Co-Brand Biz Card: Is Your SME Missing Free Credit?

Amazon Pay and Kotak Bank launched a co-branded credit card for small business owners on Amazon Business. It offers cashback on purchases and an interest-free credit window — giving SMEs a low-cost way to manage short-term cash flow without a loan.

Here's what happened: Amazon Pay and Kotak Mahindra Bank jointly launched a co-branded credit card aimed specifically at small and medium business owners who transact on Amazon Business.. The card offers cashback rewards on business purchases and an interest-free credit period, giving SMEs a short-term liquidity tool without a formal loan application.. The launch was announced at the Global Fintech Fest 2026, signalling growing fintech-bank collaboration targeting India's underserved small business credit segment..

What you should do: Compare the card's annual fee and effective cashback rate against your current monthly Amazon Business spend — only apply if you'll earn back the fee within 3–4 months of purchases.. Check your GST registration status before applying: a GST-linked business card account makes it far easier to reconcile input tax credit claims versus personal card statements.. Set a full-balance auto-pay mandate from day one — co-branded cards charge retroactive interest on the entire billing cycle if you pay only the minimum, wiping out every rupee of cashback earned..

Time your large inventory purchases in the first 2–3 days after your billing cycle opens — you'll get close to the full 45-day interest-free window, giving your receivables time to come in before payment is due.