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

Fees & Charges

Joining Fee
Nil
Nil
Renewal Fee
Nil
Nil
Spend Based Waiver
Not Applicable
Not Applicable (Lifetime Free Card)
Foreign Transaction Fees
1.99%
3.5% of the total transaction value.
Interest Rate (APR)
3.75% per month (45% per annum)
Variable rates ranging from 8.5% to 46.2% per annum (0.75% to 3.5% per month).

Rewards & Benefits

Welcome Bonus
Perks and discounts worth up to ₹2,500 including EazyDiner and Amazon Prime membership offers.
₹500 gift voucher on ₹5,000 spend, 5% EMI cashback, and up to ₹200 UPI cashback offer.
Rewards Rate
5% for Prime / 3% for Non-Prime on Amazon; 2% on bills and 1% on other spends.
10X points on spends above ₹20,000 and birthdays; 3X on other spends (1X = 1 pt per ₹200).
Reward Type
Cashback
Reward Points
Reward Redemption Fee
NIL
₹99 + GST per redemption request.

Travel & Lifestyle

Domestic Lounge Access
Not Applicable
4 complimentary railway lounge visits per quarter (subject to monthly spend of ₹20,000).
International Lounge Access
Not Applicable
Not Applicable
Travel Benefits
5% unlimited cashback for Prime members on flight and hotel bookings made via Amazon.
Bonus rewards on travel: 33% extra points for hotels and 13% for flight bookings via bank app.
Movie Benefits
Not Applicable
25% discount up to ₹100 on movie tickets via District by Zomato mobile app, once per month.
Dining Benefits
Minimum 15% discount at participating restaurants through the ICICI Culinary Treats program.
Up to 20% discount at 1,500+ partnered restaurants and 15% off 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% waiver for transactions between ₹200 and ₹5,000 (max ₹200 per cycle).

Security & Other

Insurance Benefits
Not Applicable
₹2,00,000 Personal Accident Cover and ₹25,000 Lost Card Liability Cover included.
Cash Advance Charges
2.5% of the withdrawn amount (minimum ₹500) plus 3.75% monthly interest.
₹199 + GST per transaction; interest-free for up to 48 days.
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

Amazon Pay ICICI Bank Credit Card

IDFC FIRST Millennia 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 Millennia Credit Card by IDFC FIRST Bank is a premium lifetime-free entry-level card designed for young professionals. It offers a unique reward system where points never expire, alongside exclusive perks like railway lounge access, movie discounts, and low interest rates starting from 8.5% p.a.

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.

Enjoy the benefit of a lifetime-free card with no joining or annual fees ever.

Earn reward points that never expire, ensuring you never lose the value you have earned.

Access complimentary railway lounges 4 times per quarter at major stations across India.

Benefit from exceptionally low interest rates starting from just 8.5% per annum.

Comprehensive protection with personal accident insurance 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.

The card lacks complimentary domestic and international airport lounge access for travelers.

A reward redemption fee of ₹99 plus GST is charged for every redemption transaction made.

High monthly spending of over ₹20,000 is required to unlock the 10X reward point benefit.

Essential spending categories like fuel and EMI transactions do not earn any reward points.

Ready to Choose?

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