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| Feature | IDFC FIRST Bank IDFC FIRST Mayura Credit Card | IDFC FIRST Bank IDFC FIRST Ashva Credit Card |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | IDFC FIRST Bank | IDFC FIRST Bank |
| Network | Mastercard | Visa |
| Annual fee | ₹5,999 + GST per year | ₹2,999 + GST per year |
| Annual fee waiver | No waiver recorded | No waiver recorded |
| Base reward rate | 1.7% | 1.3% |
Limits and access Check caps, eligibility and useful access benefits before deciding. | ||
| Reward caps | No general cap recorded | No general cap recorded |
| RuPay credit card on UPI | Eligible for merchant UPI payments | Not eligible |
| Airport lounge access | 16 domestic airport lounge visits per year • 16 international airport lounge visits per year | 16 domestic airport lounge visits per year • 8 international airport lounge visits per year |
| Forex markup | 0% | 0% |
| Monthly income requirement | Not listed | Not listed |
| Terms verified | 13 Sept 2026 | 13 Sept 2026 |
| Best suited to | Frequent international travellers with meaningful foreign-currency spend who can use premium lounge and movie benefits. | International travellers who want premium travel access below Mayura’s annual fee. |
| Main trade-off | The ₹5,999 annual fee has no standard waiver. Lounge and movie access require ₹20,000 of current-month spend for use in the following month, and headline reward value assumes travel redemption. | The ₹2,999 annual fee has no standard waiver. Rewards stop above the assigned credit limit in a billing cycle, travel bonus points are capped, and the ₹0.40 point value needs eligible app travel redemption. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
