1. Changes in features and benefits:

• International Forex Mark-up has been reduced to 1.99%

2. Benefits that continue:

• No Joining Fees and No Annual Fees

• Enjoy unlimited 5% cashback on shopping* on Amazon.in and travel bookings (flights & hotels) through Amazon Pay for Amazon Prime Customers

• All other/Non-Prime customers can enjoy unlimited 3% cashback on shopping* on Amazon.in and travel bookings (flights & hotels) through Amazon Pay

• 2% unlimited cashback for transactions on Amazon Pay partner categories* (login and pay with Amazon, digitally fulfilled categories and physical gift cards on Amazon)

• 1% unlimited cashback on spends outside Amazon.in*

• No-cost EMI (sitewide) on eligible Amazon.in transactions will continue**

• 1% Fuel Surcharge Waiver across all fuel outlets in India.

3. Revised spend exclusions

• Certain transactions will not be eligible for cashback:

- For transactions on Amazon.in, Amazon Pay and Amazon Partners, no cashback on transactions on gold coins, EMI, rent, tax payments and education

- For other Merchant transactions: no cashback on transactions on EMI, rent, fuel, tax, education, utilities and international transactions.

Transaction categories

Category Merchant Category Code (MCC)

Utility 4899, 4900, 4901, 3887, 4897, 5416, 5417, 4812, 4813, 4814, 4815, 4821, 4896, 4902, 3886

Rent 7014, 7407, 5271, 6513

Fuel 1361, 3851, 5172, 5541, 5542, 5983, 9752, 5555

Tax 9311, 9313

Education 8211, 8220, 8241, 8244, 8249, 8299, 8493, 8494, 7911