Credit card savings
Move the slider to see which credit cards could save you the most on Amazon over a year.
Estimated value, based on your input and published reward rates as of the date shown on each card, not a guaranteed figure. Assumes only amazon spend, a salaried income of ₹75,000 a month and no fee limit. Merchant-specific offers and first-year benefits aren't counted, so estimates lean conservative. Ranked by estimated value only, never by commission; some links are affiliate links (disclosure).
#1
State Bank of India
≈ ₹5,001a year, after fees (estimate)
Reward rates verified 7 Aug 2026.
#2
ICICI Bank
≈ ₹3,600a year, after fees (estimate)
Reward rates verified 7 Aug 2026.
#3
HDFC Bank
≈ ₹3,000a year, after fees (estimate)
Reward rates verified 7 Aug 2026.
Want a result based on all your spending?
CardMatch starts with your ₹10,000 amazon spend and asks a few more questions.
Refine in CardMatch →Verified against the bank's own terms, with validity dates. All offers
Instant discount · Amazon
Kotak Mahindra Bank credit cards
Credit Card EMI only; min transaction INR 7,500 for Fashion, Home Kitchen and Furniture, INR 10,000 for other categories; COD and Net Banking not included; valid on exchange and part Amazon Pay balance payment if min spend met on card
Valid 1 Sep 2026 – 30 Sep 2026 · Verified 19 Sep 2026 · Source (opens in a new tab)
Instant discount · Amazon
Amazon Pay ICICI Bank Credit Card
EMI tenure 6 months and above only; min INR 7,490 in cart for Mobiles, TV, Large Appliances, Electronics, Fashion, Home, Kitchen and Furniture; not on debit cards; not applicable if part payment made with Amazon Pay Balance
Valid 1 Sep 2026 – 30 Sep 2026 · Verified 19 Sep 2026 · Source (opens in a new tab)
We take your monthly Amazon spend, apply each card's published reward rate for that category (respecting any monthly or annual caps), add rewards on the rest of your spending at the base rate, and subtract the annual fee unless your spend qualifies for a waiver. It is an estimate based on your inputs and the reward rates as of the date shown on each card, not a guaranteed figure.
We rank only cards whose reward rules we have verified against the issuer's own terms, by estimated net yearly value after fees. Cards without verified rules are never given a value number. Ranking never depends on commission.
Merchant-specific and tiered offers, first-year welcome benefits and joining fees are not counted in the yearly figure, so estimates lean conservative. Eligibility also depends on your income, credit profile and the issuer's decision. For a result based on all your spending, use CardMatch.
Some apply links are affiliate links and OnePaisa may earn a commission if you apply. It does not change the ranking or the estimates. See our disclosure page for details.
Some co-branded cards pay a higher rate for Prime members. Where a card lists both, we use the lower, non-Prime rate so the estimate does not overstate what you earn.