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Ashva and Mayura Credit Cards: The ultimate travel credit card experience
Key Takeaways
The Ashva and Mayura Credit Cards by IDFC FIRST Bank go beyond basic travel credit card perks by offering base, accelerated, and bonus reward layers for high-value redemptions.
- You can maximise your earnings with up to 60X bonus reward points on travel spends made via the IDFC FIRST Bank Mobile Banking App.
- These travel credit cards offer unmatched lifestyle and travel benefits, including complimentary lounge access, hotel discounts, and robust insurance cover.
- With high point redemption values of ₹0.40 (Ashva) and ₹0.50 (Mayura), frequent flyers can turn every swipe into smarter savings and enhanced travel credit card benefits.
Whether you’re jetting off for a family holiday, heading abroad for business, or chasing adventure across continents, choosing the right travel credit card can elevate every journey. It’s not just about points - it’s about benefits that match your travel style.
And yet, most cards stop at accelerated rewards. That’s where the Ashva and Mayura Credit Cards from IDFC FIRST Bank stand apart. With base, accelerated, and bonus reward layers, they offer significantly more value on your travel spends.
Here’s how these premium cards deliver a superior travel experience while maximising every swipe.
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Why most travel credit cards stop short of full value
Let’s begin with the typical travel credit card structure. You earn base points on all spends, and maybe accelerated points on travel-related purchases. But beyond that, there’s often a limit. Your rewards potential gets capped, and your high spending doesn’t necessarily translate into high-value returns.
This is especially frustrating for affluent travellers whose spending consistently exceeds average monthly thresholds. More spending should equal more value, right? That’s the philosophy behind the Ashva and Mayura Credit Cards.
Understanding the power of bonus reward programs
What sets the Ashva and Mayura Credit Cards apart is their unique approach to rewarding travel spends. You earn 5X reward points (where 1X = 1 reward point per ₹150 spent) on spends up to ₹20,000 per statement cycle. Once you cross that threshold, your additional spends unlock 10X rewards — maximising value as you spend more.
This tiered earning structure ensures that every rupee you spend earns more once you cross a certain threshold - a benefit especially suited for frequent or high-value travellers.
But that’s not all. On top of base and accelerated rewards, these cards offer exclusive bonus reward slabs tied to how and where you spend, helping you earn up to 60X reward points on your spending. When you use either card to make travel bookings through the “Travel & Shop” section of the IDFC FIRST Bank Mobile Banking App, you unlock:
- 30X bonus reward points on flight bookings
- 50X bonus reward points on hotel bookings
These are not base or accelerated points. They are bonus rewards, awarded in addition to what you’d usually earn. That’s a huge step up for savvy travellers who want to extract maximum value from every transaction.
Triple-dip your rewards: Base + accelerated + bonus
This layered approach means you can triple-dip:
- Base rewards on all card spends (5X on up to ₹20,000/month)
- Accelerated rewards once you cross that monthly threshold (10X on spends above ₹20,000)
- Bonus rewards for specific categories like flight and hotel bookings made via the IDFC FIRST Bank Mobile Banking App
In practice, this means a hotel booking of ₹30,000 via the portal can fetch:
- 5X reward points on the first ₹20,000 = 666 points (base)
- 10X reward points on the remaining ₹10,000 = 666 points (accelerated)
- 50X bonus reward points on the entire ₹30,000 = 10,000 points
- Total = 11,332 reward points
For the Ashva Credit Card, where 1 point = ₹0.40 for travel bookings, this equates to ₹4,532.8 in value. For the Mayura Credit Card, where 1 point = ₹0.50, the same rewards translate to ₹5,666. You can use these reward points to avail discounts on your next trip, making every travel spend today a step towards a more affordable journey tomorrow.
How the Ashva and Mayura Credit Cards elevate your entire travel experience
The reward program on the Ashva and Mayura Credit Cards is impressive — but that’s just the beginning. These cards are designed to elevate every step of your journey, offering travel perks that go far beyond just earning points.
From seamless airport access and exclusive hotel discounts to robust travel protection and lifestyle perks, these cards are built for travellers who seek the sophisticated benefits of metal.
Here’s a detailed comparison of the travel benefits each card offers:
Benefit |
Ashva Credit Card |
Mayura Credit Card |
Forex markup |
1% |
0% |
Complimentary airport lounge access |
Indian airport lounges: 4 visits per quarter Global airport lounges: 2 visits per quarter |
Indian airport lounges: 4 visits per quarter (including 1 guest visit) Global airport lounges: 4 visits per quarter |
Complimentary Indian railway lounge access |
4 visits per quarter |
4 visits per quarter |
Free trip cancellation cover |
Up to ₹25,000 twice a year |
Up to ₹50,000 twice a year |
Postcard Hotels & Resorts discount |
Enjoy a flat discount of ₹5,000 on a minimum booking of ₹25,000 (valid till 10th Feb 2027) |
Enjoy a flat discount of ₹5,000 on a minimum booking of ₹25,000
(valid till 10th Feb 2027) |
Whether you're travelling for work or leisure, these travel credit card benefits ensure you're not only earning more but enjoying more. With the Ashva and Mayura Credit Cards, comfort, convenience, and premium experiences are always part of the journey.
Benefits of choosing Mayura and Ashva credit cards for travel
With the Ashva and Mayura Credit Cards, you're not just choosing a card - you're choosing a smarter way to travel. These metal credit cards are designed to reward high-value travel spends while offering premium protection and comfort, every step of the way.
Here’s how:
- Up to 60X points on hotel stays and 40X points on flights when you book through the Travel & Shop section of the IDFC FIRST Bank mobile app
- Redeemed the reward points at ₹0.40 per point on hotel and flight bookings via the app for the Ashva Credit Card and at ₹0.50 per point for the Mayura Credit Card
- Enjoy four Indian and two global lounge visits each quarter with the Ashva Credit Card and four global and four Indian lounge visits including one guest visit per quarter with the Mayura Credit Card
- Get four complimentary Indian railway lounge visits per quarter with both metal credit cards
- Get a zero forex markup with the Mayura Credit Card and a low and transparent 1% fee with the Ashva Credit Card - much less than the industry standard of 3-3.5%
- Global recognition - IDFC FIRST Bank has been ranked among the World’s Best Banks 2025 by Forbes and Statista
Ready to unlock premium rewards and world-class travel perks? Whether you're planning your next vacation or business trip, the Ashva and Mayura Credit Cards ensure you travel smarter, spend better, and enjoy more. Apply for your card today!
Frequently Asked Questions
Can I use my travel credit card for non-travel expenses too?
Absolutely. While travel credit cards like Mayura and Ashva offer maximum rewards on flights and hotels, they still earn base reward points on everyday spends like dining, groceries, shopping, etc. These points can be saved and later redeemed for travel, helping you turn even routine expenses into future getaways.
What kind of traveller should choose the Ashva or Mayura Credit Card?
Choose the Ashva Credit Card if you travel frequently and prioritise consistent travel benefits, low forex markup, and comprehensive insurance coverage. It’s ideal for business travellers or regular flyers looking to maximise value with every trip.
Opt for the Mayura Credit Card if you prefer a luxury travel experience, premium reward value, and elevated privileges. With broader lounge access, zero forex charges, and exclusive lifestyle perks, it’s tailored for international travellers or high-spending travellers.
Disclaimer
The contents of this article/infographic/picture/video are meant solely for information purposes. The contents are generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. The information is subject to updation, completion, revision, verification and amendment and the same may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject IDFC FIRST Bank or its affiliates to any licensing or registration requirements. IDFC FIRST Bank shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.
The features, benefits and offers mentioned in the article are applicable as on the day of publication of this blog and is subject to change without notice. The contents herein are also subject to other product specific terms and conditions and any third party terms and conditions, as applicable. Please refer our website www.idfcfirst.bank.in for latest updates.
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