ICICI Bank
Best valueAmazon Pay ICICI Credit Card
Lifetime-free card with 5% back for Prime members — the default first card for online shoppers.
5% on Amazon (Prime)
Annual fee
Lifetime free
IDFC FIRST Bank · Visa
IDFC FIRST Millennia
Entry lifetime-free card with welcome vouchers and one railway lounge visit each quarter.
What we've verified
Long-form review pending — we publish depth only once we've read the full terms.
- Lifetime free — no joining or annual fee.
- No spend condition to keep the card active.
- Headline earn rate: Up to 10x reward points.
- Includes complimentary airport lounge access (visit counts vary by tier and spend).
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Fully app-controlled metal card, lifetime free, with 5x on your top spending category.
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Ready to apply for the IDFC FIRST Millennia?
Takes under a minute. We hand you off to IDFC FIRST Bank's official secure application — no middlemen, no data resold.