IDFC FIRST Mayura Credit Card vs IDFC FIRST Wealth Credit Card
Last verified 20 Oct 2026 · how we compare
Side by side
| Feature | IDFC FIRST Mayura Credit Card | IDFC FIRST Wealth Credit Card |
|---|---|---|
| Issuer | IDFC FIRST Bank | IDFC FIRST Bank |
| Joining fee | ₹5,999 | Free |
| Annual fee | ₹5,999 | Free |
| Fee waiver | This card isn't free: the ₹5,999 joining fee and the ₹5,999 annual fee apply whatever you spend, with no spend-based waiver. Paying the joining fee brings up to 12,000 reward points (4,000 on payment, then 4,000 for each of ₹20,000 spent in your 2nd and 3rd statement cycles), once per customer. When the annual fee is paid, spending ₹8 lakh in the previous card year earns 7,500 points, or ₹15 lakh earns 15,000 points. | Lifetime free: no joining or annual fee, no spend condition |
| Everyday spends (value back) | 1.67% | 0.38% |
| Online shopping (value back) | 1.67% | 0.38% |
| Fuel (value back) | 0% | 0% |
| Groceries (value back) | 1.67% | 0.38% |
| Travel (value back) | 1.67% | 1.25% |
| Bills and utilities (value back) | 0.33% | 0.13% |
| Dining and food delivery (value back) | 1.67% | 1.25% |
| Rewards in short | Reward points on every ₹150, worth ₹0.50 each when you book flights and hotels in IDFC FIRST's app (₹0.25 on vouchers, products and other redemptions). At the travel value: 1.67% back on your first ₹20,000 of spends a month and on international spends, 3.33% on spends above ₹20,000 a month and on your birthday; rent, education, wallet loads and government payments 1%; insurance, utilities, railways and FASTag 0.33%. Halve these at ₹0.25 a point. Extra bonus points on hotels and flights booked in the app. No points on fuel, EMI or cash withdrawals. International spends keep earning points after IDFC FIRST's 26 October 2026 change. | Dining and travel spends earn 1.25% back in reward points from the first rupee, other spends 0.375%, utilities, insurance, railways and FASTag 0.125%; no points on international spends from 26 October 2026. Visa Infinite with domestic and international lounge visits. |
| Works on UPI | No | No |
| Airport lounge | 4 airport lounge visits in India a quarter (one can be for a guest), 4 at airports abroad a quarter and 4 railway lounge visits a quarter. They work in a given month only if you spent ₹20,000 on the card the month before, and add-on cardholders share the same visits. | 4 domestic and 4 international airport visits a year (1 each a quarter, international via a DreamFolks card) plus 4 railway lounge visits; spend ₹20,000 in a calendar month to use them the next month. |
| Forex markup | 0% | 0% |
| Fuel surcharge waiver | 1% waiver on fuel transactions of ₹200 to ₹5,000, up to ₹300 per statement cycle. If your fuel spends pass ₹30,000 in a cycle, a 1% fee applies to all of them. Fuel earns no points. | 1% on fuel transactions of ₹200–₹5,000, up to ₹300 per statement cycle |
| Card network | Mastercard | Visa |
| Minimum income (salaried) | Not published by the bank | ₹3,00,000 a month |
Value back is the % of spend you get at the bank's published redemption value. “–” means the bank doesn't publish it. Fees exclude GST.
Which one to pick
Pick the IDFC FIRST Mayura Credit Card if
you spend well over ₹20,000 a month, travel abroad, or want 4 lounge visits a quarter in India and abroad
₹5,999 joining, ₹5,999 a year
Pick the IDFC FIRST Wealth Credit Card if
your income is ₹36 lakh a year or more and you'd rather pay no fee
Lifetime free
CreditParakh is not a bank or lender. Approval, limits and final terms are decided by the issuer.
Questions people ask
Which earns more, IDFC FIRST Mayura or Wealth?
Mayura, on most spends. Valued at ₹0.25 a point (vouchers and products), it returns about 0.83% on your first ₹20,000 of spend a month and on international spends, and 1.67% above ₹20,000 a month and on your birthday. Booked as flights and hotels in IDFC FIRST's app, its points are worth ₹0.50, doubling those rates. Wealth returns 0.375% on most spends and 1.25% on dining and travel at ₹0.25 a point, so it beats Mayura on dining and travel within the first ₹20,000 a month. Neither earns on fuel, EMIs or cash withdrawals.
Which is better for spending abroad?
Mayura. Both charge no forex markup (Wealth since 9 Sep 2026), but from 26 Oct 2026 Wealth earns no points on international spends, while Mayura keeps earning on them. Mayura also gives 4 international lounge visits a quarter, against Wealth's 1.
Which has better lounge access?
Mayura: each quarter, 4 airport lounge visits in India (one can be used for a guest), 4 abroad and 4 railway lounge visits, shared with add-on cards. Wealth gives 1 domestic and 1 international visit a quarter plus railway lounge visits. Both switch visits on only if you spent ₹20,000 on the card in the previous calendar month.
Is Mayura's fee ever waived?
No. The ₹5,999 joining fee and ₹5,999 annual fee apply whatever you spend. Paying the joining fee brings up to 12,000 points (4,000 on payment and 4,000 for each ₹20,000 spent in your 2nd and 3rd statement cycles). When the annual fee is paid, spending ₹8 lakh in the previous card year earns 7,500 points, or ₹15 lakh earns 15,000. Wealth has no fee at all.
Full details: IDFC FIRST Mayura Credit Card · IDFC FIRST Wealth Credit Card · find the card that fits your spending
Last verified 20 Oct 2026 on each issuer's official page. Fees and rewards change; check the issuer's terms before you apply.