Are you searching for the best credit card to maximize your savings on Amazon and other online platforms? The Amazon credit card online apply process is now faster, simpler, and more rewarding than ever. With just a few clicks, you can unlock instant approval, generous cashback on every Amazon order, exclusive welcome gifts, and powerful shopping perks — all without stepping into a bank. Whether you’re an avid online shopper or someone looking to stretch every rupee, choosing the right Amazon-friendly credit card could turn your everyday purchases into smart savings. In this guide, we’ll show you how to apply, which cards offer the best benefits, and how to make the most of every swipe.
Top Small Benefits of Using Credit Cards on E-commerce Platforms
- Instant Discounts
- Special deals like “10% off with XYZ Bank Credit Card” during sales events (e.g., Amazon Great Indian Festival or Flipkart Big Billion Days).
- No Cost EMI Options
- Split payments over months without interest on eligible products.
- Cashback & Reward Points
- Earn points or cashback on every order, redeemable for future purchases or vouchers.
- Exclusive Early Access to Sales
- Certain bank cards give access to flash sales before others.
- Welcome Gifts & Vouchers
- Get Amazon/Flipkart vouchers on card activation or first transaction.
- EMI Conversion on Big Purchases
- Convert high-value orders into easy EMIs post-purchase.
- Secure Payments
- Credit cards offer better fraud protection and chargeback options.
- Cardholder-Only Offers
- Extra discounts or cashback on selected products only for specific cardholders.
- Buy Now, Pay Later
- Enjoy shopping now and pay next month without any upfront cost.
- Higher Credit Limits During Sales
- Some cards offer increased limits temporarily during mega sale periods.
Top Credit Cards for Amazon Shoppers in India
| Credit Card | Amazon Benefits | Annual Fee | Highlight Rewards |
|---|---|---|---|
| SBI Simply Click | ₹500 Amazon Gift Card, 5X–10X reward points | ₹499 + GST | ₹2000 e-vouchers + fee waiver on ₹1L spend |
| HSBC Live+ Credit Card | 1.5% unlimited cashback, 10% on grocery/dining | ₹999 + GST (waived at ₹2L) | ₹1000 cashback bonus + Amazon offers |
| Swiggy HDFC Credit Card | 5% cashback on Amazon, 10% on Swiggy | ₹500 + Taxes | Swiggy One Membership + cashback up to ₹3500/month |
1. SBI Simply Click Credit Card
An ideal entry-level card tailored for online shopping, including Amazon, Myntra, BookMyShow, and more.
Key Benefits:
- ₹500 Amazon Gift Card on payment of the joining fee
- 10X reward points on partner platforms (Amazon, Cleartrip, Myntra, etc.)
- 5X reward points on other online purchases
- ₹2000 worth e-vouchers on crossing spend milestones
- Annual fee waiver on spending ₹1,00,000/year
Eligibility:
- Age: 23–60 years
- Income: ₹30,000/month+
- Credit Score: 650+
- No late payments in the past year
Charges:
- Joining/Annual Fee: ₹499 + GST
👉 Apply Now for SBI Simply Click Credit Card
Get an Amazon Gift Card worth ₹500 and unlock exclusive online rewards.
2. HSBC Live Plus Credit Card
This card is great for those who want flat cashback with no restrictions and additional perks like lounge access and Amazon promotions.
Key Benefits:
- 10% cashback on food delivery, dining, and grocery (up to ₹1000/month)
- 1.5% unlimited cashback on all other spends
- ₹1000 cashback bonus on ₹20,000 spent within 30 days
- Amazon & Blinkit offers every month
- 4 domestic lounge visits per year
Eligibility:
- Age: 21–65 years
- Income: ₹55,000/month (salaried only)
- Location: Metro cities only
- CIBIL Score: 750+
Charges:
- Joining/Annual Fee: ₹999 + GST
- Fee waived on ₹2,00,000 annual spend
👉 Apply Now for HSBC Live Plus Credit Card
Enjoy 1.5% unlimited cashback and Amazon-exclusive savings.
3. Swiggy HDFC Bank Credit Card
This card is a gem for foodies who also shop online, especially on Swiggy, Amazon, Flipkart, and Nykaa.
Key Benefits:
- 10% cashback on Swiggy (Instamart, Genie, Dineout)
- 5% cashback on Amazon, Flipkart, Myntra, Nykaa
- 1% cashback on all other purchases
- Free Swiggy One for 3 months
- Up to 50 days of interest-free period
Eligibility:
- Age: 21–65 years
- Income: ₹25,000/month (salaried)
- ₹6L+ annual income (self-employed)
- CIBIL Score: 750+
Charges:
- Joining/Annual Fee: ₹500 + Taxes
👉 Apply Now for Swiggy HDFC Credit Card
Enjoy 5% cashback on Amazon and 10% on Swiggy with this all-in-one card.
Bonus Tip: Should You Compare with Flipkart Axis Credit Card?
If you’re torn between Amazon and Flipkart, you should also explore the Flipkart Axis Bank Credit Card. It offers:
- 5% cashback on Flipkart and Myntra
- 4% on partner merchants like Swiggy, Uber, and PVR
- 1.5% unlimited cashback on all other spends
- Welcome voucher worth ₹500 on activation
This card is especially valuable if Flipkart is your primary shopping destination. We recommend a dedicated comparison:
👉 Amazon vs Flipkart Credit Cards: Which One Should You Choose? (Coming Soon)
Documents Needed to Amazon Credit Card Online Apply
All cards above support 100% digital applications. Here’s what you’ll need:
| Document Type | Examples |
|---|---|
| ID Proof | PAN Card, Passport, Form 60 |
| Address Proof | Aadhaar, Passport, Utility Bills |
| Income Proof | Bank statements, Salary slips, or ITR |
| Photograph | Recent passport-sized photo (for HSBC/HDFC) |
Pros of Amazon Credit Card Online Apply
| Pros | Description |
|---|---|
| 1. Instant Digital Approval | Apply online and get a digital card issued instantly for immediate use on Amazon and other platforms. |
| 2. Cashback & Rewards | Earn up to 10% cashback or 10X reward points on Amazon, Swiggy, Flipkart, Myntra, and more. |
| 3. Lifetime Free or Low Annual Fees | Options like SBI Simply Click offer lifetime free benefits or easy fee waivers based on annual spending. |
| 4. Welcome Bonuses | Get Amazon gift cards, Swiggy One memberships, or flat cashback after first usage or fee payment. |
| 5. Online Spend Optimization | Cards are designed for e-commerce usage, so you get better returns on every online transaction. |
| 6. No Need to Visit Bank | Fully digital application process from Amazon or partner sites with minimal documentation. |
| 7. Secure & Smart Shopping | Enjoy zero liability on lost cards, fraud protection, and chargeback support. |
Cons of Amazon Credit Card Online Apply
| Cons | Description |
|---|---|
| 1. Cashback Caps Apply | Cards like Swiggy HDFC have monthly cashback caps (e.g., ₹1500 for Swiggy, ₹500 for others). |
| 2. Location Restrictions | Cards like HSBC Live+ are only available in select metro cities. |
| 3. Strict Eligibility Criteria | Some cards require high income or credit scores (e.g., ₹55,000/month income for HSBC, 750+ CIBIL). |
| 4. Cashback in Wallets Only | Rewards often come as Amazon Pay balance or platform-limited cashback, not cash deposits. |
| 5. No Travel or Lounge Benefits (for Some Cards) | Entry-level cards like SBI Simply Click don’t offer travel perks or airport lounge access. |
| 6. Requires Regular Usage | To benefit from fee waivers or rewards, you need to spend consistently (e.g., ₹1L+ per year). |
FAQs About Amazon Credit Card Online Apply
1. Can I apply for these Amazon-friendly credit cards online?
Yes! All cards offer an online apply process with instant or fast approval.
2. Which credit card is best for Amazon shopping?
The Swiggy HDFC and SBI Simply Click cards offer strong Amazon benefits. If you’re a heavy shopper, go for SBI; if you split between food and retail, go for Swiggy HDFC.
3. Is there a credit card that gives Amazon vouchers?
Yes, the SBI Simply Click Credit Card offers a ₹500 Amazon voucher as a welcome bonus.
4. What credit score is ideal for approval?
A minimum 650+ for SBI; 750+ for HSBC and Swiggy HDFC is recommended.
5. Can I use these cards for Flipkart too?
Yes, but if Flipkart is your primary platform, consider the Axis Flipkart Credit Card instead.
Final Thoughts
With just a few minutes, you can complete the Amazon credit card online apply process and unlock thousands in cashback and vouchers annually. The right credit card doesn’t just help you pay—it helps you earn on every transaction. Whether you’re aiming for Amazon gift cards, looking to maximize cashback on Swiggy, or want a card that offers unlimited rewards across all spends, there’s a perfect match waiting for you.
👉 Pro Tip: Compare features like cashback caps, partner offers, and annual fee waivers before applying.
👉 Smart Move: Apply during major sale seasons or partner promos to stack up rewards even faster.
So, don’t wait. Turn your daily spending into monthly savings. Choose your card, apply online, and start earning from your next purchase.
- 👉 SBI Simply Click Credit Card – ₹500 Amazon Gift Card + Rewards
- 👉 HSBC Live Plus Credit Card – Flat Cashback + Lounge Access
- 👉 Swiggy HDFC Credit Card – Amazon & Swiggy Cashback + Free Membership
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