IDFC FIRST Mayura vs Amex Platinum Travel (2026)
The answer changes hands 2 times between ₹0.25L and ₹5L a month — this pair is decided by your spend, not by the board.
Head to head
| IDFC FIRST Mayura | Metric | Amex Platinum Travel |
|---|---|---|
| #17 — wins this row | Our rank | #24 |
| ₹5,999/yr | Fee — joining · annual (+ GST) | ₹5,000/yr — wins this row |
| None | Fee waiver | None |
| Nil — 0% markup on foreign currency and DCC transactions — wins this row | Forex markup | 3.5% + GST |
| Dynamic 0.71%–3.85%/mo (8.5%–46.2%/yr); overdue rate 3.99%/mo (47.88%/yr) on MAD non-payment | APR | 3.5%/mo (42%/yr); 3.99%/mo (47.88%/yr) in cases of default |
| 1.7% — wins this row | Headline earn rate | 1.0% |
| IDFC FIRST Reward Points | Currency | Amex Membership Rewards |
| ₹0.50/pt | House value | ₹0.50/pt |
| 12,000 RP — 4,000 on fee payment + 4,000 each on ₹20k in cycles 2 and 3 (once per customer) | Welcome benefit | 10,000 MR points on ₹15k spend in 90 days |
| 127 of 789 — wins this row | Lounge doors opened | 21 of 789 |
| ~₹25L+/yr (community) | Income — salaried | ₹6L+/yr (community) |
| ~₹25L+/yr (community) | Income — self-employed | ₹6L+/yr (community) |
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.
It swings with spend: IDFC FIRST Mayura at ₹1L/month, IDFC FIRST Mayura at ₹3L/month, IDFC FIRST Mayura at ₹5L/month.
Where the lead changes hands
The lead changes hands at ₹0.75L and ₹1L a month: IDFC FIRST Mayura is ahead by ₹1,040 at ₹0.25L, IDFC FIRST Mayura by ₹1,68,441 at ₹5L.
IDFC FIRST Mayura runs a 13.3% booster on App hotel bookings, where Amex Platinum Travel earns one flat rate.
IDFC FIRST Mayura draws above the line, Amex Platinum Travel below · ₹0.25L to ₹5L a month, step by step
| Monthly spend | IDFC FIRST Mayura | Amex Platinum Travel | In front |
|---|---|---|---|
| ₹0.25L | ₹2,790 | ₹1,750 | IDFC FIRST Mayura by ₹1,040 |
| ₹0.5L | ₹15,588 | ₹9,750 | IDFC FIRST Mayura by ₹5,838 |
| ₹0.75L | ₹32,135 | ₹34,000 | Amex Platinum Travel by ₹1,865 |
| ₹1L | ₹44,933 | ₹37,000 | IDFC FIRST Mayura by ₹7,933 |
| ₹1.25L | ₹61,480 | ₹40,000 | IDFC FIRST Mayura by ₹21,480 |
| ₹1.5L | ₹74,277 | ₹43,000 | IDFC FIRST Mayura by ₹31,277 |
| ₹1.75L | ₹87,075 | ₹46,000 | IDFC FIRST Mayura by ₹41,075 |
| ₹2L | ₹99,872 | ₹49,000 | IDFC FIRST Mayura by ₹50,872 |
| ₹2.25L | ₹1,12,670 | ₹52,000 | IDFC FIRST Mayura by ₹60,670 |
| ₹2.5L | ₹1,25,467 | ₹55,000 | IDFC FIRST Mayura by ₹70,467 |
| ₹2.75L | ₹1,38,264 | ₹58,000 | IDFC FIRST Mayura by ₹80,264 |
| ₹3L | ₹1,51,062 | ₹61,000 | IDFC FIRST Mayura by ₹90,062 |
| ₹3.25L | ₹1,63,859 | ₹64,000 | IDFC FIRST Mayura by ₹99,859 |
| ₹3.5L | ₹1,76,657 | ₹67,000 | IDFC FIRST Mayura by ₹1,09,657 |
| ₹3.75L | ₹1,89,454 | ₹70,000 | IDFC FIRST Mayura by ₹1,19,454 |
| ₹4L | ₹2,02,251 | ₹73,000 | IDFC FIRST Mayura by ₹1,29,251 |
| ₹4.25L | ₹2,15,049 | ₹76,000 | IDFC FIRST Mayura by ₹1,39,049 |
| ₹4.5L | ₹2,27,846 | ₹79,000 | IDFC FIRST Mayura by ₹1,48,846 |
| ₹4.75L | ₹2,40,644 | ₹82,000 | IDFC FIRST Mayura by ₹1,58,644 |
| ₹5L | ₹2,53,441 | ₹85,000 | IDFC FIRST Mayura by ₹1,68,441 |
Transfer reach
Only Amex Platinum Travel
- Singapore Airlines KrisFlyer
- Qatar Airways Privilege Club (Avios)
- The British Airways Club (Avios)
Full route maps on each card page, best ₹/point routes on the optimizer →
What to watch out for
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
Amex Platinum Travel · 6 more →
- PAUSED for new applications — Amex India's own page gives this card a "Compare Card" button and no Apply Now, and prints "American Express is accepting applications for select Cards" where the CTA belongs (re-checked 9-Aug-2026). Existing cardmembers are unaffected.
- Announced 10 Aug 2026 and not yet in any Amex document: from 10 Sept 2026 the ₹1.9 lakh milestone disappears and the ₹7 lakh rung swaps its 22,500 MR for a ₹20,000 Taj card, and from 1 Oct 2026 the domestic lounge visits need ₹1 lakh of spend in the preceding quarter. The milestones and lounge count on this page are what Amex publishes and what you get until those dates.
- Mar-2026 revision moved the Taj voucher from ₹4L to ₹7L spend
The call
For the ₹1L/month spender, IDFC FIRST Mayura nets ₹44,933 against ₹37,000 — a ₹7,933 gap. At ₹5L/month, IDFC FIRST Mayura nets ₹2,53,441 against ₹85,000 — a ₹1,68,441 gap. Lounge chasers: IDFC FIRST Mayura opens 127 of 789 tracked doors to Amex Platinum Travel's 21.
Our standing verdicts: IDFC FIRST Mayura — Keep; Amex Platinum Travel — Keep. On our board, IDFC FIRST Mayura sits at #17 to Amex Platinum Travel's #24 — that's the overall call. Your spend pattern can overrule us: run your exact numbers →
Straight answers
Which is better, IDFC FIRST Mayura or Amex Platinum Travel?
IDFC FIRST Mayura. It sits at #17 on our board to Amex Platinum Travel's #24. IDFC FIRST Mayura takes 7 of the 8 rounds we can score. It swings with spend: IDFC FIRST Mayura at ₹1L/month, IDFC FIRST Mayura at ₹3L/month, IDFC FIRST Mayura at ₹5L/month.
IDFC FIRST Mayura or Amex Platinum Travel — which earns more at ₹3L a month?
At ₹3L a month, IDFC FIRST Mayura nets ₹1,51,062 against ₹61,000 — a ₹90,062 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 Mayura or Amex Platinum Travel?
Amex Platinum Travel — ₹5,000/yr against ₹5,999/yr. IDFC FIRST Mayura waives its fee at no spend level — there is no waiver; Amex Platinum Travel at no spend level — there is no waiver.
Which gets you into more airport lounges, IDFC FIRST Mayura or Amex Platinum Travel?
Lounge chasers: IDFC FIRST Mayura opens 127 of 789 tracked doors to Amex Platinum Travel's 21. 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 Mayura on 2026-08-01, Amex Platinum Travel on 2026-08-10. 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.