Amazon Pay ICICI Credit Card vs IDFC FIRST Select
Detailed comparison of these two popular credit cards
Winner
Amazon Pay ICICI Credit Card
ICICI Bank
EntryVS
IDFC FIRST Select
IDFC FIRST Bank
Mid-Range*
Different Reward Types
Card 1 gives 💵 Cashback while Card 2 gives ⭐ Reward Points. We're showing effective cash values for fair comparison.
Annual Fee
FREE vs FREE
Effective Rate
(cash value)
1.0% vs 0.8%
Lounge Access
None vs 1/quarter (₹20K spend required from Apr 2026)
Detailed Comparison
| Feature | Amazon Pay ICICI Credit Card | IDFC FIRST Select |
|---|---|---|
Fees & Charges | ||
| Joining Fee | FREE | FREE |
| Annual Fee | FREE | FREE |
| Fee Waiver | None | None |
| Forex Markup | - | 1.99% |
Rewards | ||
| Reward Type | 💵Cashback | ⭐Reward Points |
| Effective Cash Value | 1% | 0.75% |
Lounge Access | ||
| Domestic Lounges | None | 1/quarter (₹20K spend required from Apr 2026) |
| Priority Pass | - | - |
Eligibility | ||
| Min. Income | ₹3.0L | ₹12.0L |
Amazon Pay ICICI Credit Card is Best For
Amazon Prime members
Watch Out
- • Best value only on Amazon ecosystem
IDFC FIRST Select is Best For
Best lifetime free card overall
Watch Out
- • Rewards reduced by 25% from 2026
- • Lounge access requires ₹20K spend from Apr 2026
Our Verdict
Based on overall features and value,
Amazon Pay ICICI Credit Card wins!
Score: 43vsScore: 41
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