5% unlimited cashback on Amazon purchases for Prime members with no capping
3% unlimited cashback on Amazon purchases for non-Prime members with no capping
2% cashback on spends at 100+ partner merchants with no capping
1% unlimited cashback on all other spends with no capping
Reward points earned on every ₹100 spent and credited as Amazon Pay balance for easy redemption
Fees
Joining FeeNot Applicable
Free
Lifetime Free
Annual FeeNot Applicable
Free
Lifetime Free
Eligibility
Age
21-65 years
Salary
₹20K / Month
Credit Score
725+
Bank Fee Structure
Forex Markup1.99% forex markup is charged on transactions made in currencies other than INR. Applies to international POS payments and online purchases charged in foreign currency. Examples (1.99%): ₹100 → ₹1.99 ₹1,000 → ₹19.9 ₹10,000 → ₹199 ₹1,00,000 → ₹1990
1.99%
Finance Charges (APR)The Annual Percentage Rate (APR) on purchases, cash advances, and outstanding balances is 3.75% per month, which is equivalent to 45% per annum Interest is charged from the transaction date if the Total Amount Due is not paid by the payment due date In case of default, the interest rate may increase up to 3.8% per month (45% p.a.), as per bank discretion
3.75%
ATM Withdrawal2.5% of the withdrawn amount is charged on cash advances using the credit card (minimum ₹500, if applicable).
2.50%
Reward RedemptionNo fee is charged when redeeming reward points on this card.
Not Applicable
Railway SurchargeSurcharge on booking or cancelling railway tickets will be levied as prescribed by IRCTC or Indian Railways and may vary based on their applicable charges.
As prescribed by IRCTC / Indian Railways
Rent Payment1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges
1%
Cheque PaymentA fee of 2% of the payment amount is levied for cheque return, cheque dishonour, or auto-debit reversal
2%
Cash Payment₹100 cash payment fee per deposit.
₹100
Late Payment Charges
Amount due
Fee
≤ ₹100
₹0
₹101–₹500
₹100
₹501–₹1,000
₹500
₹1,001–₹5,000
₹600
₹5,001–₹10,000
₹750
₹10,001–₹25,000
₹900
₹25,001–₹50,000
₹1,100
> ₹50,000
₹1,300
Additional ₹100 is charged if Minimum Amount Due remains unpaid for two consecutive cycles, continuing until cleared
Reward Exclusions
Physical and Digital GoldEMI TransactionsPurchases converted to EMI post-factoRent PaymentsTax PaymentsEducation PaymentsAmazon Business TransactionsAmazon.in/Business PurchasesFuel SpendsUtilitiesInternational SpendsInternational Transactions
