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

IDFC First Mayura Credit Card vs BOB Cashback 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.

💰 Earn ₹2,800 cashback via EarnKaro

⭐ Recommended

💰 Earn ₹950 cashback via EarnKaro

Side-by-Side Comparison

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

IDFC First Mayura Credit Card

What we love

  • Best lounge access
  • High international rewards
  • Golf privileges

Keep in mind

  • High fee
  • High income requirement

BOB Cashback Credit Card

What we love

  • Simple cashback
  • Low annual fee
  • Govt bank trust

Keep in mind

  • Basic rewards rate

Frequently Asked Questions

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

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