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 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 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.

Lounge IDFC FIRST Bank Select Rewards ICICI Bank Amazon Pay

Quick comparison

Three core metrics

Amazon Pay ICICI Bank

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

Select IDFC FIRST Bank

Annual fee ₹0 Lifetime free
Forex markup 1.99%
Domestic lounge 4/year (1 per quarter) Conditional · Domestic: 1/quarter · requires ₹20,000 spend in the previous month

Reward earning explained

Per card

Amazon Pay

Limited data

Select

3 pts / ₹200 · Up to 10 pts / ₹200 on Dining

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: Limited data Select: Limited 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%.

ICICI Bank Amazon Pay

Confidence: Low (limited information available)

Verify with issuer

IDFC FIRST Bank Select

Confidence: Low (limited information available)

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: ~₹190/month at base rate

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	Amazon Pay ICICI Bank	Select IDFC FIRST Bank
Lounge Access
Domestic lounge visits No complimentary lounge access vs 4/year (1 per quarter)	No complimentary lounge access	4/year (1 per quarter)
Forex / International Use
Forex markup	1.99%	1.99%
Fees
Annual fee	₹0	₹0
Joining fee	₹0	₹0
Interest-free period Up to 48 days vs Up to 45 days	Up to 48 days	Up to 45 days
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%
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

Some data has low confidence — verify with the issuer before relying on it.
Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.