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Amazon Pay vs IDFC FIRST Select – Full comparison

Both cards verified with issuer

Amazon Pay source IDFC FIRST Select source

Difference is primarily driven by base reward rates

Key differences

Best rewards Amazon Pay ~1%
Best lounge IDFC FIRST Select 4/year lounge

Spend context

At ₹50k/month spend:

  • Amazon Pay: ~₹500/month at base rate
  • IDFC FIRST Select: ~₹130/month at base rate

Amazon Pay shows higher base earn at this spend

Approximate, based on base rates (before caps).

Amazon Pay ICICI IDFC FIRST Select IDFC
Lounge Access
Domestic lounge visits
None vs 4/year
None 4/year
Forex / International Use
Forex markup
No difference
1.99% 1.99%
Fees
Annual fee
No difference
₹0 ₹0
Joining fee
Only available for Amazon Pay
₹0 Not clearly specified
Rewards
Points per ₹100
No difference
1 pts 1 pts
Point cash value
₹1 vs ₹0.25
₹1 ₹0.25

Notes

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

Data is compiled from issuer and public sources. Always verify with the issuer before applying.