Shortlist 2–4 cards
This page compares two cards side-by-side so you can pick the better fit. Use it to verify fees, lounge access, forex markup, and base rewards before you apply.
| Feature | Amazon Pay | IDFC FIRST Millennia |
|---|---|---|
| Annual fee | ₹0 | ₹0 |
| Forex fee | 1.99% | 3.5% |
| Domestic lounge | No lounge access | 4/year |
Start with the constraint you care about most: annual fee (Amazon Pay: ₹0 vs IDFC FIRST Millennia: ₹0), forex markup (1.99% vs 3.5%), or lounge access (No lounge access vs 4/year).
Explore: Amazon Pay card page · IDFC FIRST Millennia card page · best credit cards in India
Source: ICICI Bank official terms
Open source (opens in new tab)Source: IDFC FIRST Bank official terms
Open source (opens in new tab)At ₹50k/month spend:
Illustrative only, using current base rates before caps.
| Amazon Pay ICICI Bank | IDFC FIRST Millennia IDFC FIRST Bank | |
|---|---|---|
| Lounge Access | ||
| Domestic lounge visits No lounge access vs 4/year | No lounge access | 4/year |
| Forex / International Use | ||
| Forex markup Source agreement differs — verify both. 1.99% vs 3.5% | 1.99% | 3.5% |
| Fees | ||
| Annual fee | ₹0 | ₹0 |
| Joining fee | ₹0 | ₹0 |
| Rewards | ||
| Reward points (base spend) 1 pts/₹100 vs 3 pts/₹150 | 1 pts/₹100 | 3 pts/₹150 |
| Point cash value ₹1 vs ₹0.25 | ₹1 | ₹0.25 |