Amazon Pay represents Amazon’s vision for a simpler, more connected payment experience in India. What began as a means to make online transactions easier has evolved into a platform that powers secure, instant payments across both digital and physical spaces. With its integration of UPI and wallet services, and acceptance at over 135 brands across 50 thousand offline and online stores nationwide, Amazon Pay continues to play a role in India’s growing shift toward digital-first living.
Amazon Pay: wallet and UPI
Amazon Pay offers two payment methods: Amazon Pay Balance and Amazon Pay UPI. The Pay Balance works like a digital wallet where users can add money and pay instantly for shopping, bills, and services.
Meanwhile, Amazon Pay UPI lets users link their bank account through the Amazon app to make secure, one-step payments across Amazon.in and partner platforms. It does not require any card details or repeated logins.
Adding and using Amazon Pay balance
Customers can add money to their Amazon Pay balance using UPI, debit or credit cards, or net banking. The process is quick and easy.
- Go to the Pay section on the Amazon app.
- Click on Amazon Pay balance
- Enter an amount, and top up using any of the payment methods listed.
Customers can use the balance for one-click payments on Amazon.in or partner apps such as Swiggy, BookMyShow, and Uber.
Gift cards and brand vouchers
Amazon Pay also makes gifting simple with Amazon Pay Gift Cards. It is available in various designs and denominations starting from ₹10 to ₹10,000. Each digital card stays valid for a year and can be redeemed directly into the user's Amazon Pay Balance for seamless checkout.
Cashback, offers, and rewards
Amazon Pay rewards users with cashback, coupons, and partner offers on shopping, recharges, and travel bookings, added instantly to their balance. A standout feature is its intelligent offer engine that automatically recommends the optimal payment method for each transaction.
The system personalises recommendations based on individual spending patterns, ensuring maximum value. Prime Members earn a minimum 5% reward, and Non-Prime members earn 3% on all Amazon shopping payments.
Since its launch, the Amazon Pay Rewards Gold programme has helped more than half a million customers earn unlimited 5% cashback on their shopping transactions. Earned rewards are auto-applied at checkout wherever eligible, and the app flags rewards nearing expiry with timely alerts.
Amazon Pay Later
Amazon Pay Later offers eligible Amazon customers instant credit up to ₹60,000 for shopping and bill payments. After verifying PAN and Aadhaar, users can buy essentials, electronics, or pay utilities with automatic next-month billing at zero interest.
Amazon Pay Later charges apply only when converting purchases into 3-12 months EMI at nominal rates, with no hidden fees. Partnering with axio and IDFC FIRST Bank, the service helps customers manage expenses flexibly while building higher credit limits through timely repayments.
Travel bookings (flights, trains, and buses)
Amazon Pay enables users to book flights, trains, and buses directly within the Amazon app. Customers can pay via Amazon Pay Balance, UPI, or cards, with instant refunds on cancellations. Special cashback offers, like ₹100 on first train tickets, make it easy to book tickets affordably in one place.
Recharges and utility payments
Amazon Pay handles recharges, utility bills, and financial payments in one place. Users can recharge their phone and DTH, and pay postpaid, broadband, electricity, water, gas, insurance, and credit card bills through Amazon Pay.
Customers simply select their biller, enter the amount, and pay via Pay Balance or UPI. The app supports debit/credit cards and auto top-ups for uninterrupted service.
FASTag, metro, and transit payments
Amazon Pay supports FASTag recharge through its co-branded ICICI FASTag, with tolls auto-deducted from your balance. For public transport, the 'Daily Transit' section offers instant metro QR tickets, which involve selecting stations, paying, and scanning to enter. Metro card recharge and NCMC cards are available in select cities.
Insurance and other services
Amazon Pay insurance lets users buy bike or car policies through Acko General Insurance, HDFC Ergo, and ICICI Lombard. These policies are issued online in under two minutes. Customers can open fixed deposits starting from ₹1,000 through partnerships with two prominent NBFCs—Shriram Finance and Bajaj Finance—and five banks: Shivalik Small Finance Bank, Suryoday Small Finance Bank, South Indian Bank, Slice, and Utkarsh Small Finance Bank. The partner institutions offer interest rates up to 8% per annum, with all partners providing an additional 0.5% interest for senior citizens. Shriram Finance offers up to 0.5% additional interest for women investors.
The app also supports Smart Stores for QR-based shopping, person-to-person UPI transfers, and payments on platforms like Uber, Swiggy, and BookMyShow. Amazon Pay integrates shopping and daily payments in one app for seamless transactions.
Benefits: Integration and convenience
Amazon Pay consolidates payments, rewards, and everyday services into one platform:
- Amazon Pay shortcut: Android users can access their payments and financial world instantly with the Amazon Pay shortcut.
- All-in-one cards hub: Manage cards, track applications, and pay bills with one-tap functionality and smart payment recommendations.
- Personalised rewards: AI-driven offers surface bank discounts and cashback in real rupee terms at checkout.
- Smart financial tracking: Unified bill tracking with auto-pay and expiry alerts prevents late fees.
- Wallet UPI: 99% success rate ensures fast and reliable payments even in low-network areas.
Digital payments made simple with Amazon Pay
In a market where digital payments are growing rapidly, Amazon Pay shows how convenience and accessibility can come together in one platform. By integrating UPI, wallet services, and merchant acceptance, it simplifies cashless payments for users and small businesses. As more people move toward digital transactions, Amazon Pay remains part of India’s shift toward a more connected, digital economy.
