Synopsis: Both IDFC Mayura and IDFC Ashva are metal credit cards designed for the mid-tier segment, featuring premium designs that give them a stylish look and offer attractive rewards. This article compares both cards and explains which one is more suitable based on an individual’s spending habits.
The two premium credit cards of IDFC FIRST bank, namely the Ashva and Mayura Credit Cards, offers a wide range of perks and benefits. In this article, we will compare these two credit cards to help you understand which credit card best suits your spending habits.
IDFC First Mayura Credit Card
Mayura credit card has a Joining fee of ₹5,999 + GST and Anuual fee of ₹5,999 + GST which positions this card in the premium segment. Within the first 60 days of purchasing the card, if you make a transaction of ₹1,000 and above, you receive ₹1,000 cashback, up to a maximum of 4 times (excluding cash withdrawals, fees, charges and GST).
4 complimentary lounge access per quarter and 1 guest visit per quarter in Indian airports and 4 complimentary lounge access per quarter in International airports by spending ₹20,000 in 1 calendar month, 4 complimentary lounge access per quarter in Indian Railway terminals, 2 complimentary golf rounds/lessons per month (spendings between ₹20,000 and ₹40,000 in the previous statement cycle). This card has Zero Forex markup charge. It also offers Buy 1 Get 1 free on movie tickets on spending ₹500 twice a month via BookMyShow
Main Benefits of Mayura Credit Card
- Free Trip Cancellation Cover (Upto ₹50,000 for upto 2 claims on hotels and flights in a year)
- Roadside Assistance (RSA) Cover worth of ₹1,399
- Interest-free ATM cash withdrawals for upto 45 days
To purchase the card, please visit the Official website of IDFC First Mayura Credit Card
IDFC First Ashva Credit Card
Ashva Credit card has a joining fee of ₹2,999 + GST, budget friendly compared to Mayura Credit Card. As welcome benefit, one can recieve cashbacks upto ₹2,000 within 60 days of purchasing the card by making 4 transactions, each of ₹500 and above and recieving cashback of ₹500 for each transaction. Reward points are same for both online and offline transactions. No reward points for fuel, EMI and ATM cash withdrawals.
Up to 4 complimentary visits per quarter in Indian Airports (domestic and international terminals) and up to 2 complimentary visits per quarter at International airports by spending ₹20,000 in the previous month. The Forex markup for this card is 1%. This card also offers Buy 1 Get 1 free offer on Movie Tickets with up to ₹400 off on the second ticket, twice in a calendar month. This card offers 1% fuel surcharge waiver, so if fueling is between ₹200 to ₹5,000, you can get benefits of up to ₹400.
Main Benefits of Ashva Credit Card
- Air Accident Cover of ₹1 Crore, Personal Accident Cover of ₹10,00,000 and Lost Card Liability Cover of ₹50,000.
- Travel Insurance coverage upto 1200 USD
- Complimentary Roadside Assistance worth ₹1,399
To purchase the card, please visit the Official website of IDFC First Ashva Credit Card
Also read: Airtel Axis vs Axis ACE: One Credit Card Gives 78% More Monthly Cashback — See the Winner
Reward structure and feature comparison
| Feature | Mayura | Ashva |
|---|---|---|
| Annual Fee (Joining + Renewal) | ₹5,999 + GST | ₹2,999 + GST |
| Welcome Points (cards from Sep 1, 2025) | 12,000 pts (up to ₹6,000) | 7,500 pts |
| Reward Points (up to ₹20,000/cycle) | 5RP per ₹150 | 5RP per ₹150 |
| Reward Points (above ₹20,000) | 10RP per ₹150 | 10RP per ₹150 |
| Birthday Spends | 10RP per ₹150 | 10RP per ₹150 |
| International Spends | 5RP per ₹150 | 5RP per ₹150 |
| Rent / Edu / Govt / Wallet Load | 3RP per ₹150 | 3RP per ₹150 (+ UPI) |
| Insurance / Utility / Railways / FASTag | 1RP per ₹150 | 1RP per ₹150 |
| Hotel Bookings (IDFC App) | 50RP bonus → 60X total | 50RP bonus → 60X total |
| Flight Bookings (IDFC App) | 30RP bonus → 40X total | 30RP bonus → 40X total |
| Travel Redemption Value | ₹0.50 per point | ₹0.40 per point |
| All Other Redemptions | ₹0.25 per point | ₹0.25 per point |
| Reward Points Expiry | NIL | NIL |
| Forex Markup | 0% | 1% |
In conclusion, both cards share the same earning engine but mayura is ideally preferred if you travel internationally 3+ times a year, benefit from zero forex markup, 4 international lounge visits per quarter, redeem points for flights and hotels, spend 5L+ internationally every year and need interest free ATM cash withdrawals. Ashva is preferred if you mostly travel domestically, want a metal card experience at just INR 2999 per year, 2 international lounge visits per quarter is enough, use cashback or gift vouchers, spend under INR 3 lakhs internationally and rarely withdraw cash from ATMs. Hence, for domestic spenders, ashva delivers the best reward value and Mayura delivers mostly for those who travel abroad frequently.
Written by Vijai Krishna
