HOW TO GET 10% CASHBACK ON AMAZON PAY GIFT CARDS

If you regularly use Amazon Pay to pay bills, recharge, or shop online, here is a simple trick that can get you 10% cashback on your Amazon Pay wallet top-ups — effectively saving you ₹1,000 on every ₹10,000 loaded.

THE IDEA

1. Instead of buying an Amazon Pay Gift Card directly on Amazon, you buy it through Zepto — the quick commerce grocery app. Because banks categorise Zepto transactions as grocery spends, any credit card that offers cashback or rewards on groceries will kick in automatically.

WHY IT WORKS

• Most premium credit cards offer accelerated rewards (often 5–10%) on grocery purchases. Zepto is coded as a grocery merchant (MCC: grocery/supermarket) by most banks. So when you buy an Amazon Pay Physical Gift Card on Zepto, your bank treats it as a grocery transaction and rewards you accordingly.

• On top of that, Zepto occasionally runs its own discounts on gift cards depending on your delivery pin code, which can stack on top of your card rewards for an even better deal.

STEP-BY-STEP GUIDE

• Step 1: Open the Zepto app and search for "Amazon Pay Physical Gift Card."

• Step 2: Select the ₹10,000 denomination — this usually offers the best margin and is the most practical for regular use.

• Step 3: Proceed to checkout. Before you enter your OTP to authorise the payment, check the SMS or notification from your bank. The merchant name should read "Zepto Mark" or "Zepto Marketplace." This confirms that your bank has classified the transaction as a grocery spend.

• Step 4: If the merchant name looks correct, enter the OTP and complete the payment.

• Step 5: Wait for the physical gift card to be delivered to your address. Once it arrives, scratch the card, find the gift card code, and add it to your Amazon Pay wallet via the Amazon app.

• Step 6: Your Amazon Pay balance is topped up, and your cashback or reward points are credited as per your card's policy.

WHAT YOU SAVE

• - Card cashback (10% on groceries):  ₹1,000 on a ₹10,000 card

• - Zepto discount (if available):      Variable, depending on pin code and ongoing offers

• - Total effective saving:             ₹1,000 or more per transaction

• Credit Card Name	Card Reward	Application Link
  HSBC Live +	10%	Coming Soon.
  Equitas Selfie	10%	Coming Soon.
  SBI Cashback	5%	Apply Now
  HDFC Millennia	5%	Apply Now

THINGS TO KEEP IN MIND

• 1. Check your card's terms: Not all cards give 10% on groceries. Verify your specific card's reward rate and any monthly caps before proceeding.

• 2. Watch for transaction limits: Some banks cap grocery cashback at a certain amount per month. Plan your purchases accordingly.

• 3. Merchant name verification is crucial: Always confirm the bank SMS shows "Zepto Mark" or "Zepto Marketplace" before entering the OTP. If it shows a different merchant name, the transaction may not be classified as grocery spend.

• 4. Delivery time: Since this is a physical gift card, factor in delivery time — typically 1–3 days depending on your location.

• 5. This is not a loophole — it is a legitimate use of your credit card's reward structure, combined with a real product available on a grocery platform.

FINAL WORD

• This trick is straightforward, legal, and repeatable. If you are already spending on Amazon Pay for utility bills, mobile recharges, or everyday shopping, loading your wallet this way simply means you are getting more value out of every rupee. Done consistently, it can add up to meaningful savings over the course of a year.