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

IDFC FIRST Wealth Credit Card has lower forex markup (1.5% vs 1.99%).

Which card has a lower annual fee: ICICI Amazon Pay Credit Card or IDFC FIRST Wealth 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 Wealth 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 ~0.5%).

Pairwise comparison Compare 3+ cards →

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

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

Forex IDFC FIRST Bank Wealth Lounge IDFC FIRST Bank Wealth

Quick comparison

Three core metrics

Amazon Pay ICICI Bank

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

Wealth IDFC FIRST Bank

Annual fee ₹0 Lifetime free
Forex markup 1.5%
Domestic lounge 1/quarter Conditional · 1/quarter · requires ₹20,000 spend in the previous month

Reward earning explained

Per card

Amazon Pay

5% on Amazon for Prime users (domestic) + 3% on Amazon for non-Prime users (dom…

Wealth

6.7 pts / ₹100 on Dining (10X reward points on Dining, Travel, and Internationa…

Pick based on what matters

3 dimensions

Start with the constraint you care about most: annual fee (ICICI Bank Amazon Pay: ₹0 vs IDFC FIRST Bank Wealth: ₹0), forex markup (1.99% vs 1.5%), or lounge access (No complimentary lounge access vs 1/quarter).

Travel Insufficient data

Insufficient data to compare travel

Only IDFC FIRST Bank Wealth has comparable evidence here. Forex markup is 1.5%.

Amazon Pay: Limited data Wealth: Limited data
Forex markup IDFC FIRST Bank Wealth wins

IDFC FIRST Bank Wealth is better for forex

IDFC FIRST Bank Wealth is stronger here. IDFC FIRST Bank Wealth has a lower forex markup (1.5% vs 1.99%).
Lounge access IDFC FIRST Bank Wealth wins

IDFC FIRST Bank Wealth is better for lounge access

IDFC FIRST Bank Wealth is stronger here. Domestic lounge access is 1 per quarter.

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 Wealth: ~₹250/month at base rate

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	Amazon Pay ICICI Bank	Wealth IDFC FIRST Bank
Lounge Access
Domestic lounge visits No complimentary lounge access vs 1/quarter	No complimentary lounge access	1/quarter
International lounge visits Only available for IDFC FIRST Wealth	Not specified	4/year
Forex / International Use
Forex markup Source agreement differs — verify both. 1.99% vs 1.5%	1.99%	1.5%
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
Points per ₹100 1% vs 2 pts	1%	2 pts
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 Wealth	Not specified	2 years

Notes

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