IDFC FIRST Private vs IDFC FIRST Mayura (2026)
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.
Head to head
| IDFC FIRST Private | Metric | IDFC FIRST Mayura |
|---|---|---|
| #10 — wins this row | Our rank | #17 |
| ₹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 |
| ₹0.50/pt † | House value | ₹0.50/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) |
| 752 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) |
† IDFC FIRST Private: Private redeems the IDFC point at ₹1.00 on the FIRST Travel & Shop portal — DOUBLE the ₹0.50 house value — 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.
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.
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
IDFC FIRST Private leads at all 20 steps, but not by the same amount: ₹205 at ₹0.25L a month, ₹2,81,467 at ₹5L — the gap fans out with spend, widest at ₹5L (₹2,81,467).
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 | ₹2,995 | ₹2,790 | IDFC FIRST Private by ₹205 |
| ₹0.5L | ₹30,991 | ₹15,588 | IDFC FIRST Private by ₹15,403 |
| ₹0.75L | ₹58,986 | ₹32,135 | IDFC FIRST Private by ₹26,851 |
| ₹1L | ₹86,982 | ₹44,933 | IDFC FIRST Private by ₹42,049 |
| ₹1.25L | ₹1,14,977 | ₹61,480 | IDFC FIRST Private by ₹53,497 |
| ₹1.5L | ₹1,42,972 | ₹74,277 | IDFC FIRST Private by ₹68,695 |
| ₹1.75L | ₹1,70,968 | ₹87,075 | IDFC FIRST Private by ₹83,893 |
| ₹2L | ₹1,98,963 | ₹99,872 | IDFC FIRST Private by ₹99,091 |
| ₹2.25L | ₹2,26,959 | ₹1,12,670 | IDFC FIRST Private by ₹1,14,289 |
| ₹2.5L | ₹2,54,954 | ₹1,25,467 | IDFC FIRST Private by ₹1,29,487 |
| ₹2.75L | ₹2,82,949 | ₹1,38,264 | IDFC FIRST Private by ₹1,44,685 |
| ₹3L | ₹3,10,945 | ₹1,51,062 | IDFC FIRST Private by ₹1,59,883 |
| ₹3.25L | ₹3,38,940 | ₹1,63,859 | IDFC FIRST Private by ₹1,75,081 |
| ₹3.5L | ₹3,66,936 | ₹1,76,657 | IDFC FIRST Private by ₹1,90,279 |
| ₹3.75L | ₹3,94,931 | ₹1,89,454 | IDFC FIRST Private by ₹2,05,477 |
| ₹4L | ₹4,22,926 | ₹2,02,251 | IDFC FIRST Private by ₹2,20,675 |
| ₹4.25L | ₹4,50,922 | ₹2,15,049 | IDFC FIRST Private by ₹2,35,873 |
| ₹4.5L | ₹4,78,917 | ₹2,27,846 | IDFC FIRST Private by ₹2,51,071 |
| ₹4.75L | ₹5,06,913 | ₹2,40,644 | IDFC FIRST Private by ₹2,66,269 |
| ₹5L | ₹5,34,908 | ₹2,53,441 | IDFC FIRST Private by ₹2,81,467 |
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
IDFC FIRST Private · 2 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 ₹86,982 against ₹44,933 — a ₹42,049 gap. At ₹5L/month, IDFC FIRST Private nets ₹5,34,908 against ₹2,53,441 — a ₹2,81,467 gap. Lounge chasers: IDFC FIRST Private opens 752 of 789 tracked doors to IDFC FIRST Mayura's 127.
Our standing verdicts: IDFC FIRST Private — Keep; IDFC FIRST Mayura — Keep. On our board, IDFC FIRST Private sits at #10 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, IDFC FIRST Private or IDFC FIRST Mayura?
IDFC FIRST Private. It sits at #10 on our board to IDFC FIRST Mayura's #17. IDFC FIRST Private takes 6 of the 7 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 ₹3,10,945 against ₹1,51,062 — a ₹1,59,883 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 Private opens 752 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: IDFC FIRST Private on 2026-08-09, 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.