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  1. Home
  2. Credit Cards
  3. Kotak Mahindra Bank
  4. Amazon Pay Kotak Business Credit Card
Amazon Pay Kotak Business Credit Card Credit Card
Kotak Mahindra Bank logo
Kotak Mahindra BankVisa Network
Verified
Direct Bank Application via Official Issuer Portal

Amazon Pay Kotak Business Credit Card

5% cashback for small business owners on Amazon Business

Joining Fee

Free

One-time upfront
Annual Fee

₹499

Waived on ₹3 lakh annual spend
Base Rewards

1% on all other eligible business spends

On eligible spends
Forex Markup

3.50% + GST

Cross-currency spends
Apply NowCompare Card

Last verified 27 Oct 2026

Why Consider This Card?

Objective editorial assessment, ideal spender profile, and primary trade-offs

Editorial Verdict

Co-branded commercial credit card launched by Kotak Mahindra Bank and Amazon Pay for MSMEs and sole proprietors registered on Amazon Business.

Rewards & Cashback Structure

Base earning rates, partner merchant acceleration, redemption options, and exclusions

Reward Program Name
Amazon Pay Kotak Business Cashback
Reward Currency
Cashback (₹)
Base Earn Rate
1% on all other eligible business spends
Redemption Method
Automatic statement credit or checkout discount
Category Accelerated Earn RatesPublished Terms
Spend CategoryEarn RateReward CapConditions
Amazon Business & Travel Spends (Prime)5% cashback on Amazon Business and Travel spends for Amazon Prime members (capped at 5% of monthly credit limit)No CapStandard terms apply
Amazon Business & Travel Spends (Non-Prime)3% cashback on Amazon Business and Travel spends for non-Prime membersNo CapStandard terms apply
Amazon Pay Bill Payments & Recharges2% cashback on bill payments and recharges processed through Amazon PayNo CapStandard terms apply
All Other Business Spends1% cashback on all other eligible business purchasesNo CapStandard terms apply
Explore top credit cards and rewards across top verified merchant brands.Browse Merchant Hubs

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Reward Exclusions: Fuel transactions, wallet loading, cash withdrawals, rent payments, educational payments, and government services are generally excluded from base and accelerated reward point accrual across all Indian card issuers.
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Estimate Your Annual Rewards

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Verified Rates & Caps
Quick Select:
Total Monthly Spend:₹30,000 / month
₹5,000 / mo₹1 lakh / mo₹2 lakh / mo

Category Spend Allocation

Customize monthly spend in each category. Category amounts sum directly to your monthly spend.

Assumed spend distribution
Amazon Business & Travel Spends (Prime)5.00%
No published cap
₹
Amazon Business & Travel Spends (Non-Prime)3.00%
No published cap
₹
Amazon Pay Bill Payments & Recharges2.00%
No published cap
₹
All Other Business Spends1.00%
No published cap
₹
Excluded / Non-Reward Spends0%
Fuel, rent, wallet, govt, cash
₹
Category / Reward BucketMonthly SpendRateEffective RateCap PeriodEligible RewardCap Status
Amazon Business & Travel Spends (Prime)₹4,0005% cashback on Amazon Business and Travel spends for Amazon Prime members (capped at 5% of monthly credit limit)—NoneCalculating... Under cap
Amazon Business & Travel Spends (Non-Prime)₹4,0003% cashback on Amazon Business and Travel spends for non-Prime members—NoneCalculating... Under cap
Amazon Pay Bill Payments & Recharges₹4,0002% cashback on bill payments and recharges processed through Amazon Pay—NoneCalculating... Under cap
All Other Business Spends₹18,0001% cashback on all other eligible business purchases—NoneCalculating... Under cap
Total Monthly Cashback₹30,000-—-₹0 / moZero cap loss
Annual Spends

₹3.6 lakh

12 billing cycles
Annual Capped Rewards

₹0

0% blended return
Effective Fee

-₹499

Standard renewal
Net Annual Value

+₹0 / yr

Rewards - Fee
*Calculation based on verified card reward rates, applicable monthly caps, and fee-waiver thresholds - ₹499 annual fee.
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Airport Lounge Access

Domestic and international lounge privileges, spend hurdles, and participating terminals

No Airport Lounge Access Included

This card is tailored primarily for shopping rewards, cashback, or specific co-branded spend and does not include complimentary airport lounge visits.

Fees & Charges

Complete breakdown of joining, renewal, forex, financing APR, and transaction charges

1. Card Membership Fees

Joining Fee (1st Year)
Free
Annual / Renewal Fee (2nd Year Onwards)
₹499
Annual Spend Fee Waiver
Waived on ₹3 lakh annual spend
Fee Terms Notes
Joining fee Nil. Annual fee ₹499 + GST, waived on annual spends of ₹3,00,000 on off-Amazon purchases.

2. International Spends

Foreign Currency Markup (Forex)
3.50% + GST
Dynamic Currency Conversion (DCC)
Standard 1% mark-up on cross-currency INR transactions where applicable

3. Borrowing & Financing

Monthly Interest Rate (Finance Charges)
Refer to official schedule of charges
Annualized Interest Rate (APR)
Refer to official schedule of charges
Cash Advance / ATM Withdrawal Fee
Refer to official schedule of charges
Interest-Free Period
Up to 50 Days

4. Other Charges & Taxes

Late Payment Charges
Refer to official schedule of charges
Regulatory Tax Notice: Goods and Services Tax (GST) of 18% is applicable on all card fees, interest charges, and milestone fees as mandated by the Government of India.

Is the Annual Fee Worth It?

Evaluate whether this card's perks and waiver threshold justify its ₹499 renewal fee.

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Eligibility & Application Requirements

Income criteria, minimum age, CIBIL score benchmark, and verification checklist

Eligibility criteria not specified

Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.

Mandatory Verification Documents

1. Identity ProofPAN Card (Mandatory), Aadhaar Card, Passport, or Voter ID.
2. Address ProofAadhaar (DigiLocker), Utility Bill (Electricity/Piped Gas), or Rental Agreement.
3. Income ProofLatest 3 months salary slips, Form 16, or latest 2 years ITR computation.

Frequently Asked Questions

Common questions regarding Amazon Pay Kotak Business Credit Card application, fees, reward redemption, and eligibility

What is the joining and annual renewal fee for Amazon Pay Kotak Business Credit Card?
The joining fee for Amazon Pay Kotak Business Credit Card is Free (one-time), and the annual renewal fee is ₹499 from the second year onwards. GST of 18% is applicable on all fee charges.
Can the annual fee on Amazon Pay Kotak Business Credit Card be waived?
Yes, the annual renewal fee of ₹499 is waived upon achieving annual spends of ₹3 lakh in the preceding card anniversary year.
What are the primary rewards and cashback earn rates on Amazon Pay Kotak Business Credit Card?
Amazon Pay Kotak Business Credit Card offers 1% on all other eligible business spends. Cardholders also enjoy accelerated reward rates on partner merchants and selected digital spend categories.
Does Amazon Pay Kotak Business Credit Card offer complimentary airport lounge access?
No, Amazon Pay Kotak Business Credit Card is designed for daily retail, cashback, or UPI spend and does not currently include complimentary airport lounge visits.
What is the minimum eligibility criteria and CIBIL score required for Amazon Pay Kotak Business Credit Card?
Verified eligibility criteria are not currently available for Amazon Pay Kotak Business Credit Card. Specific income thresholds and credit score requirements are determined by the card issuer during application processing. Check the issuer's latest terms before applying.
How do I apply for Amazon Pay Kotak Business Credit Card online?
You can apply directly through the official Kotak Mahindra Bank portal by clicking the Apply button on this page. Complete the paperless digital application, submit your Aadhaar and PAN details, and complete video KYC for quick dispatch.

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DIRECT BANK APPLICATION

Ready to Apply for Amazon Pay Kotak Business Credit Card?

Direct online application on the official Kotak Mahindra Bank portal with paperless verification.

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Expert Guides & Analysis Featuring Amazon Pay Kotak Business Credit Card

Deep-dive comparisons, reward calculations, and editorial reviews from our research desk

Credit Card Comparisons15 Sept 2026

Amazon Pay Kotak Business Credit Card: 5% Cashback for Small Businesses — Is It Better Than Amazon Pay ICICI?

The Amazon Pay Kotak Business Credit Card earns Prime members 5% on eligible Amazon Business purchases and flights, 2% on bills through Amazon Pay, and 1% elsewhere. The Rs 499 annual fee is waivable on Rs 3 lakh of Off-Amazon spend. For personal Amazon shopping, the Amazon Pay ICICI card remains the cleaner choice. For genuine business procurement, the Kotak card makes a compelling case.

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