Choosing the right credit card can make a significant impact on your lifestyle and spending benefits. Today, we compare IDFC Bank’s two premium offerings: the Ashva and Mayura credit cards. Whether you’re a frequent traveler, movie lover, or points collector, let’s see which one suits you best!
IDFC Ashva Credit Card
- Annual Fee: ₹2,999 + GST
- Reward Structure:
- 10X RP for every ₹150 spent over ₹20,000 monthly
- 5X RP for every ₹150 up to ₹20,000
- 3X RP on rent, wallet reload, education, and govt transactions
- Welcome Bonus:
- 5,000 RP (till Oct 31, 2024)
- ₹2,000 cashback on 4 transactions (₹500 each)
- Travel Perks:
- 4 domestic & 2 international lounge access per quarter
- 4 railway lounge access per quarter
- Movie Offers:
- BOGO up to ₹400 (BookMyShow)
IDFC Mayura Credit Card
- Annual Fee: ₹5,999 + GST
- Reward Structure:
- Same as Ashva!
- Welcome Bonus:
- 10,000 RP (till Oct 31, 2024)
- ₹4,000 cashback on 4 transactions (₹1,000 each)
- Travel Perks:
- 4 domestic & 4 international lounge access per quarter
- 4 railway lounge access per quarter (Spend ₹20,000 monthly for lounge access in the next month)
- Movie Offers:
- BOGO up to ₹500 (BookMyShow)
Comparison Highlights:
- Annual Fee: Mayura costs twice as much but offers more lounge access and a higher movie benefit.
- Welcome Bonus: Mayura gives double the points & cashback compared to Ashva.
- Lounge Access: Mayura offers 4 international visits per quarter, compared to 2 for Ashva.
- Movie Offers: Mayura’s ₹500 cap beats Ashva’s ₹400.
Which one is better for you?
- Frequent Traveler? Go with Mayura for more international lounge access.
- Movie Buff? Mayura’s higher BOGO ticket value could be a better pick.
- Budget-Conscious? The Ashva offers solid value at half the fee of Mayura.
Choose wisely and maximize your rewards and benefits!
What do you think? Which card would you prefer, Ashva or Mayura?