During the Great Indian Festival, Amazon pairs with a bank partner for an instant discount, and your card's own Amazon cashback comes on top.
For big-ticket buys, use the partner bank's card for the instant discount. For everyday orders, use the card that earns the most on Amazon.
2026: 10% instant discount with SBI credit and debit cards (and SBI credit card EMI). Check the cap on Amazon's bank offer page.
When: Usually late September to DiwaliICICI Bank · Visa
Why we picked it: 5% back on Amazon for Prime members, every day, and lifetime free.
Why we picked it: An SBI card, so it can qualify for the SBI instant discount, plus cashback on online spends.
Since April 2026 the monthly cashback cap is lower (reported as about ₹2,000 on 5% online spends; check the latest terms). Fuel, rent and wallet loads are excluded.
SBI Card · Visa / Mastercard
Why we picked it: An SBI card with 10X points on Amazon, for a ₹499 fee.
HDFC Bank · Visa / Mastercard
Why we picked it: 5% on Amazon as a partner brand (monthly cap).
5% cashback is capped monthly (reported around ₹1,000) and credited as CashPoints you redeem against your statement.
| Card | Best for | Annual fee | Headline benefit | Lounge |
|---|---|---|---|---|
| Amazon Pay ICICI Credit Card | Amazon shoppers | Free | 5% on Amazon | None |
| Cashback SBI Card | Online shopping | ₹999 | 5% online cashback | None |
| SBI SimplyCLICK Credit Card | Online shopping on a budget | ₹499 | 10X online partners | None |
| HDFC Millennia Credit Card | Online brands cashback | ₹1,000 | 5% on 10 brands | Domestic (spend-based) |
Still unsure? Use the card finder to see which card earns the most on your own spends.
SBI is the bank partner, with a 10% instant discount on SBI credit and debit cards. Check caps on Amazon's offer page.
Amazon Pay ICICI for Prime members (5% back) or HDFC Millennia (5% on Amazon as a partner brand).