Amazon Pay ICICI vs IDFC FIRST Wealth
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
Amazon Pay ICICI wins 3-2. Heavy Amazon shoppers, best free card in India IDFC FIRST Wealth is still the right call if lifetime-free premium, best zero-fee card in india..
Side-by-side
| Criterion | Amazon Pay ICICI | IDFC FIRST Wealth |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 5% (shopping) | · 3% (general) |
| Base reward rate | · 1% | 3% |
| Forex markup | · 3.5% | No FX fee |
| Welcome bonus | = ₹500 Amazon Pay balance on first transaction | = ₹500 gift voucher on ₹5,000 spend within 30 days of card generation |
| Fee waiver threshold | = N/A (no fee) | = N/A (no fee) |
| Min income | ₹300,000 | · ₹3,600,000 |
| Min credit score | 720 | · 770 |
| Editorial rating | = 4.7/5 | = 4.7/5 |
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 Wealth
- 3X reward points on eligible spends; 10X on dining and travel from the first eligible transaction
- 1 domestic + 1 international airport lounge visit per quarter, unlocked by ₹20,000 spend in the previous calendar month
- 1% fuel surcharge waiver
- Zero forex markup on international transactions
- Lifetime free, no annual fee, no fee-waiver math
FAQ
›Amazon Pay ICICI vs IDFC FIRST Wealth: which is better?
Amazon Pay ICICI wins on more dimensions (3 vs 2). But the right answer depends on your specific spending pattern. Run your own monthly spend through the maximizer to see which one pays you more.
›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 Wealth 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 Wealth: ₹500 gift voucher on ₹5,000 spend within 30 days of card generation.