Home/Compare/BOB Cashback Credit Card vs IDFC First Mayura Credit Card

BOB Cashback Credit Card vs IDFC First Mayura Credit Card

Detailed side-by-side comparison to help you pick the right card for your needs.

Our Recommendation

BOB Cashback Credit Card wins 4 out of 4 comparison categories.

⭐ Recommended

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Side-by-Side Comparison

Annual Fee
₹499 Winner
₹2,999
Joining Fee
₹499 Winner
₹2,999
Fee Waiver
Waived on 1L spend
Waived on 5L spend
Cashback Rate
Up to 1% Winner
Reward Rate
1% cashback on all spends
10X points on International, 5X on Travel/Dining
Lounge Access
No
4 domestic + 2 international per quarter
Welcome Bonus
5000 bonus points
Min. Income
₹25,000/mo Winner
₹1,00,000/mo
Credit Score
680+ Winner
750+
Best For
Value seekers
Premium travelers

BOB Cashback Credit Card

What we love

  • Simple cashback
  • Low annual fee
  • Govt bank trust

Keep in mind

  • Basic rewards rate

IDFC First Mayura Credit Card

What we love

  • Best lounge access
  • High international rewards
  • Golf privileges

Keep in mind

  • High fee
  • High income requirement

Frequently Asked Questions

Which is better: BOB Cashback Credit Card or IDFC First Mayura Credit Card?

Based on our analysis, BOB Cashback Credit Card is the better choice with advantages in 4 out of 4 comparison categories including fees and rewards. However, IDFC First Mayura Credit Card may be better if your spending aligns with its specific benefits like premium travelers.

What is the annual fee difference?

BOB Cashback Credit Card has an annual fee of ₹499 (Waived on 1L spend), while IDFC First Mayura Credit Card costs ₹2,999 (Waived on 5L spend) per year.

Can I apply for both cards?

Yes! There's no restriction on holding multiple credit cards from different banks. Many savvy users hold both types to maximize rewards across different spending categories.