Cashback Credit Cards with Amazon & Flipkart Offers in India 2026

Lifetime free card

3%-5% cashback on Amazon India
– Amazon Prime members : You earn ₹5 (in Amazon Pay balance) on every ₹100 you spend on Amazon India – no monthly limit on earning this special cashback
– Non-Prime members : You earn ₹3 (in Amazon Pay balance) on every ₹100 you spend on Amazon – no monthly limit on earning this special cashback
Exceptions-
– No casback is given on the following spends on Amazon India – physical and digital gold, all types of EMI transactions, Amazon Business transactions.
– 2% cashback is given on the following spends on Amazon India – Amazon gift card purchases, and e-book purchases.

2% cashback on 100+ Amazon Pay partners, by paying through your Amazon Pay Wallet : You earn ₹2 (in Amazon Pay balance) on every ₹100 you spend on 100+ Amazon Pay partner merchants. Amazon Partner merchants include brands like Yatra, BookMyShow, FreshMenu, Faasos, Byju’s, Urban Ladder etc.

1% cashback on all other spends : You earn ₹1 on every ₹100 you spend on all other card purchases.

1% fuel surcharge waiver : You get fuel surcharge waiver at all fuel stations, on fuel transactions upto ₹4,000.

Welcome benefits (limited time offer) through Amazon account
– Prime members : You get a welcome offer of upto ₹2000 in the form of coupons and cashback upon activation.
– Non-Prime members : You get a welcome offer of upto ₹1500 in the form of coupons and cashback upon activation, along with 3 months of complimentary Prime membership.

Benefits
– Good reward rate on Amazon India – 5% unlimited cashback for Prime members, 3% unlimited cashback for non-Prime members.
– 2% unlimited cashback on over 100+ Amazon Pay Partners .
– Not only is the Amazon Pay ICICI Bank Credit Card free for life, it also has very good welcome offers.
– High cashback rewards on Amazon have no monthly spending limit to earn these rewards, unlike many other credit cards in the industry which have monthly restrictions on earning high rewards.

Drawbacks
– Cashback rate is low for non-regular Amazon users, and for those who prefer in-store shopping.
– No lifestyle benefits such as complimentary airport lounge access.
– 5% cashback is restricted to Prime members only

5% cashback at a variety of partners – Amazon || Flipkart || Myntra || Tata CLiQ || Swiggy || Zomato || BookMyShow || Sony LIV || Cult.fit || Uber
– You earn ₹5 cashback, on every ₹100 you spend at these 10 partners – only on total purchases upto ₹20,000 per month.
– Exceptions : 1% cashback is given on – EMI transactions (at merchant location), wallet loads, gift card/ prepaid card loads & voucher purchases.

1% cashback on all other card spends
– You earn ₹1 cashback, on every ₹100 you spend on all other purchases – only on purchases upto ₹1 lakh per month
– Exceptions : No cashback is given on fuel purchases, rent payments, government-related transactions, post facto EMI transactions (Smart EMI, Dial an EMI).
For full list of terms and conditions, please click here – HDFC Millenia Terms & Conditions

Upto 1% additional milestone benefits : You get gift vouchers worth ₹1000, at ₹1 lakh quarterly card spend

1% fuel surcharge waiver, upto ₹250 per month
– You get fuel surcharge waiver at all fuel stations
– Only on fuel transactions between ₹400 and ₹5000, and
– Only on fuel purchases upto ₹25000 per month (since the waiver amount is limited to ₹250 per month)

Dining benefits (HDFC Swiggy Dineout Program) - 7.50% discount (upto ₹250 per order), twice a month
– Valid only for payments made through the Swiggy app, on dining transactions more than ₹2000.

Benefits
– 5% cashback at important and relevant partners including Amazon & Flipkart – catering diverse needs
– Attractive annual free related offers : While the first year annual fee is compensated by joining benefits, the credit card is virtually free if you spend ₹1 lakh or more in a year.

Drawbacks
– Not a suitable credit card for those who do not like to shop & spend online
– 5% cashback is restricted to certain partners

5% cashback on Flipkart : You earn ₹5 cashback, on every ₹100 you spend on Flipkart. No monthly limits on earning cashback at this special rate.

4% cashback on preferred merchants – Swiggy || Uber || PVR || Cleartrip || Cult Fit : You earn ₹4 cashback, on every ₹100 you spend at these select partners. No monthly limits on earning cashback at this special rate.

1.50% cashback on all other spends
- Exceptions: No cashback is given on fuel spends, purchase of gift cards on Flipkart & Myntra, all EMI transactions, wallet loading transactions, purchase of jewellery items , insurance services, utilities, educational services, government services, cash advances, rental payments, payment of outstanding balances, payment of card fees and other card charges.

Complementary domestic airport lounge access – 4 times per year

1% fuel surcharge waiver, upto ₹400 per month  : You get fuel surcharge waiver at all fuel stations-
– Only on fuel transactions between ₹400 and ₹4000, and
– Only on fuel purchases upto ₹40,000 per month (since waiver amount is capped at ₹400 per monthly card statement cycle)
– Both the above conditions need to be met to avail fuel surcharge waiver

Benefits
– 5% cashback on Flipkart purchases
– 4% cashback rate at select partners – Swiggy, Uber, PVR, Cleartrip, Tata Play, Cult Fit
– Complimentary airport lounge access at domestic airports – 4 per calendar year
– Welcome offers worth ₹600

Drawbacks
– High annual spend target (of ₹3.50 lakhs) to get renewal fee waiver

5% cashback on all online spends || 1% cashback on all other card spends
– You earn ₹5 cashback, on every ₹100 you spend on online transactions || You earn ₹1 cashback, on every ₹100 you spend on all other card transactions.
– Exceptions : No cashback is given on the following purchases & payments – rent, fuel, utility bills, insurance, wallet loads, school & educational services, jewelry, railways, EMI transactions, cash advances, balance transfer, returns & refunds.
– Maximum cashback given is restricted to ₹5000 per month.
– Cashback is credited to your card account, within 2 days of next card statement generation date.

1% fuel surcharge waiver, upto ₹100 per month
– Fuel surcharge is given only on fuel transactions between ₹500 and ₹3000, and
– Only on fuel purchases upto ₹10,000 per month (since the waiver amount is restricted to ₹100 per monthly card statement cycle)

Benefits
– Good card for those comfortable with online shopping and spending.
– No restrictions on online merchants or categories to earn 5% cashback, unlike many other cards in the industry.

Drawbacks
– Not a good card for those who are not comfortable with online shopping and spending , since cashback rate of 1% is low for such purchases
– High annual card spend requirement (of ₹2 lakhs) to get annual fee waiver.

3.3% cashback at 5 partners – Amazon || Flipkart || BigBasket || Reliance Smart Superstore || Swiggy, on total purchases upto ₹18750 per month
– You earn 13.3 cash points worth ₹3.3, on every ₹100 you spend at these partners – only on purchases upto ₹18,750 per month
– 1 CashPoint = ₹0.25, and can be redeemed as cashback against your credit card statement balance

1.67% cashback on EMI transactions at merchant locations
– You get 6.66 CashPoints worth 1.67, on every ₹100 you spend on EMI transactions at the time of purchase
– 1 CashPoint = ₹0.25, and can be redeemed as cashback against your credit card statement balance

0.33% cashback on all other card spends
– You get 1.33 CashPoints worth 33 paise, on every ₹100 you spend on all other card purchases.
– 1 CashPoint = ₹0.25, and can be redeemed as cashback against your credit card statement balance

Upto 1% additional milestone benefits : You get gift vouchers worth ₹500, at ₹50,000 quarterly card spend

1% fuel surcharge waiver, upto ₹250 per month
– Only on fuel transactions between ₹400 and ₹5000, and
– Only on fuel purchases of upto ₹25,000 per month only (since the maximum waiver amount is capped at ₹250 per monthly card statement cycle)

Benefits
– 3.3% cashback at important merchants including Amazon, Flipkart, etc, catering to diverse needs
– Low yearly card spend target of ₹50,000, to get annual fee waiver. Hence the card is virtually free at ₹50,000 yearly card spend.

Drawbacks to consider
– 3.3% cashback is restricted to certain merchants

Cashback at various partners –
✔︎ 5% special cashback on a variety of partners including Amazon
– Shopping : Amazon || Amazon Prime || Big Basket || Grofers || Myntra || Furlenco
– Travel : Goibibo || MakeMyTrip || Ola
– Dining : Zomato || Swiggy
– Entertainment : Gaana || BookMyShow || PVR || Inox
– Health & Fitness : Fitternity
✔︎ 1% cashback on all other card spends
✔︎ Restrictions : Maximum ₹750 cashback given, per month

7% discount on domestic hotels || 4% discount on domestic flights - at Goibibo
– 7% discount (upto ₹5000 per month) on domestic hotels - at Goibibo
– 4% discount (upto ₹600 per month) on domestic flights - at Goibibo

5% discount (upto ₹300 per month) - at Tata CLiQ
– 5% discount at Tata CLiQ, on spends upto ₹6000 per month (since maximum discount is restricted to ₹300 per month)
– 5% discount is applicable only on orders above  ₹1000

Complimentary domestic airport lounge access – once per month

Complimentary rail lounge access – once per month

Complimentary 2-month Eazydiner Prime membership

Complimentary 6-month Mindhouse app subscription

Fuel surcharge waiver
– You get 1% fuel surcharge waiver only on fuel transactions upto ₹4000, and only at HPCL pumps

Benefits
– 5% cashback on a variety of partners including Amazon
– Hotel (7%) & flight (4%) discounts at Goibibo
– Complimentary domestic airport lounge access (once per month), and rail lounge access (once per month)
– Complimentary 2-month Eazydiner Prime membership, and complimentary 6-month Mindhouse app subscription

Drawbacks to consider
– You need to stick to select partners to enjoy cashback and discount benefits