IDFC FIRST Millennia vs Amazon Pay ICICI
IDFC FIRST Millennia is better for its partner brands, while Amazon Pay ICICI wins on online shopping, groceries, food delivery & dining. Both have the same annual fee.
IDFC FIRST Bank
IDFC FIRST Millennia Credit Card
•••• 8940Visa
ICICI Bank
Amazon Pay ICICI Credit Card
•••• 7352Visa
| IDFC FIRST Millennia Credit Card | Amazon Pay ICICI Credit Card | |
|---|---|---|
| Issuer | IDFC FIRST Bank | ICICI Bank |
| Network | Visa | Visa |
| Best for | Free everyday card | Amazon shoppers |
| Headline benefit | Lifetime free, 10X | 5% on Amazon |
| Joining fee | Free | Free |
| Annual fee | Free | Free |
| Fee waiver | Not needed | Not needed |
| Works on UPI | No | No |
| Lounge access | Railway lounges (spend-based) | None |
| Online shopping rewards | 1% | 4% |
| Groceries rewards | 1% | 2% |
| Food delivery & dining rewards | 1% | 2% |
| Fuel rewards | – | – |
| UPI scan & pay rewards | – | – |
| Bills & recharges rewards | 0.5% | 2% |
| Travel & flights rewards | 1% | 2% |
| Everything else rewards | 1% | 1% |
| Apply now | Apply now |
Choose IDFC FIRST Millennia if…
- Lifetime free
- Points never expire
- Easy approval
Watch out for
- Best rate only above ₹20,000/month
- 3.5% forex markup
- No airport lounges
Choose Amazon Pay ICICI if…
- Lifetime free, so no fee to recover
- Rewards credited as Amazon Pay balance
- Great first card that's easy to get
Watch out for
- Best value only for Amazon Prime members
- Rewards usable only on Amazon
- No lounge access
Verdict
IDFC FIRST Millennia is better for its partner brands, while Amazon Pay ICICI wins on online shopping, groceries, food delivery & dining. Both have the same annual fee. Many people hold both: the two cards cover different categories, so using each where it earns most maximises your total rewards. Try the card finder with your own spends to see the exact difference.