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IDFC First Bank Mayura Credit Card VS RBL Bank Insignia Preferred Banking World Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 21 July 2026

Both RBL Bank Insignia Preferred Banking World Card and IDFC First Bank Mayura Credit Card suit travel-focused spenders, but they earn and cost differently. RBL Bank Insignia Preferred Banking World Card costs ₹7,000 + GST and earns 5 reward points for every INR 100 on domestic and 10 points on international transactions. IDFC First Bank Mayura Credit Card costs ₹5,999 + GST and earns up to 40X RP on travel bookings; 10X RP on incremental spends >₹20k; 5X RP on spends up to ₹20k. RBL Bank Insignia Preferred Banking World Card also brings 2 complimentary lounge visits every calendar quarter at major domestic & international terminals in India, while IDFC First Bank Mayura Credit Card counters with 4 complimentary visits + 1 guest visit per quarter (16/year) on ₹20k spend in previous month. Weigh the fee against the reward rate above to see which fits your spending pattern better.

IDFC First Bank Mayura Credit Card
IDFC First Bank Mayura Credit Card
RBL Bank Insignia Preferred Banking World Card
RBL Bank Insignia Preferred Banking World Card

Fees & Charges

Joining Fee₹5,999 + GST
Joining Fee₹7,000 + GST
Renewal Fee₹5,999 + GST
Renewal Fee₹7,000 + GST
Spend Based Waiver
Spend Based WaiverAnnual fee waived on spending INR 10 lacs in a membership year (applicable for the fee variant).
Foreign Transaction Fees0%
Foreign Transaction Fees1.5%.
Interest Rate (APR)Monthly: 0.75% – 3.65%; Annual: 9% – 43.8%
Interest Rate (APR)Ranges from 2.5% to 3.4% per month.

Rewards & Benefits

Welcome BonusEarn 12,000 Reward Points across 3 cycles upon joining fee payment and meeting spend thresholds.
Welcome BonusGet 28,000 bonus reward points as a welcome benefit. Swipe and use your card within 30 days.
Rewards RateUp to 40X RP on travel bookings; 10X RP on incremental spends >₹20k; 5X RP on spends up to ₹20k.
Rewards RateEarn 5 reward points for every INR 100 on domestic and 10 points on international transactions.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption Fee₹99 + GST
Reward Redemption FeeNil.

Travel & Lifestyle

Domestic Lounge Access4 complimentary visits + 1 guest visit per quarter (16/year) on ₹20k spend in previous month.
Domestic Lounge Access2 complimentary lounge visits every calendar quarter at major domestic & international terminals in India.
International Lounge Access4 complimentary visits per quarter (16/year) via Dreamfolks on ₹20k spend in previous month.
International Lounge AccessPriority Pass with 6 complimentary international lounge visits annually, shareable with guests.
Travel BenefitsFlat ₹5k off at The Postcard Hotels, 1-year Little Emperors Hotel Club, ITC & Elivaas hotel offers.
Travel BenefitsExclusive benefits at 2400+ premium hotels globally: early check-in, upgrades, breakfast, dining credit.
Movie BenefitsBOGO movie tickets (up to ₹500 off) twice monthly via Zomato/BookMyShow on ₹20k previous month spend.
Movie BenefitsFlat discount of INR 500 on movie tickets at BookMyShow twice a month, saving INR 12,000 annually.
Dining BenefitsExclusive offers, priority reservations via Mastercard Culinary Club & up to 20% off at restaurants via VISA.
Dining BenefitsEnjoy 25% to 50% discount, 1+1 Buffet privileges, and priority booking via EazyDiner Prime.
Golf Benefits2 free rounds/lessons monthly (on ₹20k spend). 4 green fees & 12 lessons/year via Mastercard.
Golf Benefits4 complimentary rounds of green fee and 1 golf lesson each month annually across India.
Fuel Surcharge Waiver1% waiver on ₹200-₹5,000 transactions, max ₹300/cycle.
Fuel Surcharge Waiver1% waiver on fuel transactions between INR 500-4,000, max waiver up to INR 500/month.

Security & Other

Insurance BenefitsPurchase Protection, Travel Insurance (up to $1200), ₹50k Trip Cancellation, ₹1Cr Air Accident.
Insurance Benefits
Cash Advance Charges₹199 + GST per transaction; interest-free up to 45 days (max ₹10k withdrawal).
Cash Advance Charges2.5% of transaction amount, subject to a minimum charge of INR 500.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

IDFC First Bank Mayura Credit Card

RBL Bank Insignia Preferred Banking World Card

Who is it for?

The IDFC First Bank Mayura Credit Card is a premium metal card designed for affluent travelers and high-spenders. It offers zero foreign exchange charges, extensive airport and railway lounge access, and up to 40X Reward Points on travel bookings. With valuable insurance benefits and lifestyle perks, it's ideal for individuals seeking comprehensive travel and luxury benefits.

Who is it for?

The RBL Bank Insignia Preferred Banking World Card is a premium offering designed for a world-class experience, especially beneficial for Insignia Preferred Banking members who receive it with zero fees. It boasts extensive global lounge access, a low 1.5% forex markup with accelerated international rewards, and significant milestone benefits. This card is ideal for high-spenders seeking luxury travel, dining, and lifestyle perks, complemented by a dedicated 24x7 concierge service.

Pros

Key benefits and features.

Excellent for frequent travelers due to zero foreign exchange charges and abundant airport/railway lounge access.

Includes a valuable Trip Cancellation Cover worth ₹50,000, twice a year, offering peace of mind.

Offers a wide array of lifestyle benefits including golf, dining, luxury hotel perks, and concierge services.

The card features a premium metal design and reward points that never expire, enhancing its value.

Easy application process, including a card-to-card option, making it accessible for many users.

Pros

Key benefits and features.

Extensive complimentary lounge access globally via Priority Pass and domestically.

Low 1.5% foreign currency markup, plus 2X reward points on international spends.

Significant milestone benefits, offering INR 8,000 vouchers on INR 8 lacs annual spend.

Generous movie and dining discounts, including INR 500 off movies twice monthly.

Dedicated 24x7 concierge service for travel, dining, and lifestyle assistance.

Cons

Key drawbacks and limitations.

The hefty joining and annual fees may not be fully compensated by welcome benefits for moderate spenders.

Eligibility for certain benefits like lounge access and movie offers requires a minimum monthly spend.

There are no explicit renewal benefits or spend-based annual fee waivers, which is a drawback.

The reward rate, while good, is noted to be similar to the Ashva Credit Card, potentially less unique.

Cons

Key drawbacks and limitations.

High joining and renewal fees of INR 7,000 + GST for non-Insignia customers.

Welcome benefits are not applicable for existing Insignia Banking customers.

No explicit insurance benefits are provided with the RBL Bank Insignia card.

Golf benefits are exclusively complimentary for MasterCard holders only.

Spend-based waiver requires a high annual spend of INR 10 lacs to avoid fees.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for IDFC First Bank Mayura Credit Card(opens in new tab)Apply for RBL Bank Insignia Preferred Banking World Card(opens in new tab)