IDFC FIRST Private vs IDFC FIRST Mayura (2026)
IDFC FIRST Mayura vs IDFC FIRST Private: which wins?
₹3,11,028ranking value a year at ₹3L a month, to IDFC FIRST Private
Skip the duel — the board, ranked → · nothing to sign up for
Same points, and neither card transfers anywhere — the redemption catalogue is the ceiling for both, so this one is decided on earn and fee, nothing else: 6.7% at ₹50,000 to join plus ₹25,000/yr against 1.7% at ₹5,999/yr.
IDFC FIRST Private out-earns IDFC FIRST Mayura at every spend level we model, from ₹25k to ₹5L a month.
Every metric, row by row — 12 compared
Head to head
| IDFC FIRST Private | Metric | IDFC FIRST Mayura |
|---|---|---|
| invite-only | Our rank | #10 |
| ₹50,000 joining, then ₹25,000/yr | Fee — joining · annual (+ GST) | ₹5,999/yr — wins this row |
| None | Fee waiver | None |
| Nil — 0% markup on foreign currency and DCC transactions | Forex markup | Nil — 0% markup on foreign currency and DCC transactions |
| 0.75%/mo (9%/yr) — the lowest retail APR in the catalog (official Private page) | APR | Dynamic 0.71%–3.85%/mo (8.5%–46.2%/yr); overdue rate 3.99%/mo (47.88%/yr) on MAD non-payment |
| 6.7% — wins this row | Headline earn rate | 1.7% |
| IDFC FIRST Reward Points | Currency | IDFC FIRST Reward Points |
| ₹0.25/pt † | House value | ₹0.25/pt † |
| 50,000 reward points on paying the ₹50,000 commencement fee — worth ₹50,000 at the app-travel rate. Cards issued on or after 17 Jul 2026 no longer get the Club ITC Culinaire membership; it was discontinued that day | Welcome benefit | 12,000 RP — 4,000 on fee payment + 4,000 each on ₹20k in cycles 2 and 3 (once per customer) |
| 83 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 Private: Private redeems the IDFC point at ₹1.00 on the FIRST Travel & Shop portal — FOUR TIMES the ₹0.25 house value, the top rung on IDFC's ladder alongside Gaj — and ₹0.25 everywhere else. earn.base is scaled UP to that ₹1.00 portal reality; it collapses to a quarter of the headline the moment you cash out, points cover at most 70% of a booking, and app-travel redemptions are capped at 6,00,000 points an anniversary year.
† 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.
IDFC FIRST Private out-earns IDFC FIRST Mayura at every spend level we model, from ₹25k to ₹5L a month.
How the gap moves with spend — a 20-step sweep from ₹0.25L to ₹5L/month
How the gap moves with spend
IDFC FIRST Private leads at all 20 steps, but not by the same amount: ₹208 at ₹0.25L a month, ₹2,81,755 at ₹5L — the gap fans out with spend, widest at ₹5L (₹2,81,755).
IDFC FIRST Mayura pays 2 annual spend milestones, the first at ₹8,00,000 a year, and IDFC FIRST Private pays none; IDFC FIRST Private charges twice — ₹50,000 to join, then ₹25,000 every year after.
IDFC FIRST Private draws above the line, IDFC FIRST Mayura below · ₹0.25L to ₹5L a month, step by step
| Monthly spend | IDFC FIRST Private | IDFC FIRST Mayura | In front |
|---|---|---|---|
| ₹0.25L | ₹3,003 | ₹2,795 | IDFC FIRST Private by ₹208 |
| ₹0.5L | ₹31,005 | ₹15,584 | IDFC FIRST Private by ₹15,421 |
| ₹0.75L | ₹59,007 | ₹32,123 | IDFC FIRST Private by ₹26,884 |
| ₹1L | ₹87,009 | ₹44,912 | IDFC FIRST Private by ₹42,097 |
| ₹1.25L | ₹1,15,012 | ₹61,452 | IDFC FIRST Private by ₹53,560 |
| ₹1.5L | ₹1,43,014 | ₹74,241 | IDFC FIRST Private by ₹68,773 |
| ₹1.75L | ₹1,71,017 | ₹87,031 | IDFC FIRST Private by ₹83,986 |
| ₹2L | ₹1,99,018 | ₹99,819 | IDFC FIRST Private by ₹99,199 |
| ₹2.25L | ₹2,27,021 | ₹1,12,609 | IDFC FIRST Private by ₹1,14,412 |
| ₹2.5L | ₹2,55,023 | ₹1,25,398 | IDFC FIRST Private by ₹1,29,625 |
| ₹2.75L | ₹2,83,026 | ₹1,38,188 | IDFC FIRST Private by ₹1,44,838 |
| ₹3L | ₹3,11,028 | ₹1,50,977 | IDFC FIRST Private by ₹1,60,051 |
| ₹3.25L | ₹3,39,030 | ₹1,63,766 | IDFC FIRST Private by ₹1,75,264 |
| ₹3.5L | ₹3,67,032 | ₹1,76,555 | IDFC FIRST Private by ₹1,90,477 |
| ₹3.75L | ₹3,95,035 | ₹1,89,345 | IDFC FIRST Private by ₹2,05,690 |
| ₹4L | ₹4,23,037 | ₹2,02,134 | IDFC FIRST Private by ₹2,20,903 |
| ₹4.25L | ₹4,51,040 | ₹2,14,924 | IDFC FIRST Private by ₹2,36,116 |
| ₹4.5L | ₹4,79,041 | ₹2,27,712 | IDFC FIRST Private by ₹2,51,329 |
| ₹4.75L | ₹5,07,044 | ₹2,40,502 | IDFC FIRST Private by ₹2,66,542 |
| ₹5L | ₹5,35,046 | ₹2,53,291 | IDFC FIRST Private by ₹2,81,755 |
Transfer reach — 0 shared live routes
Transfer reach
Both cards earn IDFC FIRST Reward Points, so the partner list is identical — 0 live transfer routes each. The fight is decided on earn and fees, not 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
IDFC FIRST Private · 3 more →
- ₹50,000 to commence, then ₹25,000 every year, and no spend waiver — it takes real volume before the arithmetic turns positive
- The ₹1 value is portal-locked and covers at most 70% of a booking; everywhere else it's ₹0.25
- App-travel redemptions capped at 6,00,000 points an anniversary year
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, IDFC FIRST Private nets ₹87,009 against ₹44,912 — a ₹42,097 gap. At ₹5L/month, IDFC FIRST Private nets ₹5,35,046 against ₹2,53,291 — a ₹2,81,755 gap. Lounge chasers: IDFC FIRST Mayura opens 129 of 793 tracked doors to IDFC FIRST Private's 83.
Our standing verdicts: IDFC FIRST Private — Keep; IDFC FIRST Mayura — Keep. IDFC FIRST Private takes 4 of the 6 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, IDFC FIRST Private or IDFC FIRST Mayura?
IDFC FIRST Private. IDFC FIRST Private takes 4 of the 6 rounds we can score. IDFC FIRST Private out-earns IDFC FIRST Mayura at every spend level we model, from ₹25k to ₹5L a month.
IDFC FIRST Private or IDFC FIRST Mayura — which earns more at ₹3L a month?
At ₹3L a month, IDFC FIRST Private nets ₹3,11,028 against ₹1,50,977 — a ₹1,60,051 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, IDFC FIRST Private or IDFC FIRST Mayura?
IDFC FIRST Mayura — ₹5,999/yr against ₹50,000 joining, then ₹25,000/yr. IDFC FIRST Private 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, IDFC FIRST Private or IDFC FIRST Mayura?
Lounge chasers: IDFC FIRST Mayura opens 129 of 793 tracked doors to IDFC FIRST Private's 83. Visit quotas, guest charges and spend gates are per card — the lounge map carries each one.
How current is this comparison?
Both card records were last re-verified against their issuers' own documents 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 IDFC FIRST Bank and IDFC FIRST Bank's own documents on · the ranking model, at our house ₹/point
Every document behind this page — 14 of them, each with the day we read it
- official Airport lounge and spa T&C — the domestic programme runs through DreamFolks, entered by swiping the card with a ₹2 validation charge
- official Product page — "Commencement Fee (1st Year) ₹50,000 + applicable GST"
- official Consolidated T&C, 17-Jul-2026 (flat 10 RP/₹150 domestic — no monthly threshold; 5 RP/₹150 international; 1 RP/₹150 on the excluded-category list; FIRST Digital UPI 3 RP/₹150)
- official Taj Experiences Dining Voucher T&C
- official Club ITC Culinaire Membership T&C for FIRST Private — the primary source for the discontinuation
- official IDFC FIRST customer MITC — the document that DEFINES the reward categories the Private T&C only names
- community CardInsider review
- official FIRST Digital RuPay add-on (UPI) page
- community Paisabazaar — invite-only; RM enquiry route, Wealth-holder pool
- 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)
- community CardInsider review