Amazon Pay Credit Card

•Requires minimum income of ...StandardOnline Shopping

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Highlights

Base Reward: 1.00% return (1 RP / ₹100)
Forex Markup: 1.99%

Welcome / Joining Benefit

Lifetime Free Credit Card – no joining or annual fee ever.

Points Expiry

Points never expire (Lifetime valid).

Joining Fee

LIFETIME FREE

Annual Fee

LIFETIME FREE

Renewal Fee

LIFETIME FREE

Joining Fee Waiver

Lifetime Free Credit Card – no joining or annual fee ever.

Annual Renewal Benefit

No renewal fee applicable (lifetime free card).

Other Charges

Foreign Exchange Markup1.99%

1.99% forex markup on all international transactions.

Basic Requirements

Minimum Age21 years

Maximum Age70 years

Eligible OccupationSalaried, Self-Employed

Additional Details

Requires minimum income of ₹20,000/month (Salaried) or ₹30,000/month (Self-employed).

Base Reward Rate

Points per Spend

1 RP

Per Every

₹100

Effective Return

Currency: Amazon Pay Balance — 1 point ≈ ₹1

Forex Markup: 1.99%

Accelerated & Special Rates

5 points per ₹100 spent on Amazon.in for Amazon Prime members (credited as Amazon Pay balance).

5% return

3 points per ₹100 spent on Amazon.in for Non-Prime members (credited as Amazon Pay balance).

3% return

2 points per ₹100 spent at partner merchants on Amazon Pay (e.g. Swiggy, BookMyShow).

2% return

1 point per ₹100 on all other spends (unlimited, no cap).

1% return

1% fuel surcharge waiver on all fuel purchases.

1% return

❌ No Points Earned On:

FuelWallet LoadRentEMI TransactionsJewelryGold and SilverTax PaymentsGovernment SpendsCash Withdrawal

Redemption Options

Cashback

Smart Redemption Tips

🏆 Best value: Cashback at ₹1/pt — maximize your returns here.

🪙 Reward currency: Cashback

Best Value

💰Cashback

Automatic cashback credited to Amazon Pay balance

₹1/pt