Skip to content
littleden.blogIndependent banking product research for India
Compare
Browse
Explore the researchBanking systems, decision tools and evidence standards.
Product finder
Opens in a new tab.
Head-to-head

IDFC FIRST Ashva Credit Card vs IDFC FIRST Mayura Credit Card

Compare IDFC FIRST Ashva Credit Card and IDFC FIRST Mayura Credit Card on annual fee, rewards, fee waiver, lounge access, forex markup, best-fit use case and source evidence.

Maintained credit-card comparison

IDFC FIRST Ashva Credit Card vs IDFC FIRST Mayura Credit Card

Compare exact issuer-backed terms and practical trade-offs without a universal winner badge.

Latest underlying reviewSeptember 11, 2026
IDFC FIRST BankIDFC FIRST Ashva Credit Card

Premium users who value a 1% forex markup and can justify the annual fee through travel/lifestyle benefits.

Annual fee
₹2,999 under the current IDFC FIRST Bank schedule of charges.
Reviewed
September 11, 2026
Evidence
3 issuer sources
Open card research
IDFC FIRST BankIDFC FIRST Mayura Credit Card

High-spend travelers who can use Mayura’s premium travel benefits and zero-forex structure enough to justify the ₹5,999 annual fee.

Annual fee
₹5,999 under the current IDFC FIRST Bank schedule of charges.
Reviewed
September 11, 2026
Evidence
4 issuer sources
Open card research
No universal winnerFee, rewards, lounge and forex matter differently by use case.
Conditions stay visibleCaps, waivers, exclusions and qualification rules are not stripped out.
Evidence stays separateOne issuer's source set never validates the other card.
Keep an offline research copyPrint the full comparison or choose Save as PDF in your browser. All decision checkpoints are expanded for the print copy.

littleden.blog · Comparison research sheet

IDFC FIRST Ashva Credit Card vs IDFC FIRST Mayura Credit Card

Prepared 13 Sep 2026 · Source page: https://littleden.blog/compare/idfc-first-ashva-vs-idfc-first-mayura/

General product research only. Recheck the listed first-party sources before acting because product terms can change after the recorded review dates.

Decision checkpoints

Answer the questions that can actually change the choice.

Each checkpoint reproduces the recorded product fields instead of assigning a winner. Read the condition, scope and missing-data state before treating a difference as useful to you.

01Would the card still fit if you miss its fee waiver?Read the recurring fee and qualifying-spend rule together before counting rewards as value.

IDFC FIRST Ashva Credit Card

Annual fee
₹2,999 under the current IDFC FIRST Bank schedule of charges.
Fee waiver
No spend-based annual-fee waiver is stated in the reviewed current schedule; the published annual fee remains ₹2,999.

IDFC FIRST Mayura Credit Card

Annual fee
₹5,999 under the current IDFC FIRST Bank schedule of charges.
Fee waiver
No annual-fee waiver is stated; after paying the ₹5,999 + GST annual fee, ₹8 lakh / ₹15 lakh prior-anniversary-year spend earns 7,500 / 15,000 reward points respectively under the annual-fee-payment benefit.
02Do your actual purchases qualify for the rewards?Check the reward structure and the recorded cautions; a headline earning rate is not the return on every purchase.

IDFC FIRST Ashva Credit Card

Reward rules
Current issuer positioning advertises up to 10X reward points for Ashva, with detailed earn rules maintained in product material.

Recorded cautions

  • Annual fee requires realistic benefit usage.
  • Metal/plastic add-on fees may differ.
  • Check current reward and lounge rules.

IDFC FIRST Mayura Credit Card

Reward rules
Current issuer positioning advertises up to 10X reward points; the annual-fee-payment benefit can separately award 7,500 or 15,000 points at the published prior-year spend thresholds after fee payment.

Recorded cautions

  • The ₹5,999 annual fee must actually be paid before the annual-fee-payment reward benefit applies.
  • The ₹8 lakh / ₹15 lakh spend thresholds award reward points; they do not waive the renewal fee.
  • Lounge quotas and qualifying programme rules should be evaluated separately from the zero-forex benefit.
03Which travel and approval conditions apply to you?Check lounge conditions, foreign-currency costs and issuer eligibility independently of reward value.

IDFC FIRST Ashva Credit Card

Lounge conditions
4 complimentary Indian airport-lounge visits, 2 global lounge visits and 4 railway-lounge visits per quarter; spend ₹20,000 in the current month to activate the lounge benefit in the next calendar month.
Forex costs
1% markup on international spends under current Ashva product material and the IDFC FIRST Bank fee schedule.
Eligibility
Current IDFC FIRST card directory lists annual income above ₹12 lakh; issuance remains subject to the bank’s assessment.

IDFC FIRST Mayura Credit Card

Lounge conditions
Current IDFC FIRST material lists 4 domestic and 4 international lounge visits per quarter for Mayura, plus one guest entry at domestic airports, subject to programme conditions.
Forex costs
0% / Nil forex markup under the current IDFC FIRST Bank fee schedule and card-directory positioning.
Eligibility
Current IDFC FIRST card directory lists annual income above ₹25 lakh; issuance remains subject to the bank’s assessment.
Other maintained comparisons for IDFC FIRST Ashva Credit CardOther maintained comparisons for IDFC FIRST Mayura Credit Card
Shared research themes
Premium Credit CardsTravel Credit Cards
Exact terms

Put the controlling card fields next to each other.

Full issuer-backed wording stays visible because a waiver condition, cap or qualification rule can matter more than the headline number.

On a small screen, scroll this table sideways. The factor column stays visible.

Table region. When the region itself has keyboard focus, use Left and Right arrows to scroll horizontally; Home and End move to the start or end.

Credit-card terms side by side for IDFC FIRST Ashva Credit Card and IDFC FIRST Mayura Credit Card
Decision factorIDFC FIRST Ashva Credit CardIDFC FIRST Mayura Credit Card
Joining fee₹2,999 under the current IDFC FIRST Bank schedule of charges.₹5,999 under the current IDFC FIRST Bank schedule of charges.
Annual fee₹2,999 under the current IDFC FIRST Bank schedule of charges.₹5,999 under the current IDFC FIRST Bank schedule of charges.
Fee waiverNo spend-based annual-fee waiver is stated in the reviewed current schedule; the published annual fee remains ₹2,999.No annual-fee waiver is stated; after paying the ₹5,999 + GST annual fee, ₹8 lakh / ₹15 lakh prior-anniversary-year spend earns 7,500 / 15,000 reward points respectively under the annual-fee-payment benefit.
RewardsCurrent issuer positioning advertises up to 10X reward points for Ashva, with detailed earn rules maintained in product material.Current issuer positioning advertises up to 10X reward points; the annual-fee-payment benefit can separately award 7,500 or 15,000 points at the published prior-year spend thresholds after fee payment.
Lounge4 complimentary Indian airport-lounge visits, 2 global lounge visits and 4 railway-lounge visits per quarter; spend ₹20,000 in the current month to activate the lounge benefit in the next calendar month.Current IDFC FIRST material lists 4 domestic and 4 international lounge visits per quarter for Mayura, plus one guest entry at domestic airports, subject to programme conditions.
Forex markup1% markup on international spends under current Ashva product material and the IDFC FIRST Bank fee schedule.0% / Nil forex markup under the current IDFC FIRST Bank fee schedule and card-directory positioning.
NetworkPremium metal card; network variant is issuance-dependent in the reviewed material.Premium metal card; network variant is issuance-dependent in the reviewed material.
Eligibility / approvalCurrent IDFC FIRST card directory lists annual income above ₹12 lakh; issuance remains subject to the bank’s assessment.Current IDFC FIRST card directory lists annual income above ₹25 lakh; issuance remains subject to the bank’s assessment.
Wrong-fit risks

Know what can make either card unsuitable.

These cautions remain attached to the underlying card records instead of being converted into a score.

IDFC FIRST Bank

IDFC FIRST Ashva Credit Card

  • Annual fee requires realistic benefit usage.
  • Metal/plastic add-on fees may differ.
  • Check current reward and lounge rules.
IDFC FIRST Bank

IDFC FIRST Mayura Credit Card

  • The ₹5,999 annual fee must actually be paid before the annual-fee-payment reward benefit applies.
  • The ₹8 lakh / ₹15 lakh spend thresholds award reward points; they do not waive the renewal fee.
  • Lounge quotas and qualifying programme rules should be evaluated separately from the zero-forex benefit.
Decision tools

Model the parts of the comparison that depend on your own usage.

These tools are arithmetic aids only. They do not predict approval, issuer offers or future benefits.

Independent source state

Verify both cards from their own issuer evidence.

Each side keeps its own review date, source set and evidence state.

IDFC FIRST Bank

IDFC FIRST Ashva Credit Card

3 issuer sources8/8 core fields confirmedReviewed September 11, 2026
Fee / charge scheduleIssuer product pageIssuer document

Checked: Joining fee · Annual fee · Fee waiver · Rewards · Lounge · Forex · +2 more

Open primary issuer source ↗
Open primary issuer source ↗
IDFC FIRST Bank

IDFC FIRST Mayura Credit Card

4 issuer sources8/8 core fields confirmedReviewed September 11, 2026
Fee / charge scheduleIssuer product pageIssuer document

Checked: Joining fee · Annual fee · Fee waiver · Rewards · Lounge · Forex · +2 more

Open primary issuer source ↗
Open primary issuer source ↗
MethodologyResearch statusMore card comparisons

First-party source appendix

These are the exact source URLs already attached to the two research records. Re-open the controlling documents before relying on a fee, rate, limit, eligibility rule or benefit.

IDFC FIRST Ashva Credit Card

Reviewed September 11, 2026 · 3 attached first-party sources

  1. Fee / charge schedulehttps://www.idfcfirstbank.com/credit-card/fees-and-charges
  2. Issuer product pagehttps://www.idfcfirstbank.com/credit-card
  3. Issuer documenthttps://www.idfcfirstbank.com/content/dam/idfcfirstbank/pdf/Ashva/docs/pdoc.pdf

IDFC FIRST Mayura Credit Card

Reviewed September 11, 2026 · 4 attached first-party sources

  1. Fee / charge schedulehttps://www.idfcfirstbank.com/credit-card/fees-and-charges
  2. Issuer product pagehttps://www.idfcfirstbank.com/credit-card
  3. Issuer documenthttps://www.idfcfirstbank.com/content/dam/idfcfirstbank/pdf/Mayura/docs/pdcoc.pdf
  4. Issuer documenthttps://www.idfcfirstbank.com/content/dam/idfcfirstbank/pdf/Mayura/docs/Mayura-Credit-Card-welcome-Offer.pdf