Amazon Pay ICICI Bank Credit Card vs IDFC FIRST Millennia Credit Card
How Amazon Pay ICICI Bank Credit Card and IDFC FIRST Millennia Credit Card compare on fees, rewards and eligibility — verified as of June 2026.
By NexMaxo Editorial Team · Terms verified June 2026
Apply links will be affiliate links once activated — we may earn a commission at no extra cost to you; it never changes this comparison. How we make money →
Quick take
Both are lifetime-free, so neither costs anything to hold — the choice comes down to rewards and where you spend.
Amazon Pay ICICI Bank Credit Card — better for amazon regulars who want a genuinely no-fee everyday cashback card.
IDFC FIRST Millennia Credit Card — better for a no-fee everyday rewards card with points that never expire.
Side by side
| Amazon Pay ICICI Bank Credit CardICICI Bank | IDFC FIRST Millennia Credit CardIDFC FIRST Bank | |
|---|---|---|
| Annual fee | Nil — lifetime-free | Nil — lifetime-free |
| Reward rate | 5% Amazon (Prime) / 3% (non-Prime); 2% partners; 1% else; no cap | 3X ≤₹20k/mo; 10X >₹20k/mo & birthday (1 pt = ₹0.25); never expire |
| Lifetime-free | Yes | Yes |
| Network | Visa | Visa / RuPay |
| Eligibility | 21+ yrs; salaried ₹20k+/mo or self-employed ₹30k+/mo (invite-based) | Approx 21–65 yrs; ≈₹25,000+/mo (aggregator-sourced) |
| Best for | Amazon regulars who want a genuinely no-fee everyday cashback card. | A no-fee everyday rewards card with points that never expire. |
Amazon Pay ICICI Bank Credit Card
- Lifetime-free — no joining or annual fee, ever
- 5% on Amazon (Prime) / 3% (non-Prime), 2% at Amazon Pay partners, 1% on the rest
- No reward cap; cashback credited as Amazon Pay balance
IDFC FIRST Millennia Credit Card
- Lifetime-free — ₹0 joining and ₹0 annual fee, no spend conditions
- 3X points up to ₹20k/mo spend, 10X above ₹20k/mo and on birthdays (1 pt = ₹0.25)
- Reward points never expire
Amazon Pay ICICI Bank Credit Card vs IDFC FIRST Millennia Credit Card — FAQs
Neither is universally better. Amazon Pay ICICI Bank Credit Card suits amazon regulars who want a genuinely no-fee everyday cashback card. IDFC FIRST Millennia Credit Card suits a no-fee everyday rewards card with points that never expire. Compare the annual fee and reward rate above against your own spending — that's what decides it.
Both are lifetime-free, so neither costs anything to hold — the choice comes down to rewards and where you spend. On rewards, Amazon Pay ICICI Bank Credit Card gives 5% back on amazon for prime members (3% non-prime), with no annual fee, ever. whereas IDFC FIRST Millennia Credit Card gives up to 10x reward points, points that never expire — and no annual fee, ever.
Amazon Pay ICICI Bank Credit Card: Nil — lifetime-free. IDFC FIRST Millennia Credit Card: Nil — lifetime-free. Both fees can usually be waived on annual spend — check the thresholds on each issuer's page.
This is an informational comparison, not financial advice. Card terms change often — confirm current fees, rewards and eligibility on each issuer's official page before applying. Pay your bill in full to avoid interest.