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IDFC FIRST Mayura vs RBL World Safari

Both cards compared on real rupee returns for best zero forex travel credit card India IDFC vs RBL. We ran the numbers so you can make the right call.

Last updated: August 2026 · Based on current card terms
IDFC FIRST
MAYURA
ASHOK KUMAR
VS
RBL
WORLD SAFARI
ASHOK KUMAR
Our verdict
IDFC FIRST Mayura Credit Card wins for most people
Card A wins with ₹2,898 annual benefit versus Card B's ₹1,770, despite higher fees. The superior travel rewards on ₹25,000 monthly travel spend justify the premium for this profile.
Side-by-side comparison
IDFC FIRST Mayura Credit Card ✓ RBL Bank World Safari Credit Card
Annual benefit ₹2,898 ₹1,770
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹5,999 + taxes joining + annual (no waiver) ₹3,000 + taxes
Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 10X RP per ₹150 on spends above ₹20,000/month (3.33% on travel); 5X below ₹20,000/month (1.67%); 3X on rent/wallet/education/govt; 1X on utilities/insurance; 1 RP = ₹0.50 for travel via IDFC app 5 travel points per ₹100 on travel spends (1.25%); 2 points per ₹100 on all others (0.5%); 0% forex markup
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → Up to 16 domestic + 16 international lounge visits/year (on ₹20,000/month spend); 1 guest visit for domestic 8 domestic visits/year (2/quarter on ₹35,000/quarter spend); international access via Mastercard
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 0% 0%
Best for Premium travellers wanting zero forex markup, 16 lounge visits/quarter and accelerated travel rewards Frequent international travellers wanting zero forex fees and travel rewards
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹12L+ per year ₹40,000/month (salaried)
Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 750+ 700+
Apply now ↗ Full review →
Apply now ↗ Full review →
When each card wins
IDFC FIRST Mayura Credit Card
Choose Card A if you spend significantly on travel (₹25,000+/month). The 10X rewards multiplier on travel expenses above ₹20,000 threshold and travel redemption value of ₹0.50/point make it superior for your profile.
RBL Bank World Safari Credit Card
Choose Card B if your travel spending drops below ₹15,000/month or you prefer lower annual fees (₹3,000 vs ₹5,999). It's ideal for occasional international travellers wanting forex benefits without premium costs.
Who should get which card
Get IDFC FIRST Mayura if you…
· Heavy travel spender (₹25,000/month in your profile)
· Value premium travel perks like 16 quarterly lounge visits
· Benefit from accelerated 10X rewards on spends above ₹20,000/month
· Want ₹0.50 redemption value per point on travel bookings
Get RBL Bank World Safari if you…
· Budget-conscious with ₹3,000 annual fee vs ₹5,999
· Moderate travel spending (₹10,000-15,000/month)
· Primary need is zero forex markup for international transactions
· Prefer simpler rewards structure without spending thresholds
Partner offer
IDFC FIRST Ashva Credit Card
Frequent travellers who book hotels and flights through the IDFC FIRST Bank app specifically, where the real redemption value is highest; weak for everyday spending outside the app
Apply now →
IDFC
ASHOK KUMAR

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Frequently asked questions
Based on our analysis, IDFC FIRST Mayura Credit Card offers better annual returns for most spend profiles.
IDFC FIRST Mayura Credit Card has an annual fee of ₹5,999 + taxes joining + annual (no waiver). RBL Bank World Safari Credit Card has an annual fee of ₹3,000 + taxes.
IDFC FIRST Mayura Credit Card offers 10X RP per ₹150 on spends above ₹20,000/month (3.33% on travel); 5X below ₹20,000/month (1.67%); 3X on rent/wallet/education/govt; 1X on utilities/insurance; 1 RP = ₹0.50 for travel via IDFC app. RBL Bank World Safari Credit Card offers 5 travel points per ₹100 on travel spends (1.25%); 2 points per ₹100 on all others (0.5%); 0% forex markup.
IDFC FIRST Mayura Credit Card lounge access: Up to 16 domestic + 16 international lounge visits/year (on ₹20,000/month spend); 1 guest visit for domestic. RBL Bank World Safari Credit Card lounge access: 8 domestic visits/year (2/quarter on ₹35,000/quarter spend); international access via Mastercard.
IDFC FIRST Mayura Credit Card charges 0% forex markup. RBL Bank World Safari Credit Card charges 0% forex markup.