Amazon Pay ICICI vs IDFC FIRST Wow
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IDFC FIRST Wow wins 3-2. Secured card backed by FD — accessible to thin-credit-file applicants. Amazon Pay ICICI is still the right call if heavy amazon shoppers — best free card in india.
Side-by-side
| Criterion | Amazon Pay ICICI | IDFC FIRST Wow |
|---|---|---|
| Annual fee | = No annual fee | = No annual fee |
| Joining fee | = None | = None |
| Top reward rate | 5% (shopping) | · 1% (general) |
| Base reward rate | = 1% | = 1% |
| Forex markup | · 3.5% | No FX fee |
| Welcome bonus | = ₹500 Amazon Pay balance on first transaction | = Lifetime free + 600 points on first transaction |
| Fee waiver threshold | = N/A (no fee) | = N/A (no fee) |
| Min income | · ₹300,000 | — |
| Min credit score | · 720 | 600 |
| Editorial rating | 4.7/5 | · 4/5 |
Benefits compared
Amazon Pay ICICI
- 5% cashback on Amazon for Prime members (3% non-Prime)
- 2% cashback on 100+ Amazon Pay merchants (Swiggy, BigBasket, MakeMyTrip)
- 1% cashback on every other transaction
- No annual fee, no joining fee, ever
- 1% fuel surcharge waiver
- No reward expiry, no minimum redemption
IDFC FIRST Wow
- 1 reward point per ₹100 (no rate change cliff)
- Lifetime free, no annual fee
- 4 complimentary domestic lounge visits/quarter
- 1% fuel surcharge waiver
- Backed by FD: easy approval
FAQ
›Amazon Pay ICICI vs IDFC FIRST Wow: which is better?
IDFC FIRST Wow wins on more dimensions (3 vs 2). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use Amazon Pay ICICI for its best categories, IDFC FIRST Wow for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
Amazon Pay ICICI: ₹500 Amazon Pay balance on first transaction. IDFC FIRST Wow: Lifetime free + 600 points on first transaction.