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Amazon Pay balance is a stored-value payment option on Amazon India that can be used for eligible purchases, bill payments, and recharges without entering card details for each transaction. The balance has two components: ‘Money’, which users can add through supported payment methods such as a bank account or card, and ‘Gifts & Credits’, which may include gift card balances, cashback, and promotional credits.
The Money component operates as a prepaid payment instrument under applicable RBI requirements, and adding money requires PAN and completion of the applicable KYC process. Gifts & Credits can be used without completing KYC, subject to the applicable terms and usage conditions. Available Amazon Pay balance may be used for eligible payments on Amazon.in and supported partner merchants.
Yes, you can add money to Amazon Pay using a credit card on Amazon.in. The Add Money page may show credit cards alongside other supported payment methods, such as UPI, debit cards, and net banking. A convenience fee may apply when adding money through a credit card, and the applicable charge is displayed before the transaction is confirmed.
The availability of the credit card payment option may depend on factors such as the account, KYC status, transaction amount, and card issuer. Credit cards issued by Indian banks on supported networks, including Visa, Mastercard, and RuPay, may be used for eligible wallet loads, with the transaction authenticated as required by the card issuer.
Card issuers may apply their own terms to wallet-loading transactions. Depending on the issuer and card, such transactions may be excluded from reward points or treated differently from regular purchases, including for applicable fees or charges. Review the card issuer’s applicable terms before making the transaction.
Following the applicable steps helps ensure that the amount is added correctly to your Amazon Pay balance and is available for eligible transactions.
Open the Amazon India app or visit Amazon.in through a browser and sign in to your account. In the app, select the Amazon Pay icon from the bottom menu. On the website, access Amazon Pay through the available navigation or the Accounts & Lists menu. The Amazon Pay dashboard displays your available balance and related services.
Select the ‘Add Money’ option available next to your Amazon Pay balance. If the required PAN details or KYC process is incomplete, you may be prompted to complete the applicable requirements before adding money.
Enter the amount you want to add to your Amazon Pay balance. You can select an available amount or enter a custom value. The permitted amount is subject to the transaction and monthly limits applicable to your account and KYC status.
Select ‘Continue’ after entering the amount to view the available payment methods. Choose a saved credit card or add a new card under the credit or debit card option. If a convenience fee applies to the transaction, the applicable amount is displayed before you confirm the payment.
Complete the authentication process required by the card issuer. This may involve entering the OTP sent to the mobile number registered with the issuing bank through its authentication page. The transaction is processed after successful verification.
After successful payment, the amount is generally reflected in your Amazon Pay balance shortly after the transaction is processed. In some cases, the update may take up to 15 minutes. You can check the available balance and review the transaction details through the Amazon Pay dashboard and transaction history.
The amount you can add to your Amazon Pay balance varies based on the KYC status of your account and the applicable RBI requirements for prepaid payment instruments. The current limits published by Amazon India are summarised below:
| KYC / Account Status | Add-Money Limit | Maximum Wallet Balance | Important Condition |
|---|---|---|---|
Minimum KYC (Aadhaar OTP eKYC) |
Up to ₹10,000 per month and ₹1,20,000 per financial year |
₹10,000 at any time |
PAN details must be updated; Full KYC must be completed within 24 months to continue adding money |
Full KYC (video KYC or doorstep verification) |
Up to ₹2,00,000 per transaction and ₹5,00,000 per month |
₹2,00,000 at any time |
Required to add more than ₹10,000 in a month, transfer money to a bank account or use the wallet UPI handle |
Cash load at doorstep (Full KYC only) |
Up to ₹50,000 per month |
Within the ₹2,00,000 balance cap |
Available only on eligible cash-on-delivery orders through the delivery agent |
You can check the KYC status of your account through Account Settings in the Amazon app. Video KYC completed through the app generally takes around 5 to 10 minutes. The applicable balance or transaction limits may vary based on Amazon’s risk assessment, so refer to the limits displayed on the ‘Add Money’ page when making the transaction.
Disclaimer: The limits and conditions mentioned above are subject to applicable RBI requirements, KYC status, account eligibility, and Amazon India’s policies. Actual limits may vary and can be revised from time to time.
Amazon Pay does not levy a platform fee for adding money through UPI, debit cards, or net banking. Adding money using a credit card may attract a convenience fee, while the card issuer may separately levy charges based on its applicable terms and policies.
| Payment Method | Amazon Pay Platform Fee | Bank / Issuer Charge | GST / Tax Note |
|---|---|---|---|
UPI |
Nil |
Nil |
Not applicable |
Net Banking |
Nil |
Nil |
Not applicable |
Debit Card |
Nil |
Nil, unless the issuing bank levies a charge |
18% GST on any bank charge, if levied |
Credit Card |
Convenience fee applies, displayed on the payment page before confirmation |
May vary by issuer and transaction type; some issuers treat wallet loads as cash advances with interest from the transaction date |
18% GST applies on the convenience fee |
The applicable convenience fee is displayed separately on the ‘Add Money’ payment page, allowing you to review the total amount payable before completing card authentication. The card issuer may levy separate charges for wallet-loading transactions based on its terms, so these charges can be checked in the issuer’s applicable fee schedule.
Adding money using a credit card may fail, or the option may not appear, due to factors related to account eligibility, card settings, transaction limits, or the card issuer’s policies.
Option not available: The credit card option may not be shown for a particular account or transaction amount, depending on KYC status, risk checks or the type of card saved
Issuer block on wallet loading: Some banks restrict or decline transactions categorised as wallet loads, especially on certain card variants
Online transactions disabled: RBI rules allow cardholders to switch off online usage, and a card with this setting disabled will be declined
Insufficient credit limit: The load amount plus the convenience fee must fit within the available credit limit on the card
OTP or authentication failure: An OTP that is not received, entered late or entered incorrectly causes the 3D Secure step to fail
KYC or wallet-limit restriction: The amount may exceed the monthly add-money limit or push the balance beyond the cap for the account's KYC status
Temporary gateway issue: A brief outage at Amazon Pay or the payment gateway can cause a transaction to fail even when the card is fine
If adding money using a credit card is declined, checking the card details, account settings, transaction limits, and issuer-related restrictions can help identify the reason before trying again.
Verify card status and limit: Confirm the card is active, not blocked and has enough available credit for the amount plus the fee
Enable online transactions: Turn on online and domestic transaction settings in the bank's app or net banking
Retry authentication: Wait a few minutes, request a fresh OTP and complete the 3D Secure step promptly
Try another payment method: Use UPI, debit card or net banking, which carry no convenience fee, if the card continues to fail
Contact the issuer: If the decline persists, the issuing bank can confirm whether wallet loads are restricted on the card
Maintaining a balance in your Amazon Pay wallet could offer a few practical advantages for shopping and bill payments:
Faster checkout: Using the balance skips card details and OTP steps during purchases, including flash sales
Consolidated small payments: Keeping small daily expenses within the wallet means fewer individual entries on the bank or card statement
Refunds to wallet: When an order paid via balance is cancelled, the refund is credited back to the wallet quickly, where applicable, rather than taking several days
Bill and recharge convenience: The balance can be used for utility bills, mobile and DTH recharges from the Amazon app
Eligible offers: Some promotional offers on Amazon apply to purchases completed using Amazon Pay balance, subject to the offer terms
Amazon Pay balance can be used for various eligible purchases and everyday payments, subject to the type of balance available and the KYC status of the account. Common uses include:
Shopping on Amazon: Use the available balance to pay for eligible purchases on Amazon.in. Depending on the transaction, the balance may cover the full purchase amount or be used with another supported payment method.
Utility bill payments: Pay eligible electricity, water, and other utility bills through the ‘Amazon Pay bills’ section.
Mobile recharges: Use the balance for eligible prepaid recharges and postpaid bill payments for supported mobile service providers, including Jio, Airtel, and Vi.
DTH recharges: Recharge supported DTH services, such as Tata Play and Sun Direct, by selecting the service provider and applicable recharge amount.
Partner merchants: Use Amazon Pay balance on eligible partner apps and websites that provide Amazon Pay as a payment option at checkout, including Swiggy and BigBasket.
UPI payments: Customers who have completed Full KYC and registered an Amazon Pay balance UPI handle can use the Money component for eligible UPI payments at supported online and offline merchants, including QR code payments.
Before adding money to Amazon Pay using a credit card, review the applicable payment options, limits, and charges to reduce the chances of a declined transaction or unexpected costs:
Available payment methods: Check whether the credit card option is available on the Add Money page for your account and the amount you intend to add.
Wallet and KYC limits: Review the applicable add-money and maximum wallet balance limits based on your KYC status.
Applicable charges: Check the convenience fee displayed on the payment page and any separate charges that may be levied by the card issuer for wallet transactions.
Reward eligibility: Check the card issuer’s terms to determine whether adding money to a wallet is eligible for reward points or other card benefits.
Card transaction settings: Ensure that the required online and domestic transaction settings are enabled for the card.
OTP and CVV security: Do not share your OTP or CVV with anyone. These details should only be entered through the applicable payment or authentication process.
Yes, you can add money to Amazon Pay balance using an eligible credit card on Amazon.in. Other supported payment methods may include UPI, debit cards, and net banking. A convenience fee may apply to credit card-funded transactions, while availability depends on factors such as KYC status, transaction amount, and the card issuer’s policies.
Open the Amazon Pay section on the app or website and select ‘Add Money’. Enter the required amount, choose an available payment method, such as UPI, card, or net banking, and complete the applicable authentication process. The amount is generally reflected in the Amazon Pay balance shortly after a successful transaction.
For Minimum KYC accounts, the add-money limit is up to ₹10,000 per month and ₹1,20,000 per financial year, with the balance capped at ₹10,000 at any time. For Full KYC accounts, the limit is up to ₹2,00,000 per transaction and ₹5,00,000 per month, while the balance cannot exceed ₹2,00,000 at any time. Applicable limits are subject to Amazon India’s policies and regulatory requirements.
Amazon Pay does not levy a platform fee for adding money through UPI, debit cards, or net banking. Adding money through a credit card may attract a convenience fee and applicable GST. The relevant charges are displayed on the payment page before the transaction is confirmed.
Amazon Pay uses security measures such as encryption, PCI DSS-compliant systems, and applicable transaction authentication for card payments. Amazon Pay balance also operates within the regulatory framework applicable to prepaid payment instruments in India. Users should keep their OTP, CVV, and other payment credentials confidential.
The credit card option may not be available due to factors such as incomplete PAN or KYC requirements, applicable transaction limits, account eligibility, or restrictions associated with the card. Check the available payment methods and limits displayed for your account before attempting the transaction again.
Reward eligibility depends on the terms set by the card issuer. Some issuers exclude wallet-loading transactions from reward programmes or treat them differently from regular purchases. Check the applicable card reward terms or contact the issuer to understand how such transactions are classified.
Full KYC customers who have registered an eligible Amazon Pay balance UPI handle can transfer the Money component to a bank account through the supported UPI facility, subject to applicable terms and limits. Minimum KYC accounts cannot transfer the balance to a bank account, while the Gifts & Credits component cannot be transferred or redeemed for cash.
Money added successfully to Amazon Pay balance generally reflects shortly after the payment is authenticated. In some cases, the update may take up to 15 minutes. The completed transaction can also be checked through the Amazon Pay transaction history.
If the amount is debited but does not appear in your Amazon Pay balance, check the transaction status and allow the applicable processing time. Failed transactions are generally reversed to the original payment method within the applicable refund timeline. If the amount is neither credited nor reversed within the stated period, contact Amazon Pay customer support and the card issuer with the relevant transaction details.
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