IDFC FIRST Wealth vs IDFC FIRST Mayura (2026)
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.
Head to head
| Metric | IDFC FIRST Wealth | IDFC FIRST Mayura |
|---|---|---|
| Our rank | #48 | #11 |
| Annual fee | ₹0 + GST | ₹5,999 + GST |
| Fee waiver | None | None |
| Forex markup | 1.5% + GST | Nil — 0% markup on foreign currency and DCC transactions |
| APR | Dynamic 0.71%–3.85%/mo (8.5%–46.2%/yr); overdue rate 3.99%/mo (47.88%/yr) on MAD non-payment | Dynamic 0.71%–3.85%/mo (8.5%–46.2%/yr); overdue rate 3.99%/mo (47.88%/yr) on MAD non-payment |
| Effective reward rate | 0.4% | 1.7% |
| Currency | IDFC FIRST Reward Points | IDFC FIRST Reward Points |
| House value | ₹0.50/pt † | ₹0.50/pt |
| Welcome benefit | ₹500 voucher (Uber/Amazon/BigBasket) on ₹5,000 spend in 30 days — a nudge, not a bonus | 12,000 RP — 4,000 on fee payment + 4,000 each on ₹20k in cycles 2 and 3 |
| Lounge doors opened | 609 of 644 | 128 of 644 |
| Income — salaried | ₹36L+/yr (official eligibility) | ~₹25L+/yr (community) |
| Income — self-employed | ₹36L+/yr (official eligibility) | ~₹25L+/yr (community) |
† IDFC FIRST Wealth: Wealth redeems the IDFC point at a flat ₹0.25 — its app-travel perk is 33%/13% BONUS points, not a higher per-point value like Mayura's ₹0.50. earn.base is scaled to that ₹0.25 reality, so the house-value stat stays honest.
Gold marks the better side of a row. House value is our ₹-per-point mark for each card's currency — the full valuation index →
Net annual 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. 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.
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 →
The call
For the ₹1L/month spender, IDFC FIRST Mayura nets ₹44,933 against ₹14,134 — a ₹30,799 gap. At ₹5L/month, IDFC FIRST Mayura nets ₹2,53,441 against ₹79,068 — a ₹1,74,373 gap. Lounge chasers: IDFC FIRST Wealth opens 609 of 644 tracked doors to IDFC FIRST Mayura's 128.
Our standing verdicts: IDFC FIRST Wealth — Keep; IDFC FIRST Mayura — Keep. On our board, IDFC FIRST Mayura sits at #11 to IDFC FIRST Wealth's #48 — that's the overall call. Your spend pattern can overrule us: run your exact numbers →