Review published fees, rewards, caps, eligibility and benefits side by side. Return to the catalogue to change your selection.
Compare every selected card in one table.
Swipe sideways to see all 2 cards.
| Feature | IDFC FIRST Bank IDFC FIRST Mayura Credit Card | SBI Card SBI Card ELITE |
|---|---|---|
Card essentials Start with pricing, network and the baseline earning rate. | ||
| Issuer | IDFC FIRST Bank | SBI Card |
| Network | Mastercard | Visa |
| Annual fee | ₹5,999 + GST per year | ₹4,999 + GST per year |
| Annual fee waiver | No waiver recorded | At ₹10,00,000 annual spending |
| Base reward rate | 1.7% | 0.5% |
Reward rate by category Published cashback or estimated reward value for each category. The stronger rate is highlighted. | ||
| Dining & delivery | 1.7% · Standard and incremental rewards | 2.5% · Dining and grocery bonus |
| Groceries & essentials | 1.7% · Standard and incremental rewards | 2.5% · Dining and grocery bonus |
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 | 8 domestic airport lounge visits per year • 6 international airport lounge visits per year |
| Forex markup | 0% | 2.0% |
| 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. | High-spend households that can use monthly movies, domestic and international airport lounges, and the full annual milestone ladder. |
| 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 ₹4,999 renewal fee needs ₹10 lakh of eligible annual spend for waiver. Accelerated rewards are capped monthly, and the former air-accident cover is no longer included. |
| Actions | Full analysisApply ↗ | Full analysisApply ↗ |
Set only your real monthly spending. GainFair calculates annual value after caps, recurring fees and GST. Nothing is prefilled.
