Which card has a lower forex fee: Times Black ICICI Bank Credit Card or IDFC First Bank Mayura Credit Card?

IDFC First Bank Mayura Credit Card has lower forex markup (0% vs 1.49%).

Which card has a lower annual fee: Times Black ICICI Bank Credit Card or IDFC First Bank Mayura Credit Card?

IDFC First Bank Mayura Credit Card has a lower annual fee (₹5,999 vs ₹20,000).

Which card offers better lounge access?

Times Black ICICI Bank Credit Card: Unlimited domestic lounge. IDFC First Bank Mayura Credit Card: 16/year domestic lounge.

Which card has a higher base reward rate?

Times Black ICICI Bank Credit Card has higher base reward value (~2% vs ~1.67%).

Pairwise comparison Add another card →

ICICI Bank Times Black vs IDFC FIRST Bank Mayura Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the ICICI Bank Times Black and the IDFC FIRST Bank Mayura. Verify fees, lounge access, forex markup, and base rewards before you apply.

Travel IDFC FIRST Bank Mayura Forex IDFC FIRST Bank Mayura Rewards ICICI Bank Times Black

Quick comparison

Three core metrics

Times Black ICICI Bank

Annual fee ₹20,000 Waivable at ₹25,00,000 spend
Forex markup 1.49%
Domestic lounge Unlimited

Mayura IDFC FIRST Bank

Annual fee ₹5,999
Forex markup 0%
Domestic lounge 16/year

Reward earning explained

Per card

Times Black

2 pts / ₹100 on General spend

Limited data

Mayura

5 pts / ₹150 on General spend

Limited data

Pick based on what matters

6 dimensions

Start with the constraint you care about most: annual fee (ICICI Bank Times Black: ₹20,000 vs IDFC FIRST Bank Mayura: ₹5,999), forex markup (1.49% vs 0%), or lounge access (Unlimited vs 16/year).

Travel IDFC FIRST Bank Mayura wins

IDFC FIRST Bank Mayura is better for travel

IDFC FIRST Bank Mayura is stronger here. Forex markup is 0%.

Times Black: Limited data Mayura: Limited data
Forex markup IDFC FIRST Bank Mayura wins

IDFC FIRST Bank Mayura is better for forex

IDFC FIRST Bank Mayura is stronger here. Forex markup is 0%.

Times Black: Limited data Mayura: Limited data
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is unlimited. Domestic lounge access is 16/year.

Mayura: Limited data
Rewards ICICI Bank Times Black wins

ICICI Bank Times Black is better for rewards

ICICI Bank Times Black is stronger here. Estimated base reward value is ~2% on base spend.

Times Black: Limited data Mayura: Limited data
Annual fee Insufficient data

Insufficient data to compare fees

Only ICICI Bank Times Black has comparable evidence here. Annual fee is ₹20,000.

Times Black: Limited data Mayura: Limited data
upi Tie

Both cards are similar for UPI usage

Visa network does not support UPI payments.

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Times Black ICICI Bank: ~₹1,000/month at base rate
IDFC First Bank Mayura: ~₹830/month at base rate

Illustrative only, using current base rates before caps.

Field	Times Black ICICI Bank	Mayura IDFC FIRST Bank
Lounge Access
Domestic lounge visits Unlimited vs 16/year	Unlimited	16/year
International lounge visits 12/year vs 16/year	12/year	16/year
Forex / International Use
Forex markup Source agreement differs — verify both. 1.49% vs 0%	1.49%	0%
Fees
Annual fee ₹20,000 vs ₹5,999	₹20,000	₹5,999
Joining fee ₹20,000 vs ₹5,999	₹20,000	₹5,999
Fee waiver spend Only available for Times Black ICICI Bank	₹25,00,000	Not specified
Rewards
Reward points (base spend) 2 pts/₹100 vs 5 pts/₹150	2 pts/₹100	5 pts/₹150
Point cash value ₹1 vs ₹0.5	₹1	₹0.5

Notes

Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.