BOBCARD Etihad Guest Premium vs IDFC FIRST Mayura (2026)
The answer changes hands 4 times between ₹0.25L and ₹5L a month — this pair is decided by your spend, not by the board.
Head to head
| BOBCARD Etihad Guest Premium | Metric | IDFC FIRST Mayura |
|---|---|---|
| #7 — wins this row | Our rank | #17 |
| ₹5,000/yr — wins this row | Fee — joining · annual (+ GST) | ₹5,999/yr |
| ₹5,00,000 spend | Fee waiver | None |
| Nil — 0% markup, Premium-specific (the non-premium Etihad Guest pays 1%) | Forex markup | Nil — 0% markup on foreign currency and DCC transactions |
| 3.75%/mo (45%/yr), from transaction date; same rate on cash advances | APR | Dynamic 0.71%–3.85%/mo (8.5%–46.2%/yr); overdue rate 3.99%/mo (47.88%/yr) on MAD non-payment |
| 2.0% — wins this row | Headline earn rate | 1.7% |
| Etihad Guest | Currency | IDFC FIRST Reward Points |
| ₹1.00/pt | House value | ₹0.50/pt |
| 15,000 Guest miles — 10,000 on ₹25k in 60 days + fee payment, 5,000 more at ₹50k (doubled window till 31 Aug 2026; standard offer is 7,500) | Welcome benefit | 12,000 RP — 4,000 on fee payment + 4,000 each on ₹20k in cycles 2 and 3 (once per customer) |
| 72 of 789 | Lounge doors opened | 127 of 789 — wins this row |
| 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.
It swings with spend: BOBCARD Etihad Guest Premium at ₹1L/month, IDFC FIRST Mayura at ₹3L/month, IDFC FIRST Mayura at ₹5L/month.
Where the lead changes hands
The lead changes hands at ₹0.5L and ₹0.75L and ₹1L and ₹2L a month: IDFC FIRST Mayura is ahead by ₹1,070 at ₹0.25L, IDFC FIRST Mayura by ₹73,041 at ₹5L.
BOBCARD Etihad Guest Premium draws above the line, IDFC FIRST Mayura below · ₹0.25L to ₹5L a month, step by step
| Monthly spend | BOBCARD Etihad Guest Premium | IDFC FIRST Mayura | In front |
|---|---|---|---|
| ₹0.25L | ₹1,720 | ₹2,790 | IDFC FIRST Mayura by ₹1,070 |
| ₹0.5L | ₹19,440 | ₹15,588 | BOBCARD Etihad Guest Premium by ₹3,852 |
| ₹0.75L | ₹26,160 | ₹32,135 | IDFC FIRST Mayura by ₹5,975 |
| ₹1L | ₹72,880 | ₹44,933 | BOBCARD Etihad Guest Premium by ₹27,947 |
| ₹1.25L | ₹79,600 | ₹61,480 | BOBCARD Etihad Guest Premium by ₹18,120 |
| ₹1.5L | ₹86,320 | ₹74,277 | BOBCARD Etihad Guest Premium by ₹12,043 |
| ₹1.75L | ₹93,040 | ₹87,075 | BOBCARD Etihad Guest Premium by ₹5,965 |
| ₹2L | ₹99,760 | ₹99,872 | IDFC FIRST Mayura by ₹112 |
| ₹2.25L | ₹1,06,480 | ₹1,12,670 | IDFC FIRST Mayura by ₹6,190 |
| ₹2.5L | ₹1,13,200 | ₹1,25,467 | IDFC FIRST Mayura by ₹12,267 |
| ₹2.75L | ₹1,19,920 | ₹1,38,264 | IDFC FIRST Mayura by ₹18,344 |
| ₹3L | ₹1,26,640 | ₹1,51,062 | IDFC FIRST Mayura by ₹24,422 |
| ₹3.25L | ₹1,33,360 | ₹1,63,859 | IDFC FIRST Mayura by ₹30,499 |
| ₹3.5L | ₹1,40,080 | ₹1,76,657 | IDFC FIRST Mayura by ₹36,577 |
| ₹3.75L | ₹1,46,800 | ₹1,89,454 | IDFC FIRST Mayura by ₹42,654 |
| ₹4L | ₹1,53,520 | ₹2,02,251 | IDFC FIRST Mayura by ₹48,731 |
| ₹4.25L | ₹1,60,240 | ₹2,15,049 | IDFC FIRST Mayura by ₹54,809 |
| ₹4.5L | ₹1,66,960 | ₹2,27,846 | IDFC FIRST Mayura by ₹60,886 |
| ₹4.75L | ₹1,73,680 | ₹2,40,644 | IDFC FIRST Mayura by ₹66,964 |
| ₹5L | ₹1,80,400 | ₹2,53,441 | IDFC FIRST Mayura by ₹73,041 |
Transfer reach
Full route maps on each card page, best ₹/point routes on the optimizer →
What to watch out for
BOBCARD Etihad Guest Premium · 1 more →
- Single-program currency: miles auto-transfer to Etihad Guest and redeem nowhere else
- Long exclusion list: telecom, education, hospitals, government, rent, wallets, insurance — and all rail/bus/toll transport — earn zero
- 1% processing fee on rent and wallet loads; utility fee ≥₹50k; fuel fee ≥₹10k (MITC)
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, BOBCARD Etihad Guest Premium nets ₹72,880 against ₹44,933 — a ₹27,947 gap. At ₹5L/month, IDFC FIRST Mayura nets ₹2,53,441 against ₹1,80,400 — a ₹73,041 gap. Lounge chasers: IDFC FIRST Mayura opens 127 of 789 tracked doors to BOBCARD Etihad Guest Premium's 72.
Our standing verdicts: BOBCARD Etihad Guest Premium — Keep; IDFC FIRST Mayura — Keep. On our board, BOBCARD Etihad Guest Premium sits at #7 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, BOBCARD Etihad Guest Premium or IDFC FIRST Mayura?
BOBCARD Etihad Guest Premium. It sits at #7 on our board to IDFC FIRST Mayura's #17. BOBCARD Etihad Guest Premium takes 4 of the 7 rounds we can score. It swings with spend: BOBCARD Etihad Guest Premium at ₹1L/month, IDFC FIRST Mayura at ₹3L/month, IDFC FIRST Mayura at ₹5L/month.
BOBCARD Etihad Guest Premium or IDFC FIRST Mayura — which earns more at ₹3L a month?
At ₹3L a month, IDFC FIRST Mayura nets ₹1,51,062 against ₹1,26,640 — a ₹24,422 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, BOBCARD Etihad Guest Premium or IDFC FIRST Mayura?
BOBCARD Etihad Guest Premium — ₹5,000/yr against ₹5,999/yr. BOBCARD Etihad Guest Premium waives its fee at ₹5,00,000 of spend; IDFC FIRST Mayura at no spend level — there is no waiver.
Which gets you into more airport lounges, BOBCARD Etihad Guest Premium or IDFC FIRST Mayura?
Lounge chasers: IDFC FIRST Mayura opens 127 of 789 tracked doors to BOBCARD Etihad Guest Premium's 72. 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: BOBCARD Etihad Guest Premium on 2026-07-26, 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.