IDFC First Mayura Credit Card vs HDFC IRCTC Credit Card
Detailed side-by-side comparison to help you pick the right card for your needs.
HDFC IRCTC Credit Card wins 3 out of 4 comparison categories.
IDFC First Bank
IDFC First Mayura Credit Card💰 Earn ₹2,800 cashback via EarnKaro
Side-by-Side Comparison
IDFC First Mayura Credit Card
What we love
- Best lounge access
- High international rewards
- Golf privileges
Keep in mind
- High fee
- High income requirement
HDFC IRCTC Credit Card
What we love
- IRCTC cashback
- Train lounge access
- Fuel waiver
Keep in mind
- Specific to trains
Frequently Asked Questions
Which is better: IDFC First Mayura Credit Card or HDFC IRCTC Credit Card?
Based on our analysis, HDFC IRCTC Credit Card is the better choice with advantages in 3 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 HDFC IRCTC Credit Card costs ₹500 (Waived on 1.5L 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.