BOBCARD Etihad Guest Premium vs IDFC FIRST Mayura (2026)
IDFC FIRST Mayura vs BOBCARD Etihad Guest Premium: which wins?
₹1,26,640ranking value a year at ₹3L a month, to BOBCARD Etihad Guest Premium
Skip the duel — the board, ranked → · nothing to sign up for
The answer changes hands 4 times between ₹0.25L and ₹5L a month — this pair is decided by your spend, not by the board.
It swings with spend: BOBCARD Etihad Guest Premium at ₹1L/month, IDFC FIRST Mayura at ₹3L/month, IDFC FIRST Mayura at ₹5L/month.
Every metric, row by row — 12 compared
Head to head
| BOBCARD Etihad Guest Premium | Metric | IDFC FIRST Mayura |
|---|---|---|
| #6 — wins this row | Our rank | #10 |
| ₹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 | ₹0.25/pt † |
| 15,000 Guest miles — 10,000 on ₹25k in 60 days + fee payment, 5,000 more at ₹50k; the offer T&C behind it runs only for cards onboarded to 30 Sep 2026 | Welcome benefit | 12,000 RP — 4,000 on fee payment + 4,000 each on ₹20k in cycles 2 and 3 (once per customer) |
| 40 of 793 | Lounge doors opened | 129 of 793 — wins this row |
| not published | Income — salaried | ~₹25L+/yr (community) |
| not published | Income — self-employed | ~₹25L+/yr (community) |
† IDFC FIRST Mayura: Mayura is one of only two IDFC cards that reach ₹0.50 a point, and only on flight and hotel bookings made through the Travel & Shop section of the FIRST app — its own rewards T&C is explicit that it is "₹0.25 everywhere else", the house value. So the rate below is DOUBLE what these points fetch as vouchers, goods or pay-with-points; earn.base marks them up to the ₹0.50 travel rung and assumes you actually book there. Points cover at most 70% of a booking, redemptions are capped at 1,50,000 points a month, and each one costs ₹99 + GST.
Gold marks the better side of a row. House value is our ₹-per-point mark for each card's currency — the full valuation index →
The ₹ face-off at ₹1L/₹3L/₹5L a month
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 — a 20-step sweep from ₹0.25L to ₹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 ₹1,075 at ₹0.25L, IDFC FIRST Mayura by ₹72,891 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 | ₹2,795 | IDFC FIRST Mayura by ₹1,075 |
| ₹0.5L | ₹19,440 | ₹15,584 | BOBCARD Etihad Guest Premium by ₹3,856 |
| ₹0.75L | ₹26,160 | ₹32,123 | IDFC FIRST Mayura by ₹5,963 |
| ₹1L | ₹72,880 | ₹44,912 | BOBCARD Etihad Guest Premium by ₹27,968 |
| ₹1.25L | ₹79,600 | ₹61,452 | BOBCARD Etihad Guest Premium by ₹18,148 |
| ₹1.5L | ₹86,320 | ₹74,241 | BOBCARD Etihad Guest Premium by ₹12,079 |
| ₹1.75L | ₹93,040 | ₹87,031 | BOBCARD Etihad Guest Premium by ₹6,009 |
| ₹2L | ₹99,760 | ₹99,819 | IDFC FIRST Mayura by ₹59 |
| ₹2.25L | ₹1,06,480 | ₹1,12,609 | IDFC FIRST Mayura by ₹6,129 |
| ₹2.5L | ₹1,13,200 | ₹1,25,398 | IDFC FIRST Mayura by ₹12,198 |
| ₹2.75L | ₹1,19,920 | ₹1,38,188 | IDFC FIRST Mayura by ₹18,268 |
| ₹3L | ₹1,26,640 | ₹1,50,977 | IDFC FIRST Mayura by ₹24,337 |
| ₹3.25L | ₹1,33,360 | ₹1,63,766 | IDFC FIRST Mayura by ₹30,406 |
| ₹3.5L | ₹1,40,080 | ₹1,76,555 | IDFC FIRST Mayura by ₹36,475 |
| ₹3.75L | ₹1,46,800 | ₹1,89,345 | IDFC FIRST Mayura by ₹42,545 |
| ₹4L | ₹1,53,520 | ₹2,02,134 | IDFC FIRST Mayura by ₹48,614 |
| ₹4.25L | ₹1,60,240 | ₹2,14,924 | IDFC FIRST Mayura by ₹54,684 |
| ₹4.5L | ₹1,66,960 | ₹2,27,712 | IDFC FIRST Mayura by ₹60,752 |
| ₹4.75L | ₹1,73,680 | ₹2,40,502 | IDFC FIRST Mayura by ₹66,822 |
| ₹5L | ₹1,80,400 | ₹2,53,291 | IDFC FIRST Mayura by ₹72,891 |
Transfer reach — 0 vs 0 live routes
Transfer reach
Full route maps on each card page, best ₹/point routes on the optimizer →
What to watch out for — 6 points
What to watch out for
BOBCARD Etihad Guest Premium · 2 more →
- THE ONE THAT VOIDS THE BALANCE: your miles die 18 months after your last qualifying activity, and Etihad's own help pages say that window is "extended to an additional 18 months by flying with Etihad Airways or any partner airline" — spending on this card is not named as an extension anywhere. Earn diligently, never board an Etihad or partner flight, and the whole balance expires at 23:30 GST on the last day of the 18th month. Only Platinum and Emerald members are exempt
- 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
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 ₹44,912 — a ₹27,968 gap. At ₹5L/month, IDFC FIRST Mayura nets ₹2,53,291 against ₹1,80,400 — a ₹72,891 gap. Lounge chasers: IDFC FIRST Mayura opens 129 of 793 tracked doors to BOBCARD Etihad Guest Premium's 40.
Our standing verdicts: BOBCARD Etihad Guest Premium — Keep; IDFC FIRST Mayura — Keep. BOBCARD Etihad Guest Premium takes 4 of the 7 rounds we can score — that's the overall call. Your spend pattern can overrule us: run your exact numbers →
Common questions — 5 answered
Straight answers
Which is better, BOBCARD Etihad Guest Premium or IDFC FIRST Mayura?
BOBCARD Etihad Guest Premium. 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 ₹1,50,977 against ₹1,26,640 — a ₹24,337 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 129 of 793 tracked doors to BOBCARD Etihad Guest Premium's 40. 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 2026-09-07, IDFC FIRST Mayura on 2026-09-03. 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.
Verified against BOBCARD (Bank of Baroda) and IDFC FIRST Bank's own documents on · the ranking model, at our house ₹/point
Every document behind this page — 19 of them, each with the day we read it
- official Launch "2X Welcome Bonus Miles" offer T&C, captured 11 Jan 2026 — Premium 10,000 miles on ₹25,000 in 60 days, a single tranche, for cards onboarded 5 Jan – 4 Feb 2026
- official Product page — "6 Miles per ₹100 on Etihad Airways and 2 Miles per ₹100 on every other domestic & cross-border spend"
- official BOBCARD revision notice, effective 5 Aug 2026 — Gold Tier now needs a transaction of ₹10,000 or more on Etihad.com within 6 months of card issuance, not any transaction
- official MITC-cum-KFS PDF (Premium forex 0%, ₹5,000 joining + annual, Annexure-1 zero-earn MCCs, once-per-period milestone rule, 1,000-mile twice-a-year Etihad flight bonus)
- official Welcome-offer T&C PDF — the 10,000+5,000 construct, for cards onboarded 1–30 Sep 2026 only; miles auto-sweep to Etihad Guest within 3 days of statement
- official Program Benefits PDF — official milestone table (Premium welcome 15,000 against the Base variant's 7,500, monthly 500, quarterly 4,000, annual 24,000) and the welcome-miles credit timeline
- official Etihad Guest help pages — Bronze/Silver/Gold miles are valid 18 months, "extended to an additional 18 months by flying with Etihad Airways or any partner airline"
- official Etihad Guest terms, clauses 4.1.11–4.1.15 — miles expire at 23:30 GST on the last day of the 18th month after the last Qualifying Activity; Platinum and Emerald balances do not expire
- community LiveFromALounge launch coverage
- community Mint — cards launched on the Mastercard network
- official Global Airport Lounge List for the two Etihad co-brands — 52 rooms, none in India, entered through DreamFolks' web-access portal rather than any card scheme
- community CardExpert review — Silver on first swipe, Gold (year-1) on first etihad.com purchase; 12 domestic + 8 international lounge visits
- official Domestic lounge list — the 48 rooms the four quarterly visits can be spent at, addresses and terminals included
- official Product page + FAQs — (₹5,999 joining and annual, no spend waiver; 0% forex; welcome 4,000+4,000+4,000 RP once per customer; milestone ₹8L → 7,500 RP OR ₹15L → 15,000 RP)
- official Rewards T&C PDF (bonus is ADDITIVE — Base (A) 10 + Bonus (B) 30/15 = Total (A+B) 40/25 RP per ₹150 app hotel/flight)
- official Jun-2026 change notice PDF (18-Jun-2026 app bonus 20%/10% = 30/15 RP per ₹150)
- official Bank-wide MITC (₹5,999/₹5,999 with NO spend waiver; NIL forex; add-on ₹4,000 metal / ₹3,000 plastic joining and ₹2,000 annual; ₹199 cash advance; ₹99 redemption fee; ₹3,500)
- community CardInsider review
- official FIRST Digital RuPay add-on (UPI) page