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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.
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Last updated: 21 July 2026

Both are lifetime-free cards but reward differently. Amazon Pay ICICI Bank Credit Card pays up to 5% cashback for Prime members on Amazon, auto-credited as Amazon Pay balance, but has no lounge access. IDFC FIRST Millennia Credit Card earns 10X points (never expiring) on spends above ₹20,000 and adds 4 complimentary railway lounge visits per quarter on ₹20k monthly spend. If Amazon is your primary spend, Amazon Pay ICICI's automated cashback is simpler and higher-value; for broader spending with railway lounge access and non-expiring points, Millennia is more versatile.

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 FeeLifetime Free
Joining FeeLifetime Free
Renewal FeeLifetime Free
Renewal FeeLifetime Free
Spend Based Waiver1% fuel surcharge waiver at all petrol stations for transactions up to ₹4,000.
Spend Based WaiverNot applicable as the card is lifetime free.
Foreign Transaction Fees1.99% on international spends
Foreign Transaction Fees3.5% of the total transaction value.
Interest Rate (APR)3.75% per month (45% per annum) on outstanding amounts.
Interest Rate (APR)Ranges from 8.5% to 46.2% per annum.

Rewards & Benefits

Welcome BonusCashback up to ₹2,500 and a 1-Month EazyDiner Membership for Prime members on Amazon shopping, recharges, and bill payments.
Welcome Bonuse-gift voucher worth ₹500 on spending ₹5,000+ within 30 days, plus 5% cashback up to ₹1,000 on first EMI.
Rewards RateUp to 5% cashback on Amazon for Prime, 3% for Non-Prime. 2% on partners, 1% on others.
Rewards RateUp to 10x points on dining, travel, international, birthday spends; 3x on others; 1x on utilities/insurance.
Reward TypeCashback
Reward TypeReward Points
Reward Redemption FeeNil
Reward Redemption Fee₹99 + GST per redemption.

Travel & Lifestyle

Domestic Lounge Access
Domestic Lounge Access4 complimentary Railway Lounge access each quarter across India (spend ₹20,000/month to unlock).
International Lounge Access
International Lounge Access
Travel Benefits5% cashback on Flights and Hotels Booking on Amazon.
Travel Benefits4 complimentary Railway Lounge access each quarter; 20% bonus points on hotel, 10% on flight bookings.
Movie Benefits
Movie Benefits25% discount, up to ₹100, on movie tickets via District by Zomato app, once monthly.
Dining BenefitsMinimum 15% discount on dining bills at 2,500+ Culinary Treats program restaurants across India.
Dining BenefitsUp to 20% discount at more than 1,500 leading restaurants across India.
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% fuel surcharge waiver at all petrol stations across India, transaction size up to ₹4,000.
Fuel Surcharge Waiver1% waiver for fuel transactions between ₹200 and ₹5,000, up to ₹200 per month.

Security & Other

Insurance Benefits
Insurance BenefitsPersonal Accidental Cover worth ₹2 Lakh; Lost Card Liability Cover of ₹25,000.
Cash Advance Charges2.5% of withdrawn amount, minimum ₹500. Plus 3.75% interest per month.
Cash Advance Charges₹199 + GST per transaction. Interest-free cash withdrawals from ATMs for up to 45 days.
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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 lifetime-free co-branded card ideal for frequent Amazon shoppers, especially Prime members. It offers up to 5% cashback on Amazon purchases, unlimited and never-expiring rewards credited as Amazon Pay balance, and a low foreign currency markup of 1.99%. This card provides significant value with no joining or annual fees, making it a strong choice for online retail.

Who is it for?

The IDFC FIRST Millennia Credit Card is an entry-level, lifetime-free credit card for young individuals. It offers up to 10x non-expiring reward points on various spends, complimentary railway lounge access, and discounts on movies and dining. This card is a value-for-money option for everyday spending and domestic travel, making it ideal for young earners and trendsetters.

Pros

Key benefits and features.

Most useful for Amazon loyalists who fulfill their online shopping via Amazon, particularly Prime members.

Lifetime free with no joining or annual fees, offering significant long-term value.

Unlimited cashback with no maximum capping on the Amazon Pay balance earned.

Reward points are automatically credited as Amazon Pay balance and have no expiry date.

Low international forex mark-up at 1.99% makes international spends more economical.

Pros

Key benefits and features.

Lifetime free credit card with no joining or annual fees, offering great value.

Enjoy 4 complimentary railway lounge accesses each quarter, ideal for train travelers.

Reward points never expire, ensuring long-term value and flexibility in redemption.

Earn up to 10x reward points on dining, travel, international, and birthday spends.

Benefit from low interest rates starting at 8.5% per annum and interest-free cash withdrawals.

Cons

Key drawbacks and limitations.

Primarily focused on Amazon shopping, limiting benefits for other spending categories.

Does not provide other benefits like lounge access or entertainment, unsuitable for travelers.

Less useful for shopping on platforms other than Amazon, where the base reward rate is only 1%.

The reward rate on Amazon for non-Prime members is lower at 3% compared to 5% for Prime members.

Cons

Key drawbacks and limitations.

The card does not offer any domestic or international airport lounge access.

A reward redemption fee of ₹99 + GST is charged for every redemption.

A foreign currency markup of 3.5% applies to all international transactions.

Cash advance charges of ₹199 + GST are applicable per transaction.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for Amazon Pay ICICI Bank Credit Card(opens in new tab)Apply for IDFC FIRST Millennia Credit Card(opens in new tab)