IDFC FIRST Mayura vs IDFC FIRST Diamond Reserve (2026)
IDFC FIRST Diamond Reserve 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
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: 1.7% at ₹5,999/yr against 0.5% at ₹3,000/yr.
IDFC FIRST Mayura out-earns IDFC FIRST Diamond Reserve 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 | IDFC FIRST Diamond Reserve |
|---|---|---|
| #10 — wins this row | Our rank | #21 |
| ₹5,999/yr | Fee — joining · annual (+ GST) | ₹3,000/yr — wins this row |
| None | Fee waiver | ₹6,00,000 spend |
| Nil — 0% markup on foreign currency and DCC transactions | Forex markup | Nil — 0% markup; the MITC table names Diamond Reserve beside FIRST Private, WOW!, WOW! Black, Mayura and Gaj at NIL |
| 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 8.5%–46.2%/yr; 47.88%/yr while the minimum amount due is unpaid, revised back to 46.2% once it is paid |
| 1.7% — wins this row | Headline earn rate | 0.5% |
| IDFC FIRST Reward Points | Currency | IDFC FIRST Reward Points |
| ₹0.25/pt † | House value | ₹0.25/pt † |
| 12,000 RP — 4,000 on fee payment + 4,000 each on ₹20k in cycles 2 and 3 (once per customer) | Welcome benefit | Brand offers worth ₹5,000+ on joining-fee payment (ET Prime ₹1,199, Lenskart Gold Max ₹800, MakeMyTrip up to ₹1,600, Mokobara 10%, ₹500 off a first app flight booking) + 5% cashback up to ₹1,000 on a first EMI |
| 129 of 793 | Lounge doors opened | 129 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.
† IDFC FIRST Diamond Reserve: Diamond Reserve is the IDFC card with NO app-travel redemption premium: its own Privileges document says "1 reward point = ₹0.25", full stop, where Mayura gets ₹0.50 and Ashva ₹0.40. Points never expire and redeem as cash against any online purchase rather than a catalogue, which makes them unusually liquid for IDFC — they are simply worth the house ₹0.25, not a paisa more, and there is no in-app travel rung to chase.
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 Diamond Reserve 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: ₹2,106 at ₹0.25L a month, ₹1,26,283 at ₹5L — the gap fans out with spend, widest at ₹5L (₹1,26,283).
IDFC FIRST Mayura pays 2 annual spend milestones, the first at ₹8,00,000 a year, and IDFC FIRST Diamond Reserve pays none.
IDFC FIRST Mayura draws above the line, IDFC FIRST Diamond Reserve below · ₹0.25L to ₹5L a month, step by step
| Monthly spend | IDFC FIRST Mayura | IDFC FIRST Diamond Reserve | In front |
|---|---|---|---|
| ₹0.25L | ₹2,795 | ₹689 | IDFC FIRST Mayura by ₹2,106 |
| ₹0.5L | ₹15,584 | ₹10,179 | IDFC FIRST Mayura by ₹5,405 |
| ₹0.75L | ₹32,123 | ₹16,669 | IDFC FIRST Mayura by ₹15,454 |
| ₹1L | ₹44,912 | ₹23,160 | IDFC FIRST Mayura by ₹21,752 |
| ₹1.25L | ₹61,452 | ₹29,650 | IDFC FIRST Mayura by ₹31,802 |
| ₹1.5L | ₹74,241 | ₹36,141 | IDFC FIRST Mayura by ₹38,100 |
| ₹1.75L | ₹87,031 | ₹42,632 | IDFC FIRST Mayura by ₹44,399 |
| ₹2L | ₹99,819 | ₹49,122 | IDFC FIRST Mayura by ₹50,697 |
| ₹2.25L | ₹1,12,609 | ₹55,612 | IDFC FIRST Mayura by ₹56,997 |
| ₹2.5L | ₹1,25,398 | ₹62,103 | IDFC FIRST Mayura by ₹63,295 |
| ₹2.75L | ₹1,38,188 | ₹68,594 | IDFC FIRST Mayura by ₹69,594 |
| ₹3L | ₹1,50,977 | ₹75,084 | IDFC FIRST Mayura by ₹75,893 |
| ₹3.25L | ₹1,63,766 | ₹81,575 | IDFC FIRST Mayura by ₹82,191 |
| ₹3.5L | ₹1,76,555 | ₹88,065 | IDFC FIRST Mayura by ₹88,490 |
| ₹3.75L | ₹1,89,345 | ₹94,556 | IDFC FIRST Mayura by ₹94,789 |
| ₹4L | ₹2,02,134 | ₹1,01,046 | IDFC FIRST Mayura by ₹1,01,088 |
| ₹4.25L | ₹2,14,924 | ₹1,07,536 | IDFC FIRST Mayura by ₹1,07,388 |
| ₹4.5L | ₹2,27,712 | ₹1,14,027 | IDFC FIRST Mayura by ₹1,13,685 |
| ₹4.75L | ₹2,40,502 | ₹1,20,517 | IDFC FIRST Mayura by ₹1,19,985 |
| ₹5L | ₹2,53,291 | ₹1,27,008 | IDFC FIRST Mayura by ₹1,26,283 |
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 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
IDFC FIRST Diamond Reserve · 3 more →
- No reward points on international spend at all — zero forex, zero earn, same transaction
- 1 point = ₹0.25 flat; no app-travel redemption premium, unlike Mayura (₹0.50) and Ashva (₹0.40)
- Lounge, railway lounge, golf and movie perks all need ₹20,000 spent the previous calendar month, with no carry-over
The call
For the ₹1L/month spender, IDFC FIRST Mayura nets ₹44,912 against ₹23,160 — a ₹21,752 gap. At ₹5L/month, IDFC FIRST Mayura nets ₹2,53,291 against ₹1,27,008 — a ₹1,26,283 gap. Lounge chasers get no tiebreak here: both open 129 of 793 tracked doors.
Our standing verdicts: IDFC FIRST Mayura — Keep; IDFC FIRST Diamond Reserve — 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 Mayura or IDFC FIRST Diamond Reserve?
IDFC FIRST Mayura. IDFC FIRST Mayura takes 5 of the 6 rounds we can score. IDFC FIRST Mayura out-earns IDFC FIRST Diamond Reserve at every spend level we model, from ₹25k to ₹5L a month.
IDFC FIRST Mayura or IDFC FIRST Diamond Reserve — which earns more at ₹3L a month?
At ₹3L a month, IDFC FIRST Mayura nets ₹1,50,977 against ₹75,084 — a ₹75,893 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 IDFC FIRST Diamond Reserve?
IDFC FIRST Diamond Reserve — ₹3,000/yr against ₹5,999/yr. IDFC FIRST Mayura waives its fee at no spend level — there is no waiver; IDFC FIRST Diamond Reserve at ₹6,00,000 of spend.
Which gets you into more airport lounges, IDFC FIRST Mayura or IDFC FIRST Diamond Reserve?
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 Mayura on 2026-09-03, IDFC FIRST Diamond Reserve on 2026-08-15. 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 — 13 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 Domestic lounge list — the 48 rooms the two quarterly visits can be spent at, addresses and terminals included
- official Product page + FAQs — a single ₹3,000 + GST a year (waived at ₹6 lakh from year two), zero forex, and "Reward points will not be given on international spends"
- official Privileges document — the rewards bands (3 RP per ₹150 up to ₹20,000 a statement cycle, 10 above it) and "1 reward point = ₹0.25", with no travel-portal split
- official Change notice effective 18 Jun 2026 — reward points capped at the credit limit per billing cycle, movie BOGO moved to a ₹20,000 previous-month gate, app-travel bonus restated
- official Welcome-offer PDF for cards generated on or after 18 Jun 2026 — the five joining benefits, released only on payment of the ₹3,000 joining fee and valid 90 days
- official Product guide — FEES & CHARGES panel: ₹3,000 rows labelled "1st Year" and "2nd Year Onwards" (joining = year one, annual from year two)