IDFC FIRST Mayura vs Standard Chartered Ultimate
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
IDFC FIRST Mayura Credit Card wins 5 of 8 dimensions with a CardTrail Score of 8.3/10 vs 7.9/10.
| Feature | IDFC FIRST Mayura | Standard Chartered Ultimate |
|---|---|---|
| CardTrail Score | 8.3/10 | 7.9/10 |
| Annual Fee | ₹5,999 | ₹5,000 |
| Base Reward Rate | 0.83% | 3.3% |
| Max Reward Rate | 10% | 3.3% |
| Forex Markup | Zero | 2% |
| Domestic Lounges | 16 | 4 |
| International Lounges | 16 | 12 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa Infinite | Visa Infinite |
When to Choose IDFC FIRST Mayura
- You travel internationally — saves ₹2,000/year on ₹1L forex spend
- You want higher rewards — up to 10% vs 3.3%
- Airport lounge access matters — 16 domestic visits
- Your primary spend is: travel, high-spender
When to Choose Standard Chartered Ultimate
- You can meet the fee waiver condition: Spend ₹5L/year
- Your primary spend is: high-spender, general
Forex Cost Comparison
On ₹1,00,000 annual international spending: IDFC FIRST Mayura costs ₹0 in forex fees vs Standard Chartered Ultimate at ₹2,360. You save ₹2,360/year with IDFC FIRST Mayura.
Annual Fee Value Analysis
To break even on IDFC FIRST Mayura's ₹5,999 fee at 0.83% rewards, spend ₹60,231/month.
To break even on Standard Chartered Ultimate's ₹5,000 fee at 3.3% rewards, spend ₹12,626/month.