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As a frequent Amazon shopper, you could benefit from having your credit card details saved securely on the portal. This can help complete purchases faster, manage subscriptions and access card-specific offers without re-entering details each time.
Whether you use the Amazon mobile app or the Amazon website, the process to add a credit card is straightforward and follows the same core logic. A card can be added from the account settings at any time, or during checkout while placing an order, and Amazon.in saves it as a tokenised card in line with RBI guidelines.
A credit card can be added to an Amazon account in three ways, and the table below summarises where each option sits and which type of user it suits:
| Method | Navigation | Suitable For |
|---|---|---|
Mobile app |
Your Account > Your Payments > Add a payment method > Add a credit or debit card |
Shoppers who mainly use the Amazon app on a phone |
Website |
Accounts & Lists > Your Account > Your Payments > Add a payment method |
Desktop or laptop users managing their account |
Checkout |
Select a Payment Method > Add a credit or debit card |
Users adding a card while placing an order |
All three routes lead to the same card form and the same bank verification, so the card saved through any of them appears under Your Payments for future orders.
Knowing how to add card details in Amazon can be easier when the required information is kept ready before starting, as the form must be completed in one go.
| Detail | What to Enter |
|---|---|
Cardholder name |
The name exactly as printed on the credit card |
Card number |
The 15- or 16-digit credit card number |
Expiry date |
The month and year shown on the card |
Billing address |
The address registered with the card issuer |
Verification |
An OTP or issuer authentication, if prompted by the bank |
The CVV is entered during payment as part of the transaction authentication process and is not stored as a permanent card detail. Amazon.in may also seek consent to tokenise the card, where the actual card details are replaced with a unique token in line with applicable RBI requirements.
Adding a credit card on Amazon can be done through the mobile app, through the ‘Your Payments’ section on the website, or during checkout, and each route is covered below.
To add a credit card in Amazon using the mobile app, follow these steps:
Step 1: Open the Amazon app and sign in to your account
Step 2: Tap the profile or menu icon and select Your Account
Step 3: Choose Your Payments and then tap Add a payment method, followed by Add a credit or debit card
Step 4: Enter the card number, expiry date and cardholder name
Step 5: Provide the billing address linked with the card
Step 6: Verify the card using the one-time password (OTP) sent by your bank
After successful verification, the card may be saved for future transactions and displayed under the saved credit and debit cards in the ‘Your Payments’ section.
You can add and save a card through the website account settings for use on future orders without placing an order. Follow these steps:
Step 1: Sign in to Amazon.in on a desktop browser and hover over Accounts & Lists at the top right
Step 2: Select Your Account and open Your Payments
Step 3: Click Add a payment method and choose Add a credit or debit card
Step 4: Fill in the card number, cardholder name, expiry date and billing address
Step 5: Confirm the tokenisation consent and complete verification using the OTP sent by the bank
Once saved, the card appears in the Your Payments section, where you can edit its details, set it as the default payment method, or remove it. Amazon.in allows up to 20 credit or debit cards to be saved to an account.
You can also add a credit card while placing an order. Follow these steps:
Step 1: During checkout, on the Select a Payment Method page, choose Add a credit or debit card
Step 2: Enter the card details, including number, expiry date, CVV and billing address
Step 3: Confirm the information and proceed to payment
Step 4: The bank may ask for an OTP or 3D Secure approval; complete that step to authorise the transaction
Step 5: After the first successful payment, Amazon saves the card for future use, so it does not need to be added again from the account settings
This method is useful if you want to test a card on a small purchase before using it regularly.
Adding a credit card to your Amazon account can simplify checkout by keeping the payment method available for future purchases. Some key benefits include:
| Benefit | How It Helps |
|---|---|
Faster checkout |
Avoids entering card details repeatedly for every order |
Multiple payment options |
Allows a choice among saved cards at checkout, with one set as default |
Offers and EMI options |
Gives access to eligible card-specific deals such as instant discounts, cashback and No Cost EMI |
Recurring payments |
Makes it easier to manage eligible subscriptions and auto-renewals such as Prime |
Payment management |
Lets saved methods be updated, set as default or removed from one place under Your Payments |
For frequent shoppers, adding credit card details in Amazon simplifies order placement and reduces checkout errors.
A credit card may fail to save or may be declined at checkout for a handful of reasons, most of which can be resolved by the user or the card issuer.
| Issue | Possible Reason | What to Do |
|---|---|---|
Card declined |
The card is blocked, has insufficient limit, or the issuer has declined the authorisation |
Check the card status and available limit, then contact the issuing bank if the problem continues |
OTP not received |
Network delay or the mobile number registered with the bank is outdated |
Retry after a short wait and confirm the registered mobile number with the bank |
Expired card |
The validity printed on the card has ended |
Remove the old card and add the renewed or replacement card |
Unsupported payment |
The card network, issuer or order type is not accepted for this transaction |
Try another eligible card or an alternative payment method such as UPI or Net Banking |
Incorrect details |
A typo in the card number, expiry date or billing address |
Re-enter the details carefully and match the billing address with the issuer's records |
Temporary error |
A brief outage at Amazon or the payment gateway |
Retry after some time, as such errors usually clear on their own |
If a previously accepted card stops working, check with the issuing bank for possible reasons such as international transaction restrictions, applicable transaction limits, or changes following a recent card reissue.
Saved cards are managed from the Your Payments section of the account, where each card can be edited, replaced, set as default or removed.
Removing a card that is no longer in use helps keep your saved payment methods organised and prevents it from being selected for future transactions.
Card details such as the expiry date or billing address can be edited without deleting the card.
An expired card cannot be used for new purchases or recurring payments. You can replace it with the renewed or replacement card by following these steps:
Setting a default card means it is pre-selected at checkout, saving an additional step on every order.
Amazon India accepts credit cards issued on major networks, including Visa, Mastercard, RuPay, American Express, and Diners Club, subject to the issuing bank and transaction eligibility. Cards from banks such as HDFC Bank, Kotak Mahindra Bank, ICICI Bank, Axis Bank, and State Bank of India (SBI) may be used for eligible transactions. Select internationally issued cards may also be accepted, although cards issued outside India cannot be used to pay for an Amazon Prime membership.
Disclaimer: Card acceptance may vary based on the issuing bank, card network, transaction type, and applicable Amazon India payment policies. Check the available payment options at checkout before completing a purchase.
You can manage your saved credit cards on Amazon by following these practices:
These steps help reduce misuse and improve payment control.
Saving a credit card on Amazon involves security measures such as tokenisation and encryption. The actual card details are handled in accordance with applicable RBI requirements, while transaction authentication may depend on the issuing bank and the type of transaction.
During checkout, select the option to add a credit or debit card on the payment page. Enter the required card and billing details, select the card as the payment method, and complete any authentication required by the issuing bank.
Yes, Amazon allows multiple eligible credit and debit cards to be saved to an account. You can select an available saved card when completing an eligible purchase.
Open the payment settings under your Amazon account, select the saved card you want to delete, and choose the option to remove it. Removing a saved card may not change the payment method associated with an order that has already been placed.
Amazon may accept eligible international credit cards for certain transactions. Acceptance depends on factors such as the card network, issuing bank, transaction type, applicable restrictions, and whether the card is enabled for the required transaction.
A credit card payment may be declined for reasons such as incorrect card details, an expired card, insufficient available limit, authentication failure, transaction restrictions, or an issue at the issuing bank. Check the entered details and card settings, and contact the card issuer if the issue continues.
Amazon may allow eligible cards to be added through the payment settings in your account without placing an order. The available steps and verification requirements may vary based on the card and account.
Amazon provides payment settings where saved payment methods can be managed. Where the default payment option is available, you can select an eligible saved card as the preferred payment method for applicable transactions.
If a saved card has expired, add the renewed or replacement card details to your Amazon account and remove the expired card where required. You may also need to update the payment method separately for applicable subscriptions or pending transactions.
Saving a credit card does not ensure that every transaction will be approved. A payment may still be declined because of an insufficient available limit, failed authentication, card controls, transaction restrictions, or checks performed by the issuing bank.
Amazon.in generally does not support splitting a single order payment between two credit cards. Available combinations involving other payment methods, where offered, are subject to the payment options displayed during checkout.
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