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Federal BankMost people today prefer online shopping as it gives you the flexibility to get your things delivered at home rather than going out, especially to purchase something. Keeping this thing in mind, credit cards started coming up with exclusive rewards/cashback offers on online shopping portals. All the major card issuers offer extra benefits/rewards/cashback on their credit cards for Amazon and Flipkart purchases as these are the most popular online shopping apps in India. But sometimes, people are not aware of these offers on their credit cards and hence lose an opportunity to save amazingly on their purchases. To make you aware of the offers on your credit cards, we are here with this article explaining how you can earn extra cashback or rewards on your spend on Amazon & Flipkart.
Here are some of the Top card issuers and the best credit cards for Amazon and Flipkart purchases:
HDFC Bank Credit Cards (Through Smartbuy Portal)
>SmartBuy is the rewards portal of HDFC Bank where you can see all the ongoing offers on HDFC Credit Cards at one place. On making your purchases through the HDFC SmartBuy portal, you can earn up to 10X Reward Points on HDFC Infinia & Diners Club Black credit card and a cashback of up to 5% on other HDFC Bank credit cards. You can avail of these benefits by getting redirected to Amazon/Flipkart through the SmartBuy portal as no reward points/cashback are provided on items that are already in your cart. Talking about Amazon & Flipkart, here is how you can avail of maximum benefit on Amazon through your HDFC Bank credit cards.
For shopping at Amazon
You earn 5X reward points on shopping at Amazon via the HDFC Bank Infinia and HDFC Bank Diners Club Black Credit Card. Here is a table showing how you can avail of extra benefits through the Smartbuy portal on your spends on Amazon:
| Credit Cards | Regular Reward Points on Amazon | Accelerated Reward Points on shopping at Amazon via Smartbuy |
| HDFC Bank Infinia Credit Card | 5 Reward Points per spend of Rs. 150 | 25 Reward Points per spend of Rs. 150 |
| HDFC Bank Diner Club Credit Card | 5 Reward Points per spend of Rs. 150 | 25 Reward Points per spend of Rs. 150 |
On all other HDFC Bank credit cards, you earn a cashback of 5% along with the regular reward points on shopping at Amazon via the HDFC Smartbuy portal. In the following table, we have taken an example of 3 popular HDFC Bank credit cards to show you how you can save on your spends on Amazon through HDFC Smartbuy:
| Credit Card | Regular Reward Points / Cashback on shopping at Amazon | Benefit through regular Reward Points in % | Cashback through Smart Buy on shopping at Amazon | Total savings |
| HDFC Bank Millennia Credit Card | 2.5% cashback | 2.5% | 5% | 7.5% |
| HDFC Bank Regalia Credit Card | 4 Reward Points on every spend of Rs. 150 | 1.33% | 5% | 6.33% |
| 6E Rewards XL - Indigo HDFC Bank Credit Card | 2% 6E Rewards | 2% | 5% | 7% |
For Shopping at Flipkart
You earn 3X Reward Points on your spends on Flipkart with the HDFC Bank Infinia & HDFC Bank Diners Club Black Credit Card. The following table shows how many extra reward points you can earn on your spends on Flipkart with the HDFC Smartbuy portal:
| Credit Cards | Regular Reward Points on Flipkart | Accelerated Reward Points on shopping at Flipkart via Smartbuy |
| HDFC Bank Infinia Credit Card | 5 Reward Points per spend of Rs. 150 | 25 Reward Points per spend of Rs. 150 |
| HDFC Bank Diner Club Credit Card | 5 Reward Points per spend of Rs. 150 | 25 Reward Points per spend of Rs. 150 |
On other HDFC Bank credit cards, you can earn a cashback of 1% along with the regular reward points on shopping at Flipkart via the HDFC Smartbuy portal. The following table shows how much you can save through Smart Buy with your HDFC Bank on your spends on Flipkart.
| Credit Card | Regular Reward Points on Flipkart | Benefit through Reward Points in % | Cashback through Smart Buy on Flipkart | Total savings |
| HDFC Bank Millennia Credit Card | 2.5% cashback | 2.5% | 1% | 3.5% |
| HDFC Bank Regalia Credit Card | 4 Reward Points on every spend of Rs. 150 | 1.33% | 1% | 2.33% |
| 6E Rewards XL - Indigo HDFC Bank Credit Card | 2% 6E Rewards | 2% | 1% | 3% |
To know more about the HDFC SmartBuy program, click here.
AmEx Credit Cards (Through Rewards Multiplier Portal)
The American Express Rewards Multiplier portal allows you to earn accelerated membership reward points on your AmEx credit cards on selected categories, including Amazon and Flipkart. You can earn up to 5X membership rewards every time you spend on Flipkart and Amazon. To avail of the offers, you need to get redirected to Amazon/Flipkart from the Rewards multiplier portal as only the items added in the cart after getting redirected from the portal are eligible for the offer. There are some exceptional transactions on which you don’t earn the bonus reward points, which are:
For Shopping at Amazon
You earn 5X Reward Points on Amazon with your AmEx credit cards on all your purchases excluding: Bill payments, Amazon Pay balance, selected mobile phones, etc.
For Shopping at Flipkart
The AmEx Rewards Multiplier portal provides the same offer for Amazon as well as Flipkart. You can earn 5X Reward Points on your AmEx credit cards for your spends on Flipkart except for these purchases/transactions: Gift cards, flight bookings, mobile phones, bill payments, etc.
Here is how many additional reward points you can earn using your AmEx credit cards through the Rewards Multiplier program:
| Credit Card | Regular Reward Points | Accelerated Reward Points on shopping at Amazon & Flipkart |
| American Express Platinum Credit Card | 1 Membership Reward Point on every spend of Rs. 40 | 5 membership Reward Points on every spend of Rs. 40 |
| American Express Gold Card | 1 Membership Reward Point on every Rs. 50 spent | 5 membership Reward Points on every Rs. 50 spent |
| American Express Platinum Reserve Credit Card | 1 Membership Reward Point on every Rs. 50 spent | 3 membership Reward Points on every Rs. 50 spent |
| American Express Membership Rewards Credit Card | 1 Membership Reward Points on every Rs. 50 spent | 2 Membership Reward Points on every Rs. 50 spent |
| American Express SmartEarn Credit Card | 1 Membership Reward Points on every Rs. 50 spent | 2 Membership Reward Points on every Rs. 50 spent |
YES Bank Credit Cards (Through YES CART)
Like American Express and HDFC Bank, the YES Bank also has its rewards portal known as YES CART. Through YES CART, you can earn 10X Reward Points on selected merchants, including Amazon & Flipkart. Other than the cards offering reward points, there are cashback cards of YES Bank, on which you get a cashback of 3% on your spends on Amazon and Flipkart. Due to the 10X Rewards offer, the YES Bank credit cards have become one of the best credit cards for shopping at Amazon & Flipkart.
Here is the table showing how you can earn accelerated Reward Points on YES Bank Credit Cards:
| Credit Card | Regular Reward Points | Accelerated Reward Points on shopping at Amazon & Flipkart |
| YES Private Credit Card | 4 Reward Points per Rs. 200 spent | 40 Reward Points per Rs. 200 spent |
| YES First Exclusive Credit Card | 12 Reward Points per Rs. 200 spent | 120 Reward Points per Rs. 200 spent |
| YES First Preferred Credit Card | 8 Reward Points per Rs. 200 spent | 80 Reward Points per Rs. 200 spent |
| YES Prosperity Edge Credit Card | 4 Reward Points per Rs. 200 spent | 40 Reward Points per Rs. 200 spent |
| YES Premia Credit Card | 6 RPs per Rs. 200 spent | 60 Reward Points per Rs. 200 spent |
To get full details about the offer, click here.
Axis Bank Credit Cards (Through Axis Bank Grab Deals)
Axis Bank Grab deals is the shopping portal for Axis Bank credit and debit cardholders where you can avail of exciting rewards & cashback offers on shopping on selected merchants. You can get up to 5% cashback on all your purchases on various merchants including Amazon & Flipkart.
For Shopping at Amazon
Following is a table showing how much cashback you can avail of different categories on shopping at Amazon via Axis Bank grab Deals:
| Category | Cashback/Reward Points |
| Burgundy digital savings account holders | 10% cashback |
| Priority Digital savings account holders | 7.5% cashback |
| Prime Digital savings account holders | 5% cashback |
| Easy access digital savings account holders | 3% cashback |
| Apparel & accessories, books, groceries, kitchen appliances, and many more | 5% cashback |
| Computers, mobile accessories, Televisions, musical instruments, etc | 4% cashback |
| Heavy gym equipment, bicycles, Rims, and Tyres | 2.5% cashback |
| Mobile phones | 1% cashback |
| Bill payments, recharges, flight bookings, Prime membership, Amazon Pay balance, iPhones | 0% cashback |
| Amazon Pantry / Fresh | 10X Reward points |
For Shopping at Flipkart
Like Amazon, you can avail of up to 10% cashback on your Axis Bank credit cards. The following table shows how much cashback you can earn on different categories:
| Category | Cashback |
| Burgundy digital savings account holders | 10% cashback |
| Priority Digital savings account holders | 7.5% cashback |
| Prime Digital savings account holders | 5% cashback |
| Easy access digital savings account holders | 3% cashback |
| Flipkart quick grocery, furniture, bean bag, electronic devices, books & general merchandise, home decor, etc. | 5% cashback |
| Large appliances, fashion & lifestyle categories, etc | 4% cashback |
| Flipkart supermarket | 3% cashback |
| Flipkart gift cards, mobile phones | 1% cashback |
| Gold & Silver coins & gemstone. | 0% cashback |
Co-branded Credit Cards
Amazon Pay ICICI Bank Credit Card
The Amazon Pay ICICI Bank Credit card is issued by the ICICI Bank in partnership with Amazon and hence offers exclusive cashback of up to 5% on your spends on Amazon. Along with the cashback on Amazon, the card comes with various other benefits, some of which are as mentioned below:
- A cashback of 5% for all Amazon Prime members.
- A cashback of 3% for all non-Prime members.
- 2% cashback on merchants accepting Amazon Pay.
- 1% cashback on all other spends.
- A discount of 15% or more on dining.
To know more about the card, click here.
Flipkart Axis Bank Credit Card
The Flipkart Axis Bank Credit Card is a co-branded card issued by Axis Bank in partnership with Flipkart and offers additional cashback on your spends on Flipkart. Along with the cashback on Flipkart, the following are the points showing other benefits of this card:
- A cashback of 5% on Flipkart & Myntra.
- A cashback of 4% on Swiggy, Uber, and PVR.
- A cashback of 1.5% on all other spends.
- 4 complimentary domestic lounge access.
To know more about the card, click here.
Bottom Line
As most of the youngsters nowadays prefer online shopping, the credit cards providing exciting offers on Amazon & Flipkart are best suited for young individuals. With such a great opportunity to earn up to 10X Reward Points and a cashback of up to 5%, these credit cards are becoming the best choice for lots of people out there. If you are also among online shopping lovers, you must have one such credit card in order to save more and more on your purchases. So, which credit card are you going to choose? Let us know in the comment section below.
FAQs:
No, to avail of the cashback, you must get redirected from the SmartBuy portal and then add items to your cart. Items that are already in your cart, are not eligible for any extra reward points/cashback offers.
To shop at Amazon & Flipkart, two of the best YES Bank credit cards are: YES Private Credit Card and YES First Exclusive Credit Card.
No, the Amazon pay ICICI Bank credit Card offers a cashback of 3% to non-prime members as well. However, Prime members get a cashback of 5%.
Compare India’s most rewarding credit cards under one roof and pick the one that works for you the best.