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Card picks for Amazon Pay (Apay)

Amazon Pay (Apay) is the single best way to get the most out of credit cards. You can buy and load Apay vouchers, which in-turn can be used for all kinds of bills, recharges, and payments (scroll to Addtional Notes section for the full list)

Pro-tip: Please use your mobile number and address linked with your Aadhar card for a successful application

Amex Gold Charge

  • Apay vouchers at 13% back (19.2K points for ₹72K spends)
  • Buy 6 vouchers of ₹1K on Amex Gyftr portal
  • Welcome offer (until Oct. 22): Reduced joining fees of ₹1180 and extra 2K points

HDFC Infinia

  • Buy Apay vouchers at 13.38% back (16.66% as SmartBuy points - 2.95% charges) on Gyftr portal
  • Super-premium invite only card with high salary and spend requirements

HDFC Diners Black

  • Buy Apay vouchers at 7.05% back (10% as SmartBuy points - 2.95% charges) on Gyftr portal
  • Milestone benefits of ₹11.5K (10K points + 3 x ₹500 vouchers) for ₹4L quarterly spend
  • Joining & annual fees of ₹11800

Amex Platinum Travel

  • Apay vouchers at 10.5% back for annual spend of ₹4L on Gyftr portal
  • Milestone benefit of ₹10K Taj voucher on hitting ₹4L spend
  • Welcome offer (until Oct. 22): Reduced joining fees of ₹4130 and extra 2K points

HDFC Swiggy

  • Buy Apay vouchers from MagicPin / Gyftr / Woohoo with 5% cashback from card
  • Joining & annual fees of ₹590

SBI Cashback

  • Buy Apay vouchers from MagicPin / Gyftr / Woohoo with 5% cashback from card
  • Joining & annual fees of ₹1180

HDFC Millenia

  • Buy Apay vouchers from MagicPin / Gyftr / Woohoo with 5% cashback from card
  • Joining & annual fees: ₹1180 (you get 1K cashpoints in return)

Additional Notes​

  1. Bills that can be paid through Apay: Electricity, Mobile, Gas Cylinder, Insurance Premium, Piped Gas, Water Bill, Landline, Broadband, Municipal Tax, Subscriptions, Cable TV, Apple Store, Play Store, DTH
  2. Travel bookings on Apay: Flights, Trains, Buses
  3. Popular websites / apps that accept Apay: Uber, Ola, Swiggy, Urban Company, Jio Broadband, Blinkit, and many more
  4. Value of 1 Amex point is set at a conservative 50 paise for calculations.
  5. Ensure that where no other better option is available and Apay is accepted, pay using it for extra rewards!