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Amazon Pay ICICI Bank Credit Card VS IDFC FIRST Classic Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.

Features

Amazon Pay ICICI Bank Credit Card
Amazon Pay ICICI Bank Credit Card
IDFC FIRST Classic Credit Card
IDFC FIRST Classic Credit Card

Fees & Charges

Joining Fee
Nil
Nil
Renewal Fee
Nil
Nil
Spend Based Waiver
Not Applicable
Not Applicable as the card is offered Lifetime Free with no annual fees.
Foreign Transaction Fees
1.99%
3.5% markup fee on all international transactions.
Interest Rate (APR)
3.75% per month (45% per annum)
Competitive APR ranging from 8.5% to 46.2% based on the cardholder's credit profile.

Rewards & Benefits

Welcome Bonus
Perks and discounts worth up to ₹2,500 including EazyDiner and Amazon Prime membership offers.
₹500 voucher on spending ₹5,000 within 30 days and 5% cashback on the first EMI transaction.
Rewards Rate
5% for Prime / 3% for Non-Prime on Amazon; 2% on bills and 1% on other spends.
3X points on monthly spends up to ₹20,000; 10X points on incremental spends above ₹20,000.
Reward Type
Cashback
Reward Points
Reward Redemption Fee
NIL
A convenience fee of ₹99 + GST applies per redemption request.

Travel & Lifestyle

Domestic Lounge Access
Not Applicable
4 complimentary visits per quarter to eligible railway lounges across India.
International Lounge Access
Not Applicable
Not Applicable
Travel Benefits
5% unlimited cashback for Prime members on flight and hotel bookings made via Amazon.
4 complimentary railway lounge visits per quarter and bonus points on flight and hotel bookings.
Movie Benefits
Not Applicable
25% discount on movie tickets up to ₹100 per month via District by Zomato mobile app.
Dining Benefits
Minimum 15% discount at participating restaurants through the ICICI Culinary Treats program.
Up to 20% discount at 1,500+ restaurants and 15% discount at 3,000+ health outlets.
Golf Benefits
Not Applicable
Not Applicable
Fuel Surcharge Waiver
1% waiver for all fuel purchases across India for transactions up to ₹4,000.
1% surcharge waiver on fuel spends between ₹200 and ₹5,000, capped at ₹200 per cycle.

Security & Other

Insurance Benefits
Not Applicable
Personal accident cover of ₹2,00,000 and lost card liability coverage up to ₹25,000.
Cash Advance Charges
2.5% of the withdrawn amount (minimum ₹500) plus 3.75% monthly interest.
Transaction fee of ₹199 + GST with 0% interest for up to 45 days on withdrawals.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Amazon Pay ICICI Bank Credit Card

IDFC FIRST Classic Credit Card

Who is it for?

The Amazon Pay ICICI Bank Credit Card is a popular lifetime-free shopping card designed for Amazon loyalists. It offers up to 5% cashback for Prime members and automates the reward process by crediting earnings directly as Amazon Pay balance, making it a highly convenient and high-value tool for online shoppers.

Who is it for?

The First Classic Credit Card is a premium lifetime-free offering that combines unique 'never-expiring' reward points with exceptionally low interest rates starting at 8.5%. It is designed for lifestyle and travel enthusiasts, providing rare perks like railway lounge access, movie discounts, and roadside assistance without any annual maintenance costs.

Pros

Key benefits and features.

A lifetime-free credit card with no joining or annual maintenance fees for cardholders.

Offers a high reward rate of 5% for Prime members on all eligible Amazon.in purchases.

Cashback is automatically credited as Amazon Pay balance with no manual redemption required.

Rewards never expire and there is no maximum capping on the total cashback you can earn.

Competitive foreign currency markup of only 1.99% compared to the standard market rates.

Pros

Key benefits and features.

The card is completely lifetime free with no joining or annual fees ever charged to the user.

Reward points earned on this card never expire, providing flexibility for long-term accumulation.

Offers an industry-leading interest rate starting as low as 8.5% for eligible customers.

Includes rare benefits like complimentary railway lounge access and 24/7 roadside assistance.

Cons

Key drawbacks and limitations.

Benefits on other platforms or offline transactions are limited to a basic 1% reward rate.

Lacks premium lifestyle features like airport lounge access, golf perks, or movie deals.

The reward rate for Non-Prime members is significantly lower at 3% compared to Prime users.

No cashback is earned on fuel, rent, gold, EMI transactions, or international payments.

Cons

Key drawbacks and limitations.

A redemption fee of ₹99 is charged every time you claim your earned reward points.

The highly advertised 10X reward rate only kicks in after spending ₹20,000 in a month.

This card does not provide any complimentary access to domestic or international airport lounges.

Users must meet a monthly spend threshold of ₹20,000 to unlock railway lounge benefits.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.