All cards / Kotak Mahindra Bank
Amazon Pay Kotak Business Credit Card
Visa
Amazon Pay Kotak Business Credit Card
A co-branded small-business card built around Amazon Business procurement, offering tiered cashback plus GST-compliant invoicing for input tax credit claims. It's issued entirely through the Amazon Business platform, so it suits sole proprietors already sourcing supplies there.
Annual fee
₹499
Joining fee
₹0
Reward type
cashback
Base reward rate
1%
Card network
Visa
Card tier
Mid
Who this card fits
Best suited to self-employed applicants with a credit score of roughly 700+ whose spend is concentrated in online shopping. Its annual fee waives if you can comfortably clear the spend threshold.
Rewards & benefits
- Rewards rate: 1% base rate
Benefits by category
- 🏨 Hotel
5% cashback (3% for non-Prime) on Amazon Business purchases and flight/hotel bookings, capped at 5% of the monthly credit limit.
- 🛍️ Shopping
5% reward rate
- 🌍 Forex / international spend
3.5% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Employment: self-employed
- Age: 21–65
Fees & charges
- Spend-based waiver: Waived on annual spend of ₹3,00,000
- Foreign currency markup: 3.5%
- Interest rate: 3.5% p.a.
Benefits
- 5% cashback (3% for non-Prime) on Amazon Business purchases and flight/hotel bookings, capped at 5% of the monthly credit limit.
- 2% cashback on bills and recharges via Amazon Pay; 1% on all other spends.
- Up to 48 days interest-free credit period and 3-month No Cost EMI on eligible purchases.
Pros
- + Strong cashback on Amazon Business purchases
- + GST-compliant invoicing for ITC claims
- + Fully digital application via Amazon Business
Cons
- − Only available to registered Amazon Business users
- − Cashback outside Amazon ecosystem is low