — it depends on monthly amazon shopping spend, caps, and fee structure. This guide compares 6+ cards by net annual value.
Are reward caps important for amazon shopping cards?+
Critical. A high rate with a low cap often loses to a lower unlimited rate. Always convert caps to absolute annual currency.
Do amazon shopping cards work with wallets and QR payments?+
Often not. Wallet loads, rent, EMI, and government payments are commonly excluded. Check issuer MCC exclusions before applying.
Can I hold multiple amazon shopping cards?+
Yes, but one primary amazon shopping card plus a general-purpose backup is usually optimal. Diminishing returns after that.
Will CardHungry spam me after I apply?+
No. Zero outbound sales calls. Optional email updates capped at 2 messages. One-click unsubscribe.
Full written guide
Methodology, tables, eligibility & fine print · ~8 min read
Full written guide
Methodology, tables, eligibility & fine print · ~8 min read
Looking for the best credit card for amazon shopping in India? Generic top-10 listicles ignore your income, monthly caps, excluded MCCs, and whether you can actually get approved. This CardHungry guide analyses 6 leading cards with reward rules, net annual value across three spend profiles, exclusions, and who each card suits best — updated June 2026.
Amazon co-brand cards (ICICI Amazon Pay, SBI Cashback on Amazon) only win if Amazon is a dominant share of your wallet. For mixed online shopping across Flipkart, Myntra, and direct merchants, a general 5% online card may outperform after caps.
On this page
What matters for amazon shopping cards
- Effective rate after caps — divide annual cap by annual spend to get true yield.
- Category MCC coding — some merchants classify as "general" not "amazon shopping".
- Partner lock-in — co-brand cards only win at specific merchants.
- Annual fee breakeven — fee must be recovered from amazon shopping rewards alone or cross-category value.
- Stacking rules — most issuers forbid combining offers; read T&Cs.
Annual fee breakeven example
If a card charges ₹999/year and offers 5% on amazon shopping with a ₹5,000/month cap, maximum amazon shopping rewards = ₹6,000/year. Net after fee = ₹5,001 — but only if you actually hit the cap every month. Partial spends reduce this sharply.
Net value by spend profile
| Card | Light spender | Moderate | Heavy |
|---|---|---|---|
| Axis Bank Flipkart Credit Card | ₹1,618 | ₹5,142 | ₹11,676 |
| Swiggy BLCK HDFC Bank Credit Card | ₹938 | ₹4,746 | ₹9,948 |
| Swiggy ORNGE HDFC Bank Credit Card | ₹1,848 | ₹4,116 | ₹8,688 |
| ICICI Amazon Pay Credit Card | ₹1,632 | ₹3,793 | ₹8,405 |
| HDFC Millennia Credit Card | ₹1,632 | ₹3,612 | ₹7,680 |
Net annual value after annual fee and estimated forex. Caps applied per issuer T&Cs.
Top amazon shopping credit cards — full breakdown
1. Axis Bank Flipkart Credit Card
Issuer: Axis Bank · Tier: Gold · Annual fee: ₹500 · Signup bonus: ₹500
Flipkart native
Eligibility snapshot
- Min monthly income (salaried): ₹25,000
- Secured / FD-backed: No — standard unsecured
- Approval note: Indicative only. CIBIL checked by bank at application, not by CardHungry.
Reward structure
- online shopping: 5% cashback — cap ₹1,333/month (Flipkart only)
- online shopping: 7.5% cashback — cap ₹1,333/month (Myntra only)
- travel: 5% cashback — cap ₹1,333/month (Cleartrip only)
- dining: 4% cashback (Swiggy, PVR only)
- travel: 4% cashback (Uber only)
Headline highlight: 5% on Flipkart (cap ₹4,000/quarter)
Net value estimate (moderate spend profile)
- Gross annual rewards: ₹5,562
- Annual fee: −₹0
- Forex markup cost (est.): −₹420 (3.5% on international spends)
- Net annual value: ₹5,142 (1.38% effective return)
Key benefits
- 5% on Flipkart
- 7.5% on Myntra
- 1% unlimited on other spends
Exclusions & fine print
Typically excluded or reduced: EMI, Fuel, Rent, Wallet, Insurance.
Best for: Flipkart/Myntra खरीदार · पार्टनर स्पेंड पर अतिरिक्त रिवॉर्ड
Read full Axis Bank Flipkart Credit Card review with spend simulator →
2. Swiggy BLCK HDFC Bank Credit Card
Issuer: HDFC Bank · Tier: Platinum · Annual fee: ₹1,000
Max Swiggy cashback
Eligibility snapshot
- Min monthly income (salaried): ₹25,000
- Secured / FD-backed: No — standard unsecured
Reward structure
- dining: 10% cashback — cap ₹1,500/month (Swiggy only)
- online shopping: 5% cashback — cap ₹1,500/month (Swiggy, Instamart only)
- all: 1% cashback — cap ₹1,000/month
Headline highlight: 10% on Swiggy / Instamart / Dineout (cap ₹1,500/mo cashback)
Net value estimate (moderate spend profile)
- Gross annual rewards: ₹5,166
- Annual fee: −₹0
- Forex markup cost (est.): −₹420 (3.5% on international spends)
- Net annual value: ₹4,746 (1.28% effective return)
Key benefits
- 10% Swiggy cashback
- 5% on online spends
- 3-month Swiggy BLCK membership
Exclusions & fine print
Typically excluded or reduced: EMI, Fuel, Rent, Wallet loads.
Best for: भारी Swiggy और Instamart उपयोगकर्ता · अधिकतम फूड डिलीवरी कैशबैक
Read full Swiggy BLCK HDFC Bank Credit Card review with spend simulator →
3. Swiggy ORNGE HDFC Bank Credit Card
Issuer: HDFC Bank · Tier: Gold · Annual fee: ₹500
Entry Swiggy tier
Eligibility snapshot
- Min monthly income (salaried): ₹25,000
- Secured / FD-backed: No — standard unsecured
Reward structure
- dining: 5% cashback — cap ₹1,500/month (Swiggy only)
- online shopping: 5% cashback — cap ₹1,500/month (Swiggy, Instamart only)
- all: 1% cashback — cap ₹1,000/month
Headline highlight: 5% on Swiggy / Instamart / Dineout (cap ₹1,500/mo cashback)
Net value estimate (moderate spend profile)
- Gross annual rewards: ₹4,536
- Annual fee: −₹0
- Forex markup cost (est.): −₹420 (3.5% on international spends)
- Net annual value: ₹4,116 (1.11% effective return)
Key benefits
- 5% Swiggy cashback
- 5% on online spends
- 12-month Swiggy One membership
Exclusions & fine print
Typically excluded or reduced: EMI, Fuel, Rent, Wallet loads.
Best for: Swiggy और Instamart उपयोगकर्ता · मध्यम फूड डिलीवरी खर्च
Read full Swiggy ORNGE HDFC Bank Credit Card review with spend simulator →
4. ICICI Amazon Pay Credit Card
Issuer: ICICI Bank · Tier: Gold · Annual fee: Lifetime free
Amazon native
Eligibility snapshot
- Min monthly income (salaried): ₹25,000
- Secured / FD-backed: No — standard unsecured
Reward structure
- online shopping: 5% cashback (Amazon only)
- online shopping: 3% cashback (Amazon only)
- all: 1% cashback
Headline highlight: 5% on Amazon (Prime)
Net value estimate (moderate spend profile)
- Gross annual rewards: ₹4,032
- Annual fee: −₹0
- Forex markup cost (est.): −₹239 (1.99% on international spends)
- Net annual value: ₹3,793 (1.02% effective return)
Key benefits
- 5% Amazon Prime
- 3% Amazon non-Prime
- 2% Amazon Pay partners
- Lifetime free
Exclusions & fine print
Typically excluded or reduced: EMI, Fuel, Rent, Wallet, Jewellery.
Best for: Amazon Prime सदस्य · Amazon-केंद्रित खरीदारी · आजीवन मुफ्त कार्ड चाहने वाले
Read full ICICI Amazon Pay Credit Card review with spend simulator →
5. HDFC Millennia Credit Card
Issuer: HDFC Bank · Tier: Gold · Annual fee: ₹1,000 · Signup bonus: ₹1,000
Millennial favourite
Eligibility snapshot
- Min monthly income (salaried): ₹35,000
- Secured / FD-backed: No — standard unsecured
Reward structure
- online shopping: 5% cashback — cap ₹1,000/month (Amazon, Flipkart, Myntra, Swiggy, Zomato, Uber, BookMyShow, Cult.fit, Sony LIV, Tata CLiQ only)
- all: 1% cashback
Headline highlight: 5% on 10 named online merchants (cap ₹1,000/mo)
Net value estimate (moderate spend profile)
- Gross annual rewards: ₹4,032
- Annual fee: −₹0
- Forex markup cost (est.): −₹420 (3.5% on international spends)
- Net annual value: ₹3,612 (0.97% effective return)
Key benefits
- 5% on partners
- 1% cashback on other spends
- SmartBuy rewards
Exclusions & fine print
Typically excluded or reduced: EMI, Fuel, Rent, Wallet, Government.
Best for: SmartBuy पोर्टल उपयोगकर्ता · ₹35K+ आय · पार्टनर डील खोजने वाले
Read full HDFC Millennia Credit Card review with spend simulator →
6. Bajaj Finserv RBL Bank SuperCard
Issuer: RBL Bank · Tier: Gold · Annual fee: ₹999
EMI & loan features
Eligibility snapshot
- Min monthly income (salaried): ₹25,000
- Secured / FD-backed: No — standard unsecured
Reward structure
- online shopping: 3X points — cap ₹250/month
- all: 1.5X points
Headline highlight: 2 RP/₹100 on Online spends (cap 1,000 RP)
Net value estimate (moderate spend profile)
- Gross annual rewards: ₹1,050
- Annual fee: −₹0
- Forex markup cost (est.): −₹420 (3.5% on international spends)
- Net annual value: ₹630 (0.17% effective return)
Key benefits
- No-cost EMI options
- Emergency loan on card
- Reward points never expire
Exclusions & fine print
Typically excluded or reduced: EMI interest, Cash advance.
Best for: EMI shoppers · Loan-on-card feature · Bajaj ecosystem
Read full Bajaj Finserv RBL Bank SuperCard review with spend simulator →
Common amazon shopping card mistakes
- Choosing a partner card when you split spends across merchants.
- Ignoring wallet-load exclusions (PhonePe/Paytm loads often earn zero).
- Paying annual fee without hitting fee-waiver spend threshold.
- Assuming surcharge waiver equals reward rate (fuel cards).
Compare before you apply
Headline rates mislead. Compare your top two picks side-by-side or use the 2-minute quiz for a ranked shortlist including cards you may not have considered.
Disclaimer
Reward rates, caps, and fees sourced from issuer public T&Cs as of June 2026. CardHungry is a third-party platform — not a bank, not a credit bureau. Approval not guaranteed. We earn commission if approved — at no cost to you. Zero sales calls.
Related guides
Your spends are different
These picks use the moderate profile above. Edit spends to re-rank this page, or take CardHungry's quiz — no CIBIL pull.
CardHungry is a third-party recommendation platform, not a bank or credit bureau. Approval estimates are indicative based on public eligibility criteria. Reward calculations use issuer T&Cs and may change. We earn commission if you are approved — at no cost to you.