IDFC FIRST Mayura vs Club Vistara IDFC FIRST (2026)
Club Vistara IDFC FIRST vs IDFC FIRST Mayura: 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 FIRST Bank's own upgrade question: ₹4,999/yr against ₹5,999/yr — and the dearer card earns LESS, 1.7% to 2.4%.
IDFC FIRST Mayura out-earns Club Vistara IDFC FIRST at every spend level we model, from ₹25k to ₹5L a month.
Every metric, row by row — 12 compared
Head to head
| IDFC FIRST Mayura | Metric | Club Vistara IDFC FIRST |
|---|---|---|
| #10 | Our rank | closed |
| ₹5,999/yr | Fee — joining · annual (+ GST) | ₹4,999/yr — wins this row |
| None | Fee waiver | None |
| Nil — 0% markup on foreign currency and DCC transactions | Forex markup | Nil — bank-wide MITC dated 9 Sep 2026 prints NIL on foreign-currency and DCC/SCC 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 | 0.75%–3.85%/mo (9%–46.2%/yr), set on internal policy parameters |
| 1.7% | Headline earn rate | 2.4% — wins this row |
| IDFC FIRST Reward Points | Currency | Air India Maharaja Points |
| ₹0.25/pt † | House value | ₹0.80/pt † |
| 12,000 RP — 4,000 on fee payment + 4,000 each on ₹20k in cycles 2 and 3 (once per customer) | Welcome benefit | 1 Premium Economy ticket voucher, 1 one-class upgrade voucher, Maharaja Club Silver membership and 3 months of EazyDiner Prime on the joining fee — and the ticket voucher, the upgrade voucher and the Silver renewal again on every annual fee. Plus up to 6,000 bonus Maharaja Points (2,000 per ₹30,000 cycle) across billing cycles 2, 3 and 4, first year only |
| 129 of 793 — wins this row | Lounge doors opened | 62 of 793 |
| ~₹25L+/yr (community) | Income — salaried | not published |
| ~₹25L+/yr (community) | Income — self-employed | not published |
† 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.
† Club Vistara IDFC FIRST: Maharaja Points at the house ₹0.80. IDFC prints the earn per ₹200, not per ₹100: "6 Maharaja points on spends up to Rs. 1,00,000 in a billing cycle and 4 Maharaja points for all spends above Rs. 1,00,000 … Earn of Maharaja point will be calculated per Rs. 200." That is 3 points per ₹100 on the first ₹1 lakh of a cycle and 2 above it — 2.4% and 1.6% at ₹0.80.
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 Club Vistara IDFC FIRST 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: ₹498 at ₹0.25L a month, ₹1,50,770 at ₹5L — the gap fans out with spend, widest at ₹5L (₹1,50,770).
IDFC FIRST Mayura pays 2 annual spend milestones, the first at ₹8,00,000 a year, and Club Vistara IDFC FIRST pays none.
IDFC FIRST Mayura draws above the line, Club Vistara IDFC FIRST below · ₹0.25L to ₹5L a month, step by step
| Monthly spend | IDFC FIRST Mayura | Club Vistara IDFC FIRST | In front |
|---|---|---|---|
| ₹0.25L | ₹2,795 | ₹2,297 | IDFC FIRST Mayura by ₹498 |
| ₹0.5L | ₹15,584 | ₹9,593 | IDFC FIRST Mayura by ₹5,991 |
| ₹0.75L | ₹32,123 | ₹16,889 | IDFC FIRST Mayura by ₹15,234 |
| ₹1L | ₹44,912 | ₹24,185 | IDFC FIRST Mayura by ₹20,727 |
| ₹1.25L | ₹61,452 | ₹29,081 | IDFC FIRST Mayura by ₹32,371 |
| ₹1.5L | ₹74,241 | ₹33,977 | IDFC FIRST Mayura by ₹40,264 |
| ₹1.75L | ₹87,031 | ₹38,873 | IDFC FIRST Mayura by ₹48,158 |
| ₹2L | ₹99,819 | ₹43,769 | IDFC FIRST Mayura by ₹56,050 |
| ₹2.25L | ₹1,12,609 | ₹48,665 | IDFC FIRST Mayura by ₹63,944 |
| ₹2.5L | ₹1,25,398 | ₹53,561 | IDFC FIRST Mayura by ₹71,837 |
| ₹2.75L | ₹1,38,188 | ₹58,457 | IDFC FIRST Mayura by ₹79,731 |
| ₹3L | ₹1,50,977 | ₹63,353 | IDFC FIRST Mayura by ₹87,624 |
| ₹3.25L | ₹1,63,766 | ₹68,249 | IDFC FIRST Mayura by ₹95,517 |
| ₹3.5L | ₹1,76,555 | ₹73,145 | IDFC FIRST Mayura by ₹1,03,410 |
| ₹3.75L | ₹1,89,345 | ₹78,041 | IDFC FIRST Mayura by ₹1,11,304 |
| ₹4L | ₹2,02,134 | ₹82,937 | IDFC FIRST Mayura by ₹1,19,197 |
| ₹4.25L | ₹2,14,924 | ₹87,833 | IDFC FIRST Mayura by ₹1,27,091 |
| ₹4.5L | ₹2,27,712 | ₹92,729 | IDFC FIRST Mayura by ₹1,34,983 |
| ₹4.75L | ₹2,40,502 | ₹97,625 | IDFC FIRST Mayura by ₹1,42,877 |
| ₹5L | ₹2,53,291 | ₹1,02,521 | IDFC FIRST Mayura by ₹1,50,770 |
Transfer reach — 0 vs 0 live routes
Transfer 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 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
Club Vistara IDFC FIRST · 10 more →
- Programme ends 30 September 2026. From 1 October the card takes no transactions — online, international, cash or standing instructions
- A clear account closes on 1 October 2026. A balance or a running EMI stays open only until it is paid, then closes
- Add-on cards and the FIRST Digital card on this account stop working on 1 October 2026
The call
For the ₹1L/month spender, IDFC FIRST Mayura nets ₹44,912 against ₹24,185 — a ₹20,727 gap. At ₹5L/month, IDFC FIRST Mayura nets ₹2,53,291 against ₹1,02,521 — a ₹1,50,770 gap. Lounge chasers: IDFC FIRST Mayura opens 129 of 793 tracked doors to Club Vistara IDFC FIRST's 62.
Our standing verdicts: IDFC FIRST Mayura — Keep; Club Vistara IDFC FIRST — Keep. IDFC FIRST Mayura 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 Mayura or Club Vistara IDFC FIRST?
IDFC FIRST Mayura. IDFC FIRST Mayura takes 4 of the 6 rounds we can score. IDFC FIRST Mayura out-earns Club Vistara IDFC FIRST at every spend level we model, from ₹25k to ₹5L a month.
IDFC FIRST Mayura or Club Vistara IDFC FIRST — which earns more at ₹3L a month?
At ₹3L a month, IDFC FIRST Mayura nets ₹1,50,977 against ₹63,353 — a ₹87,624 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 Club Vistara IDFC FIRST?
Club Vistara IDFC FIRST — ₹4,999/yr against ₹5,999/yr. IDFC FIRST Mayura waives its fee at no spend level — there is no waiver; Club Vistara IDFC FIRST at no spend level — there is no waiver.
Which gets you into more airport lounges, IDFC FIRST Mayura or Club Vistara IDFC FIRST?
Lounge chasers: IDFC FIRST Mayura opens 129 of 793 tracked doors to Club Vistara IDFC FIRST's 62. 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 2026-09-03, Club Vistara IDFC FIRST on 2026-09-25. 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 — 10 of them, each with the day we read it
- 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)
- official Bank-wide MITC (₹5,999/₹5,999 with NO spend waiver; NIL forex; add-on ₹4,000 metal / ₹3,000 plastic joining and ₹2,000 annual; ₹199 cash advance; ₹99 redemption fee; ₹3,500)
- community CardInsider review
- official FIRST Digital RuPay add-on (UPI) page
- official Cardmember notice — the programme ends 30 September 2026 and the card takes no transactions from 1 October
- official Product page — closed to new applications; programme ends 30 September 2026; 6 Maharaja Points per ₹200 up to ₹1 lakh a cycle
- official IDFC's May-2026 cardmember notice — from 18 June 2026 Maharaja Points stop at the credit limit for the cycle, and redemption is Maharaja Club only