ICICI Amazon Pay Credit Card vs IDFC FIRST Millennia Credit Card
Verify differences in joining fees, waivers, reward structures, lounge access frequencies, and foreign transaction charges to pick your match.
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ICICI Bank
ICICI Amazon Pay
Cardmember
CARD COMPARE MEMBER
ICICI Amazon Pay Credit Card
Verified: 12 June 2026
IDFC FIRST Bank
IDFC FIRST Millennia
Cardmember
CARD COMPARE MEMBER
IDFC FIRST Millennia Credit Card
Verified: 7 June 2026
| Feature / Parameter | ICICI Amazon Pay Credit Card | IDFC FIRST Millennia Credit Card |
|---|---|---|
| Bank | ICICI Bank | IDFC FIRST Bank |
| Best For | Lifetime Free | Lifetime Free |
| Joining Fee | ₹0 (Free) | ₹0 (Free) |
| Annual Fee | ₹0 (Free) | ₹0 (Free) |
| Renewal Waiver | Lifetime Free credit card. No annual fee or renewal spend conditions. | Lifetime Free credit card. No annual fee or spending condition. |
| Cashback & Reward Rate | 5% cashback for Amazon Prime members on Amazon India spends. 3% cashback for non-prime members on Amazon India. 2% on Amazon Pay partner merchants (flights, insurance, bill payments). 1% on other general spends. | 3X reward points on offline spends. 6X reward points on online spends. 10X reward points on incremental spends above ₹20,000 per month. 10X rewards on birthday spends. (1X = 1 point per ₹150 spent. Point value = ₹0.25). |
| Lounge Access | No complimentary airport lounge access benefits. | 4 complimentary domestic airport lounge visits per calendar year, subject to monthly card spends of ₹20,000+. |
| Forex Markup Fee | 3.50% of the transaction value. | 3.50% of the transaction value. |
| Fuel Benefit | 1% fuel surcharge waiver on all petrol pumps (no minimum/maximum capping details, usually waived up to ₹4,000 transaction value). | 1% fuel surcharge waiver for transactions between ₹200 and ₹5,000 (maximum waiver capped at ₹200 per month). |
| Finance Charges | 3.50% to 3.80% per month (42% to 45.60% per annum). | Dynamic interest rate ranging from 9% to 42% per annum (0.75% to 3.5% per month) based on user credit history. |
| Eligibility | Available to select Prime and non-Prime customers. Good credit score (750+) required. ICICI customers or online invite-based. Age: 21 to 65 years. | Salaried or self-employed with salary above ₹25,000. Minimum credit history score of 730+. Age: 21 to 65 years. |
Choose ICICI Amazon Pay Credit Card if...
- You want a lifetime-free card with ₹0 joining and ₹0 annual fee forever.
- You prefer direct statement cashback over reward points catalog redemptions.
- Your spending habits are concentrated heavily on Lifetime Free transactions.
- You easily hit the annual waiver spending target: Lifetime Free credit card. No annual fee or renewal spend conditions.
Choose IDFC FIRST Millennia Credit Card if...
- You want a lifetime-free card with ₹0 joining and ₹0 annual fee forever.
- Your spending habits are concentrated heavily on Lifetime Free transactions.
- You easily hit the annual waiver spending target: Lifetime Free credit card. No annual fee or spending condition.
AICICI Amazon Pay Credit Card Highlights
Pros
- Zero fees forever. No hidden charges or minimum annual spending targets.
- Unlimited 5% cashback on Amazon purchases with no monthly capping limits.
- Cashback credited directly as Amazon Pay balance, which is as good as cash on Amazon.
Cons / Limitations
- No complimentary domestic or international lounge visits.
- Highest reward rate (5%) is strictly restricted to Amazon Prime subscription holders.
- Rewards are only redeemable in the Amazon ecosystem (not as statement cash credit).
BIDFC FIRST Millennia Credit Card Highlights
Pros
- Zero joining and annual fees for life.
- Reward points never expire and there is no cap on total points earned.
- Dynamic low interest rate model starting from just 9% per annum.
Cons / Limitations
- Complimentary lounge access is restricted and requires ₹20,000 spends in the previous month.
- Base offline reward rate is low (approx 0.5% return value).
- High reward rates (10X) only apply on spending amounts that cross ₹20,000 in a month.
CardCompare India Editorial Verdict
Choose ICICI Amazon Pay if you are a Prime member and want a lifetime-free card with zero upkeep. Choose Millennia if you want broader cashback partner options (Swiggy, Uber, Zomato) and airport lounge access, and can cross the ₹1 Lakh annual spend milestone to waive the fee.
Our comparisons are editorially independent. We may earn a commission. Banks verify CIBIL and issue final approvals.Fees, interest rates, reward rates, lounge lists, and eligibility terms are subject to change by issuing banks. CardCompare India is an independent review site and cannot guarantee final card approvals. Review the bank's official Reward Charters and Most Important Terms and Conditions (MITC) before submitting credit applications.