Best Cashback Credit Cards
Amazon Pay ICICI Credit Card — zero annual fee, straightforward cashback on every purchase.
Amazon Pay ICICI Credit Card wins on cashback with zero annual fee, zero joining fee, and 5% back on Amazon.in for Prime members — a genuinely rare zero-catch combination in this catalog. It's an ICICI product but exclusively co-branded around Amazon, so the cashback structure is strongest for people who actually shop there regularly rather than a generalist cashback card.
Frequently asked questions
Do I need Amazon Prime to get the 5% rate?
Prime members get 5% back on Amazon.in; non-Prime members still get 3% — both apply automatically, no separate enrollment needed.
Does the cashback ever expire?
No — the card's own terms describe the rewards as unlimited and non-expiring, unlike many points programs that lapse after a fixed period.
What if most of my spending isn't on Amazon?
You'd still get 2% at 100+ Amazon Pay partner merchants and 1% everywhere else — solid as a no-fee fallback card, but take the quiz if a different spending category matters more to you.