Head-to-head · 🇮🇳 India
Amazon Pay ICICI vs IDFC FIRST Select
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
ICICI Bank
Amazon Pay ICICI
VISA
Wins 3 of 10
IN
IDFC FIRST Bank
IDFC FIRST Select
VISA
Wins 2 of 10
Verdict
Amazon Pay ICICI wins 3-2. Heavy Amazon shoppers, best free card in India IDFC FIRST Select is still the right call if lifetime-free with surprisingly strong reward earn rates..
Side-by-side
| Criterion | Amazon Pay ICICI | IDFC FIRST Select |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | · 5% (shopping) | 10% (shopping) |
| Base reward rate | · 1% | 3% |
| Forex markup | = 3.5% | = N/A |
| Welcome bonus | = ₹500 Amazon Pay balance on first transaction | = 600 reward points on ₹15K spend in first 90 days |
| Fee waiver threshold | = N/A (no fee) | = N/A (no fee) |
| Min income | ₹300,000 | · ₹600,000 |
| Min credit score | 720 | · 750 |
| Editorial rating | 4.7/5 | · 4.5/5 |
Benefits compared
Amazon Pay ICICI
- 5% cashback on Amazon for Prime members (3% non-Prime)
- 2% cashback on 100+ Amazon Pay merchants (Swiggy, BigBasket, MakeMyTrip)
- 1% cashback on every other transaction
- No annual fee, no joining fee, ever
- 1% fuel surcharge waiver
- No reward expiry, no minimum redemption
IDFC FIRST Select
- 10x reward points on ₹20K+ monthly spend
- 6x reward points on ₹20K below threshold
- 3x reward points on offline spend
- Lifetime free, no annual fee, ever
- 4 complimentary domestic + 2 international lounge visits per quarter
- 1% fuel surcharge waiver
FAQ
›Amazon Pay ICICI vs IDFC FIRST Select: which is better?
Amazon Pay ICICI wins on more dimensions (3 vs 2). But the right answer depends on your specific spending pattern, see the calculator below.
›Can I get both?
Yes, if your credit profile supports it, holding both is the optimal play. Use Amazon Pay ICICI for its best categories, IDFC FIRST Select for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Amazon Pay ICICI: ₹500 Amazon Pay balance on first transaction. IDFC FIRST Select: 600 reward points on ₹15K spend in first 90 days.