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 (₹0).

Which card offers better lounge access?

ICICI Amazon Pay Credit Card: No domestic lounge. IDFC FIRST Select Credit Card: 16/year domestic lounge.

Which card has a higher base reward rate?

ICICI Amazon Pay Credit Card has higher base reward value (~1% vs ~0.5%).

Pairwise comparison Add another card →

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.

Lounge IDFC FIRST Bank Select

Quick comparison

Three core metrics

Amazon Pay ICICI Bank

Annual fee ₹0 Lifetime free
Forex markup 1.99%
Domestic lounge No lounge access

Select IDFC FIRST Bank

Annual fee ₹0 Lifetime free
Forex markup 1.99%
Domestic lounge 16/year

Reward earning explained

Per card

Amazon Pay

2% on Amazon + 1% on General spend

Select

3 pts / ₹150 on General spend

Limited data

Pick based on what matters

6 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 lounge access vs 16/year).

Travel Insufficient data

Insufficient data to compare travel

Only IDFC FIRST Bank Select has comparable evidence here. Forex markup is 2%.

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

Both cards are similar for forex

Forex markup is 2%.

Amazon Pay: Limited data Select: Limited data
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 16/year.

Amazon Pay: Limited data Select: Limited data
Rewards Insufficient data

Insufficient data to compare rewards

Only ICICI Bank Amazon Pay has comparable evidence here. Estimated base reward value is ~1% on base spend.

Select: Limited data
Annual fee Tie

Both cards are similar for fees

Annual fee is ₹0.

Amazon Pay: Limited data Select: Limited data
upi Tie

Both cards are similar for UPI usage

Visa network does not support UPI payments.

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Amazon Pay: ~₹500/month at base rate
IDFC FIRST Select: ~₹250/month at base rate

Illustrative only, using current base rates before caps.

Field	Amazon Pay ICICI Bank	Select IDFC FIRST Bank
Lounge Access
Domestic lounge visits No lounge access vs 16/year	No lounge access	16/year
Forex / International Use
Forex markup	1.99%	1.99%
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

Notes

Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.