Axis Olympus vs IDFC FIRST Mayura (2026)
IDFC FIRST Mayura marks foreign spend up 0.0% against Axis Olympus's 1.8% — 1.8pp on every rupee you spend abroad, before either card earns a point on it.
Head to head
| Axis Olympus | Metric | IDFC FIRST Mayura |
|---|---|---|
| #8 — wins this row | Our rank | #17 |
| ₹20,000/yr | Fee — joining · annual (+ GST) | ₹5,999/yr — wins this row |
| None | Fee waiver | None |
| 1.8% + GST | Forex markup | Nil — 0% markup on foreign currency and DCC transactions — wins this row |
| 3.6%/mo (43.2%/yr) | APR | Dynamic 0.71%–3.85%/mo (8.5%–46.2%/yr); overdue rate 3.99%/mo (47.88%/yr) on MAD non-payment |
| 4.0% — wins this row | Headline earn rate | 1.7% |
| Axis EDGE Miles | Currency | IDFC FIRST Reward Points |
| ₹2.00/pt | House value | ₹0.50/pt |
| 2,500 EDGE Miles + ₹10,000 Taj/ITC hotel voucher — credited on activation and on EVERY renewal | Welcome benefit | 12,000 RP — 4,000 on fee payment + 4,000 each on ₹20k in cycles 2 and 3 (once per customer) |
| 732 of 789 — wins this row | Lounge doors opened | 127 of 789 |
| not published | Income — salaried | ~₹25L+/yr (community) |
| not published | Income — self-employed | ~₹25L+/yr (community) |
Gold marks the better side of a row. House value is our ₹-per-point mark for each card's currency — the full valuation index →
Ranking-value face-off
Everyday spend at each card's base rate plus a realistic ~20% at its best accelerator (less for narrow or capped boosters) — milestones, fee waivers and the redemption haircut all at our house ₹/point. That's why the biggest headline rate doesn't automatically win. This is the ranking model, the one that orders the board; each card page prints the earn-rate-only net annual value instead, which reads lower for any card with an accelerator (both models, side by side). Tune it to your own spend in the calculator.
Axis Olympus out-earns IDFC FIRST Mayura at every spend level we model, from ₹25k to ₹5L a month.
How the gap moves with spend
Axis Olympus leads at all 20 steps, but not by the same amount: ₹11,010 at ₹0.25L a month, ₹22,559 at ₹5L — the gap fans out with spend, widest at ₹5L (₹22,559).
IDFC FIRST Mayura pays 2 annual spend milestones, the first at ₹8,00,000 a year, and Axis Olympus pays none; Axis Olympus pays a renewal bonus whatever you spend, and IDFC FIRST Mayura pays nothing to stay.
Axis Olympus draws above the line, IDFC FIRST Mayura below · ₹0.25L to ₹5L a month, step by step
| Monthly spend | Axis Olympus | IDFC FIRST Mayura | In front |
|---|---|---|---|
| ₹0.25L | ₹13,800 | ₹2,790 | Axis Olympus by ₹11,010 |
| ₹0.5L | ₹27,600 | ₹15,588 | Axis Olympus by ₹12,012 |
| ₹0.75L | ₹41,400 | ₹32,135 | Axis Olympus by ₹9,265 |
| ₹1L | ₹55,200 | ₹44,933 | Axis Olympus by ₹10,267 |
| ₹1.25L | ₹69,000 | ₹61,480 | Axis Olympus by ₹7,520 |
| ₹1.5L | ₹82,800 | ₹74,277 | Axis Olympus by ₹8,523 |
| ₹1.75L | ₹96,600 | ₹87,075 | Axis Olympus by ₹9,525 |
| ₹2L | ₹1,10,400 | ₹99,872 | Axis Olympus by ₹10,528 |
| ₹2.25L | ₹1,24,200 | ₹1,12,670 | Axis Olympus by ₹11,530 |
| ₹2.5L | ₹1,38,000 | ₹1,25,467 | Axis Olympus by ₹12,533 |
| ₹2.75L | ₹1,51,800 | ₹1,38,264 | Axis Olympus by ₹13,536 |
| ₹3L | ₹1,65,600 | ₹1,51,062 | Axis Olympus by ₹14,538 |
| ₹3.25L | ₹1,79,400 | ₹1,63,859 | Axis Olympus by ₹15,541 |
| ₹3.5L | ₹1,93,200 | ₹1,76,657 | Axis Olympus by ₹16,543 |
| ₹3.75L | ₹2,07,000 | ₹1,89,454 | Axis Olympus by ₹17,546 |
| ₹4L | ₹2,20,800 | ₹2,02,251 | Axis Olympus by ₹18,549 |
| ₹4.25L | ₹2,34,600 | ₹2,15,049 | Axis Olympus by ₹19,551 |
| ₹4.5L | ₹2,48,400 | ₹2,27,846 | Axis Olympus by ₹20,554 |
| ₹4.75L | ₹2,62,200 | ₹2,40,644 | Axis Olympus by ₹21,556 |
| ₹5L | ₹2,76,000 | ₹2,53,441 | Axis Olympus by ₹22,559 |
Transfer reach
Only Axis Olympus
- Singapore Airlines KrisFlyer
- Finnair Plus (Avios)
- Qatar Airways Privilege Club (Avios)
Full route maps on each card page, best ₹/point routes on the optimizer →
What to watch out for
Axis Olympus · 4 more →
- Invite-only — built for Citi Prestige migrants and Axis clients spending ~₹30L/yr or earning ₹1.5Cr+
- Zero EDGE Miles on transport & tolls, utilities, insurance, education, government, wallet, rent and fuel — the exclusion list is the standard Axis one
- The 1:4 ratio is the whole engine; the April-2026 EDGE purge (Marriott/Accor gone) still applies — the returned Qatar prices Olympus at 1:2, half the flagship ratio
IDFC FIRST Mayura · 1 more →
- Closed loop: no airline/hotel transfer partners at all
- ₹0.25/pt outside app travel bookings — half the value
- Lounge and movie perks need ₹20k spend the previous month
The call
For the ₹1L/month spender, Axis Olympus nets ₹55,200 against ₹44,933 — a ₹10,267 gap. At ₹5L/month, Axis Olympus nets ₹2,76,000 against ₹2,53,441 — a ₹22,559 gap. Lounge chasers: Axis Olympus opens 732 of 789 tracked doors to IDFC FIRST Mayura's 127.
Our standing verdicts: Axis Olympus — Keep; IDFC FIRST Mayura — Keep. On our board, Axis Olympus sits at #8 to IDFC FIRST Mayura's #17 — that's the overall call. Your spend pattern can overrule us: run your exact numbers →
Straight answers
Which is better, Axis Olympus or IDFC FIRST Mayura?
Axis Olympus. It sits at #8 on our board to IDFC FIRST Mayura's #17. Axis Olympus takes 6 of the 8 rounds we can score. Axis Olympus out-earns IDFC FIRST Mayura at every spend level we model, from ₹25k to ₹5L a month.
Axis Olympus or IDFC FIRST Mayura — which earns more at ₹3L a month?
At ₹3L a month, Axis Olympus nets ₹1,65,600 against ₹1,51,062 — a ₹14,538 gap. Those are ranking-value figures: everyday spend at the card's base rate plus a realistic slice at its best accelerator, net of the fee.
Which costs less to hold, Axis Olympus or IDFC FIRST Mayura?
IDFC FIRST Mayura — ₹5,999/yr against ₹20,000/yr. Axis Olympus waives its fee at no spend level — there is no waiver; IDFC FIRST Mayura at no spend level — there is no waiver.
Which gets you into more airport lounges, Axis Olympus or IDFC FIRST Mayura?
Lounge chasers: Axis Olympus opens 732 of 789 tracked doors to IDFC FIRST Mayura's 127. Visit quotas, guest charges and spend gates are per card — the lounge map carries each one.
How current is this comparison?
Card records last re-verified against their issuers' own documents: Axis Olympus on 2026-08-05, IDFC FIRST Mayura on 2026-08-01. Every figure on this page — the ranking values, the fee rows, the lounge counts, the transfer ratios — is recomputed from those records each time the site builds, so a devaluation changes the call the day we log it.