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 (No joining or annual fee currently listed).

Which card offers better lounge access?

ICICI Amazon Pay Credit Card: No complimentary lounge access. IDFC FIRST Wealth Credit Card: 1 domestic + 1 international lounge visits/quarter.

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 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.

Amazon Pay

Wealth

The short answer

Verdict

Pick Amazon Pay for rewards.

Pick Wealth for spending abroad and lounge access.

Head-to-head

Three core metrics

Annual fee

Amazon Pay ₹0

Wealth ₹0
Forex markup

Amazon Pay 1.99%

Wealth 1.5%

Wealth saves ~₹490 per ₹1L abroad
Domestic lounge

Amazon Pay No complimentary lounge access

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

Wealth: +4 lounge visits/yr

Reward earning explained

Per card

Amazon Pay

Strong data

Wealth

1.5 pts / ₹100 · 5 points/₹100 on eligible travel, dining, and international

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 Wealth: ₹0), forex markup (1.99% vs 1.5%), 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 Wealth has comparable evidence here. Forex markup is 1.5%.

Amazon Pay: Strong data Wealth: Strong 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.
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 Wealth'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 Wealth: ~₹190/month at base rate

Illustrative only, using current base rates before caps.

Field	Amazon Pay ICICI Bank	Wealth IDFC FIRST Bank
Insurance — Air accident cover Only available for IDFC FIRST Wealth	Not specified	₹1 crore
Insurance — Personal accident cover Only available for IDFC FIRST Wealth	Not specified	₹10 lakh
Insurance — Lost card liability cover Only available for IDFC FIRST Wealth	Not specified	₹50,000
Insurance — Underwriter Only available for IDFC FIRST Wealth	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 Wealth	Not specified	1 per quarter
Forex / International Use
Forex markup Source agreement differs — verify both. 1.99% vs 1.5%	1.99%	1.5%
Fees
Recurring annual fee	₹0	₹0
First-year cost	₹0	₹0
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 3.85% / month	3.75% / month	3.85% / month
Fuel benefit 1% surcharge waiver · up to ₹4,000 transactions · Fuel rewards excluded vs 1% surcharge waiver · ₹200–₹5,000 transactions · Fuel rewards excluded	1% surcharge waiver · up to ₹4,000 transactions · Fuel rewards excluded	1% surcharge waiver · ₹200–₹5,000 transactions · Fuel rewards excluded
Rewards
Base earn Some reward lanes are unsupported — base rate only for comparison. 1% vs 1.5 pts / ₹100	1%	1.5 pts / ₹100
Conservative base value ~1% vs ~0.4%	~1%	~0.4%
Earn ceiling Uncapped vs ₹20,000 per month	Uncapped	₹20,000 per month
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

IDFC FIRST Wealth 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 Wealth

Verify with issuer