Key Details
₹3.0L
Min Income (Annual)
Rewards
5% on Amazon (Prime), 2% on bill payments, 1% on other spends
Best For
Amazon Prime members
Lounge Access
None
Fuel Surcharge Waiver
1% on ₹100-3000 transactions
Crediya's Verdict
If you have Amazon Prime and spend heavily on Amazon, this is a no-brainer. The 5% effective cashback on Amazon is the best in the market. The 2% on bill payments is a solid bonus. The catch? Rewards are locked into Amazon Pay balance, so you're tied to the ecosystem. For Amazon loyalists, nothing beats this card.
Pros
✓ 5% back on Amazon with Prime membership
✓ 2% on bill payments (utilities, recharges)
✓ 1% on all other spends
✓ No joining fee
✓ Amazon Pay balance — easy to use
Cons
✗ Rewards only as Amazon Pay balance
✗ 5% drops to 3% without Prime
✗ No lounge access
✗ Limited utility outside Amazon ecosystem
Hidden Fees & Charges
⚠ Annual fee ₹500 from 2nd year (waived on ₹2L spend)
⚠ Late payment: ₹100-1300
⚠ Cash advance: 2.5% (min ₹300)
⚠ Forex markup: 3.5%