Which card has a lower forex fee: ICICI Amazon Pay Credit Card or IDFC FIRST Select Credit Card?

Both cards have the same forex markup (1.99%).

Which card has a lower annual fee: ICICI Amazon Pay Credit Card or IDFC FIRST Select Credit Card?

Both cards have the same annual fee (No joining or annual fee currently listed).

Which card offers better lounge access?

ICICI Amazon Pay Credit Card: No complimentary lounge access. IDFC FIRST Select Credit Card: 1 per quarter domestic lounge.

Which card has a higher base reward rate?

ICICI Amazon Pay Credit Card has higher conservative base reward value (~1% vs ~0.38%).

Pairwise comparison Compare 3+ cards →

ICICI Bank Amazon Pay vs IDFC FIRST Bank Select Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the ICICI Bank Amazon Pay and the IDFC FIRST Bank Select. Verify fees, lounge access, forex markup, and base rewards before you apply.

Amazon Pay

Select

The short answer

Verdict

Pick Amazon Pay for rewards.

Pick Select for lounge access.

Head-to-head

Three core metrics

Annual fee

Amazon Pay ₹0

Select ₹0
Forex markup

Amazon Pay 1.99%

Select 1.99%
Domestic lounge

Amazon Pay No complimentary lounge access

Select 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹20,000 spend in the previous month (unlocks the following month)

Select: +4 lounge visits/yr

Reward earning explained

Per card

Amazon Pay

Strong data

Select

3 pts / ₹200 · 10 pts / ₹200 on eligible dining, international, and travel

Strong data

Pick based on what matters

4 dimensions

Start with the constraint you care about most: annual fee (ICICI Bank Amazon Pay: ₹0 vs IDFC FIRST Bank Select: ₹0), forex markup (1.99% vs 1.99%), or lounge access (No complimentary lounge access vs 4/year (1 per quarter)).

Travel Insufficient data

Insufficient data to compare travel

Only IDFC FIRST Bank Select has comparable evidence here. Forex markup is 1.99%.

Amazon Pay: Strong data Select: Strong data
Forex markup Tie

Both cards are similar for forex

Forex markup is 1.99%.
Lounge access IDFC FIRST Bank Select wins

IDFC FIRST Bank Select is better for lounge access

IDFC FIRST Bank Select is stronger here. Domestic lounge access is 1 per quarter.
Rewards ICICI Bank Amazon Pay wins

ICICI Bank Amazon Pay is better for rewards

ICICI Bank Amazon Pay is stronger here. ICICI Bank Amazon Pay conservative base value ~1% vs IDFC FIRST Bank Select's ~0.4%.

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Amazon Pay: ~₹500/month at base rate
IDFC FIRST Select: ~₹190/month at base rate

Illustrative only, using current base rates before caps.

Field	Amazon Pay ICICI Bank	Select IDFC FIRST Bank
Insurance — Air accident cover Only available for IDFC FIRST Select	Not specified	₹1 crore
Insurance — Personal accident cover Only available for IDFC FIRST Select	Not specified	₹5 lakh
Insurance — Lost card liability cover Only available for IDFC FIRST Select	Not specified	₹50,000
Insurance — Underwriter Only available for IDFC FIRST Select	Not specified	Insured by New India Assurance
Lounge Access
Domestic lounge visits spend-gated on some cards — see caveats No complimentary lounge access vs 4/year (1 per quarter)	No complimentary lounge access	4/year (1 per quarter)
International lounge visits Only available for IDFC FIRST Select	Not specified	No international lounge access
Forex / International Use
Forex markup	1.99%	1.99%
Fees
Recurring annual fee	₹0	₹0
First-year cost Only available for Amazon Pay	₹0	Not specified
Interest-free period Up to 48 days vs Up to 45 days	Up to 48 days	Up to 45 days
Monthly interest rate 3.75% / month vs 0.71%–3.85% per month	3.75% / month	0.71%–3.85% per month
Fuel benefit 1% surcharge waiver · up to ₹4,000 transactions · Fuel rewards excluded vs 1% surcharge waiver · ₹200–₹5,000 transactions · ₹300/month waiver cap · Fuel rewards excluded	1% surcharge waiver · up to ₹4,000 transactions · Fuel rewards excluded	1% surcharge waiver · ₹200–₹5,000 transactions · ₹300/month waiver cap · Fuel rewards excluded
Rewards
Base earn Some reward lanes are unsupported — base rate only for comparison. 1% vs 3 pts / ₹200	1%	3 pts / ₹200
Conservative base value ~1% vs ~0.4%	~1%	~0.4%
Earn ceiling Uncapped vs Rewards apply only to spend up to your credit limit each statement cycle — shared across General spend, Dining, International spend, Travel, Insurance & Utilities	Uncapped	Rewards apply only to spend up to your credit limit each statement cycle — shared across General spend, Dining, International spend, Travel, Insurance & Utilities
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. ₹1 vs ₹0.25	₹1	₹0.25
Point validity Only available for IDFC FIRST Select	Not specified	2 years

Notes

IDFC FIRST Select Credit Card: Condition: ₹20,000 spend in the previous month (unlocks the following month)
Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.

ICICI Bank Amazon Pay

Verify with issuer

IDFC FIRST Bank Select

Verify with issuer