All credit cardsRates verified 15 Jun 2026Rates verified 15 Jun 2026
IDFC FIRST Millennia vs Amazon Pay ICICI
Quick answer
IDFC FIRST Millennia wins this comparison on 2 of 6 measures — fees, rewards, lounge, forex and APR. But pick based on how you actually spend; the card that wins on your top category beats the overall winner.
IDFC FIRST Bank
IDFC FIRST Millennia
Visa · RuPay
ICICI Bank
Amazon Pay ICICI
Visa
Our pick
IDFC FIRST Millennia edges it for most people.
It wins on 2 of 6 measures. But if you spend heavily on shopping, the other one may still be the smarter call — check the row that matters most to you.
| Feature | IDFC FIRST Millennia | Amazon Pay ICICI |
|---|---|---|
| Annual fee | Free | Free |
| Top reward rate | 3% | 5% ✓ |
| Lounge visits/yr | 4 ✓ | 0 |
| Forex markup | 4% | 4% |
| APR (per year) | 42% ✓ | 45% |
| Min income/mo | ₹20,000 | ₹20,000 |