IDFC FIRST Wealth vs IDFC FIRST Mayura (2026)
IDFC FIRST Mayura vs IDFC FIRST Wealth: which wins?
₹1,50,977ranking value a year at ₹3L a month, to IDFC FIRST Mayura
Skip the duel — the board, ranked → · nothing to sign up for
IDFC's free Visa Infinite vs its ₹5,999 metal flagship — 1.5% forex and never-expiring points against 0% forex and 13.3% portal multipliers.
IDFC FIRST Mayura out-earns IDFC FIRST Wealth at every spend level we model, from ₹25k to ₹5L a month.
Every metric, row by row — 12 compared
Head to head
| IDFC FIRST Wealth | Metric | IDFC FIRST Mayura |
|---|---|---|
| #115 | Our rank | #10 — wins this row |
| ₹0 — lifetime free — wins this row | Fee — joining · annual (+ GST) | ₹5,999/yr |
| None | Fee waiver | None |
| Nil — bank-wide MITC dated 9 Sep 2026 prints NIL on foreign-currency and DCC/SCC transactions | Forex markup | Nil — 0% markup on foreign currency and DCC transactions |
| Dynamic 0.71%–3.85%/mo (8.5%–46.2%/yr); overdue rate 3.99%/mo (47.88%/yr) on MAD non-payment | APR | Dynamic 0.71%–3.85%/mo (8.5%–46.2%/yr); overdue rate 3.99%/mo (47.88%/yr) on MAD non-payment |
| 0.4% | Headline earn rate | 1.7% — wins this row |
| IDFC FIRST Reward Points | Currency | IDFC FIRST Reward Points |
| ₹0.25/pt † | House value | ₹0.25/pt † |
| ₹500 gift voucher from a choice of top brands on ₹5,000 spent within 30 days of card generation, plus 5% cashback capped at ₹1,000 on a first EMI transaction — IDFC bills the pair as ₹1,500; a nudge, not a bonus | Welcome benefit | 12,000 RP — 4,000 on fee payment + 4,000 each on ₹20k in cycles 2 and 3 (once per customer) |
| 129 of 793 | Lounge doors opened | 129 of 793 |
| ₹36L+/yr (official eligibility) | Income — salaried | ~₹25L+/yr (community) |
| ₹36L+/yr (official eligibility) | Income — self-employed | ~₹25L+/yr (community) |
† IDFC FIRST Wealth: Wealth redeems the IDFC point at a flat ₹0.25 — the house value exactly. Its app-travel perk is 20%/10% BONUS points (hotels/flights), not a higher per-point value like Mayura's ₹0.50. That bonus is ADDITIVE, not a multiplier: IDFC's own rewards T&C tables Base Earn (A) "Up to 5% Reward Points" + Bonus (B) "20% Reward Points" = Total (A+B) "Up to 25% Reward Points", and the product-page FAQ states it in absolute points — "Hotel bookings via the IDFC FIRST Mobile App earn 40 bonus points per ₹200 spent". More points, never dearer ones.
† 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 Mayura out-earns IDFC FIRST Wealth 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 Mayura leads at all 20 steps, but not by the same amount: ₹260 at ₹0.25L a month, ₹2,08,591 at ₹5L — the gap fans out with spend, widest at ₹5L (₹2,08,591).
IDFC FIRST Mayura pays 2 annual spend milestones, the first at ₹8,00,000 a year, and IDFC FIRST Wealth pays none.
IDFC FIRST Wealth draws above the line, IDFC FIRST Mayura below · ₹0.25L to ₹5L a month, step by step
| Monthly spend | IDFC FIRST Wealth | IDFC FIRST Mayura | In front |
|---|---|---|---|
| ₹0.25L | ₹2,535 | ₹2,795 | IDFC FIRST Mayura by ₹260 |
| ₹0.5L | ₹5,070 | ₹15,584 | IDFC FIRST Mayura by ₹10,514 |
| ₹0.75L | ₹7,605 | ₹32,123 | IDFC FIRST Mayura by ₹24,518 |
| ₹1L | ₹10,140 | ₹44,912 | IDFC FIRST Mayura by ₹34,772 |
| ₹1.25L | ₹12,675 | ₹61,452 | IDFC FIRST Mayura by ₹48,777 |
| ₹1.5L | ₹15,210 | ₹74,241 | IDFC FIRST Mayura by ₹59,031 |
| ₹1.75L | ₹17,745 | ₹87,031 | IDFC FIRST Mayura by ₹69,286 |
| ₹2L | ₹20,280 | ₹99,819 | IDFC FIRST Mayura by ₹79,539 |
| ₹2.25L | ₹22,815 | ₹1,12,609 | IDFC FIRST Mayura by ₹89,794 |
| ₹2.5L | ₹25,350 | ₹1,25,398 | IDFC FIRST Mayura by ₹1,00,048 |
| ₹2.75L | ₹27,885 | ₹1,38,188 | IDFC FIRST Mayura by ₹1,10,303 |
| ₹3L | ₹30,420 | ₹1,50,977 | IDFC FIRST Mayura by ₹1,20,557 |
| ₹3.25L | ₹32,955 | ₹1,63,766 | IDFC FIRST Mayura by ₹1,30,811 |
| ₹3.5L | ₹35,490 | ₹1,76,555 | IDFC FIRST Mayura by ₹1,41,065 |
| ₹3.75L | ₹38,025 | ₹1,89,345 | IDFC FIRST Mayura by ₹1,51,320 |
| ₹4L | ₹40,560 | ₹2,02,134 | IDFC FIRST Mayura by ₹1,61,574 |
| ₹4.25L | ₹41,595 | ₹2,14,924 | IDFC FIRST Mayura by ₹1,73,329 |
| ₹4.5L | ₹42,630 | ₹2,27,712 | IDFC FIRST Mayura by ₹1,85,082 |
| ₹4.75L | ₹43,665 | ₹2,40,502 | IDFC FIRST Mayura by ₹1,96,837 |
| ₹5L | ₹44,700 | ₹2,53,291 | IDFC FIRST Mayura by ₹2,08,591 |
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 Wealth · 3 more →
- Points redeem at ₹0.25 flat — no ₹0.50 app-travel value; app travel pays bonus points instead
- Base earn is 0.375%; only dining, travel and international spends reach 1.25%
- Points now expire 24 months after they're credited — the 18-Jun-2026 revision ended the never-expire promise
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 Mayura nets ₹44,912 against ₹10,140 — a ₹34,772 gap. At ₹5L/month, IDFC FIRST Mayura nets ₹2,53,291 against ₹44,700 — a ₹2,08,591 gap. Lounge chasers get no tiebreak here: both open 129 of 793 tracked doors.
Our standing verdicts: IDFC FIRST Wealth — Keep; IDFC FIRST Mayura — Keep. IDFC FIRST Mayura takes 5 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 Wealth or IDFC FIRST Mayura?
IDFC FIRST Mayura. IDFC FIRST Mayura takes 5 of the 6 rounds we can score. IDFC FIRST Mayura out-earns IDFC FIRST Wealth at every spend level we model, from ₹25k to ₹5L a month.
IDFC FIRST Wealth or IDFC FIRST Mayura — which earns more at ₹3L a month?
At ₹3L a month, IDFC FIRST Mayura nets ₹1,50,977 against ₹30,420 — a ₹1,20,557 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 Wealth or IDFC FIRST Mayura?
IDFC FIRST Wealth — ₹0 — lifetime free against ₹5,999/yr. IDFC FIRST Wealth 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 Wealth or IDFC FIRST Mayura?
Lounge chasers get no tiebreak here: both open 129 of 793 tracked doors. 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 Wealth on 2026-09-25, 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 IDFC FIRST Bank and IDFC FIRST Bank's own documents on · the ranking model, at our house ₹/point
Every document behind this page — 16 of them, each with the day we read it
- official Bank-wide MITC (reissued 9 Sep 2026) — Wealth Nil joining/annual; forex NIL bank-wide ("Markup Charges on Foreign currency transactions and Dynamic & Static Currency Conversion Transactions** — NIL")
- official Domestic lounge list — the 48 rooms the quarterly visit can be spent at, addresses and terminals included
- official Product page + FAQs (lifetime free, Visa Infinite; page may still say 1.5% forex — MITC NIL; income ₹36L+)
- official Rewards T&C PDF (10 RP/₹200 on dining/travel/international, 3 RP/₹200 other incl. rent/government/wallet/education)
- official Superseded rewards T&C, archived 13-Feb-2026 (the pre-Jun-2026 construct — 10 RP/₹200 on incremental spends above ₹20,000 a cycle; Table 2.3 Base Earn (A) "Up to 5%" + Bonus)
- official 18-Jun-2026 change notice PDF ("Earlier, 10X rewards were only unlocked after spending ₹20,000 in a billing cycle" — now from the first eligible dining/travel/international)
- official Jan-2026 change notice PDF — (base ₹150→₹200; 1.5% forex; FASTag past ₹10k and railway past ₹25k a cycle draw a 1% fee; lounge/golf 1+1+1 per quarter on a ₹20k previous-month)
- community CardInsider review
- official FIRST Digital RuPay add-on (UPI) page
- community TechnoFino — Select→Wealth customer-care upgrade route
- community CardMaven — upgrade SR ("without limit enhancement"), low-limit approvals, LTF carries
- 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