Which card has a lower forex fee: IDFC First Bank Mayura Credit Card or IDFC FIRST Wealth Credit Card?

Both cards have the same forex markup (0%).

Which card has a lower annual fee: IDFC First Bank Mayura Credit Card or IDFC FIRST Wealth Credit Card?

IDFC First Bank Mayura Credit Card has a lower annual fee (₹5,999 vs ₹12,000).

Which card offers better lounge access?

IDFC First Bank Mayura Credit Card: 16/year domestic lounge. IDFC FIRST Wealth Credit Card: Unlimited domestic lounge.

Which card has a higher base reward rate?

IDFC First Bank Mayura Credit Card has higher base reward value (~1.67% vs ~1%).

Pairwise comparison Add another card →

IDFC FIRST Bank Mayura vs IDFC FIRST Bank Wealth Credit Cards – Fees, Lounge, Forex

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

Rewards IDFC FIRST Bank Mayura

Quick comparison

Three core metrics

Mayura IDFC FIRST Bank

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

Wealth IDFC FIRST Bank

Annual fee ₹12,000 Waivable at ₹15,00,000 spend
Forex markup 0%
Domestic lounge Unlimited

Reward earning explained

Per card

Mayura

5 pts / ₹150 on General spend

Limited data

Wealth

6 pts / ₹150 on General spend

Limited data

Pick based on what matters

6 dimensions

Start with the constraint you care about most: annual fee (IDFC FIRST Bank Mayura: ₹5,999 vs IDFC FIRST Bank Wealth: ₹12,000), forex markup (0% vs 0%), or lounge access (16/year vs Unlimited).

Travel Tie

Both cards are similar for travel

Forex markup is 0%.

Mayura: Limited data Wealth: Limited data
Forex markup Tie

Both cards are similar for forex

Forex markup is 0%.

Mayura: Limited data Wealth: Limited data
Lounge access Tie

Both cards are similar for lounge access

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

Mayura: Limited data
Rewards IDFC FIRST Bank Mayura wins

IDFC FIRST Bank Mayura is better for rewards

IDFC FIRST Bank Mayura is stronger here. IDFC FIRST Bank Mayura returns ~1.7% vs IDFC FIRST Bank Wealth's ~1.0% at base spend.

Mayura: Limited data Wealth: Limited data
Annual fee Insufficient data

Insufficient data to compare fees

Only IDFC FIRST Bank Wealth has comparable evidence here. Annual fee is ₹12,000.

Mayura: Limited data Wealth: 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:

IDFC First Bank Mayura: ~₹830/month at base rate
IDFC FIRST Wealth: ~₹500/month at base rate

Illustrative only, using current base rates before caps.

Field	Mayura IDFC FIRST Bank	Wealth IDFC FIRST Bank
Lounge Access
Domestic lounge visits 16/year vs Unlimited	16/year	Unlimited
International lounge visits 16/year vs 4/year	16/year	4/year
Forex / International Use
Forex markup	0%	0%
Fees
Annual fee ₹5,999 vs ₹12,000	₹5,999	₹12,000
Joining fee ₹5,999 vs ₹0	₹5,999	₹0
Fee waiver spend Only available for IDFC FIRST Wealth	Not specified	₹15,00,000
Rewards
Points per ₹150 5 pts vs 6 pts	5 pts	6 pts
Point cash value ₹0.5 vs ₹0.25	₹0.5	₹0.25

Notes

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