What's good
- Zero annual fee — forever free to hold
- Cashback added instantly to Amazon Pay balance
- 3% cashback for non-Prime members on Amazon
- Reduced 1.99% forex markup on international transactions (since October 2025)
Watch out for
- Only 1% returns outside the Amazon ecosystem
- Cashback redeemable only on Amazon India
- No cashback on rent, EMI, utilities, fuel, taxes, education, and international transactions at non-Amazon merchants; gold coins, rent, taxes, education excluded on Amazon too
- 1% fee on wallet loads of ₹5,000+ (since January 2026)
Who should pick this card?
Best suited for someone focused on amazon loyalists.
This sits in the Lifetime Free category — Zero annual or joining fee — ever. Great starter cards with no cost of ownership.
Fees, reward rates, and caps last verified in May 2026. Issuers update terms without notice — always confirm on the bank's official page before applying.
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