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IDFC Mayura vs BOB Etihad Guest

Compare IDFC Mayura vs BOB Etihad Guest across fees, rewards, cashback, lounge access, and eligibility to shortlist the best fit.

Comparison cockpit

Futuristic side-by-side card intelligence

IDFC Mayura leads on reward rate, while BOB Etihad Guest has the lowest annual fee.

Card 1

IDFC Mayura

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.9.4

Card 2

BOB Etihad Guest

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.6.0
IDFC Mayura - IDFC credit card
Balanced value9.4

idfc / VISA

IDFC Mayura

Annual

₹4,999

Return

4%

Lounges

18

Forex

0%

Card summary
  • IDFC Mayura leans travel and lifestyle with ₹4,999 annual fee, 4% headline return potential, and 18 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹4,999 annual fee.
  • 4% reward rate can outperform flat cashback for loyal users.
  • 18 lounge access adds travel utility.
Cons
  • Low forex markup matters mainly if you travel internationally.
  • Higher ₹18,00,000 income expectation narrows eligibility.
  • Travel value depends on actually using lounge and trip perks.
Best for

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details
BOB Etihad Guest - BOB credit card
Balanced value6.0

bob / VISA

BOB Etihad Guest

Annual

₹2,999

Return

3%

Lounges

6

Forex

0%

Card summary
  • BOB Etihad Guest leans travel and lifestyle with ₹2,999 annual fee, 3% headline return potential, and 6 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹2,999 annual fee.
  • 3% reward rate can outperform flat cashback for loyal users.
  • 6 lounge access adds travel utility.
Cons
  • Low forex markup matters mainly if you travel internationally.
  • Eligibility still depends on bank policy and credit history.
  • Travel value depends on actually using lounge and trip perks.
Best for

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details
Metric
IDFC Mayura
BOB Etihad Guest
Fees
Annual fee
₹4,999
₹2,999
Joining fee
₹4,999
₹2,999
Rewards
Cashback rate
1%
1%
Reward rate
4%
3%
Travel
Forex markup
0%
0%
Domestic lounges
12
4
International lounges
6
2
Benefits
Fuel waiver
Yes
Yes
Dining
Yes
No
Movies
Yes
No
Eligibility
Minimum income
₹18,00,000
₹8,00,000

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