Verified 2026 Bank MITC Rules & RBI ExclusionsUpdated: 2026-03-01
Ixigo AU Credit Card vs IDFC FIRST Wealth Credit Card for ₹30,000 Monthly Spend
Comparing Ixigo AU Credit Card vs IDFC FIRST Wealth Credit Card at ₹30,000/month. Ixigo AU Credit Card wins, delivering ₹6,165 net annual value (1.71% ROI) vs ₹5,454 for IDFC FIRST Wealth Credit Card.
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₹30,000(₹3,60,000/yr)
₹10,000/mo₹1,00,000/mo₹2,50,000/mo
Winner at ₹30,000/mo+ ₹711/yr Higher Value
Ixigo AU Credit Card
Delivers ₹6,165 net annual returns (1.71% ROI) vs ₹5,454 on IDFC FIRST Wealth Credit Card.
Card A
Ixigo AU Credit Card
AU Small Finance Bank
₹6,165Net Annual Benefit
Gross Rewards:₹6,165/yr
Effective Fee (incl. GST):Waived (₹0)
Net ROI on Spend:1.71%
Card B
IDFC FIRST Wealth Credit Card
IDFC FIRST Bank
₹5,454Net Annual Benefit
Gross Rewards:₹5,454/yr
Effective Fee (incl. GST):Waived (₹0)
Net ROI on Spend:1.52%
2-Card Optimization HackMaximize Trapped / Capped Spend
+₹3,600/year Extra YieldPair Ixigo AU Credit Card + SBI Cashback Credit Card
Pair Ixigo AU Credit Card with SBI Cashback Credit Card to capture up to ₹3,600/yr extra on zero-reward categories.
Routes excluded categories:Utility & Offline Spends
Detailed 12-Category Rupee Breakdown (@ ₹30,000/mo)
| Spend Category | Monthly Spend | Ixigo AU Credit Card | IDFC FIRST Wealth Credit Card |
|---|---|---|---|
| Amazon, Flipkart & Myntra Shopping | ₹7,500/mo | ₹188 (2.5%) | ₹188 (2.5%) |
| Scan & Pay Merchant UPI | ₹4,500/mo | ₹56 (1.25%) | ₹34 (0.75%) |
| Electricity, Water, Gas & Broadband Bills | ₹3,600/mo | ₹45 (1.25%) | ₹27 (0.75%) |
| Swiggy, Zomato & Dining Out | ₹3,600/mo | ₹90 (2.5%) | ₹90 (2.5%) |
| Blinkit, Zepto, Instamart & Supermarkets | ₹3,000/mo | ₹75 (2.5%) | ₹45 (1.5%) |
| Petrol & Diesel at Fuel Stations1% fuel surcharge waiver on transactions between ₹400 and ₹5,000, capped at ₹150/cycle | ₹2,400/mo | 0% Excluded | 0% Excluded |
| Flights, Hotels & IRCTC Trains | ₹2,400/mo | ₹60 (2.5%) | ₹60 (2.5%) |
| LIC, Health & Term Insurance Premiums | ₹1,500/mo | 0% Excluded | ₹11 (0.75%) |
| House Rent & School/College FeesRent and educational payments are excluded from reward points accrual | ₹1,500/mo | 0% Excluded | 0% Excluded |
| International Travel & Forex SpendsZero 0% markup fee on foreign currency transactions; 1% dynamic currency conversion fee applies if settled in INR | ₹0/mo | ₹0 (1.25%) | ₹0 (2.5%) |
| Gold, Silver & Jewelry Purchases | ₹0/mo | ₹0 (0%) | ₹0 (0%) |
| Income Tax, GST & Challan Payments | ₹0/mo | ₹0 (0%) | ₹0 (0%) |
| Net Annual Benefit | ₹3,60,000/yr | +₹6,165 | +₹5,454 |
Frequently Asked Questions
Which card is better between Ixigo AU Credit Card and IDFC FIRST Wealth Credit Card for ₹30,000/month?▼
At ₹30,000/month (₹360,000/year), Ixigo AU Credit Card mathematically outperforms IDFC FIRST Wealth Credit Card by ₹711/year. Ixigo AU Credit Card delivers ₹6,165 net annual benefit (1.71% effective yield), while IDFC FIRST Wealth Credit Card returns ₹5,454 (1.52% effective yield).
Will the annual fee be waived at ₹30,000 monthly spend?▼
On an annual spend of ₹360,000: Ixigo AU Credit Card annual fee is waived (₹0). IDFC FIRST Wealth Credit Card annual fee is waived (₹0).
How do reward caps impact the earnings on both cards?▼
At this spend tier, Ixigo AU Credit Card loses ₹0/year to monthly cashback caps, while IDFC FIRST Wealth Credit Card loses ₹0/year. Ixigo AU Credit Card remains uncapped at this spend. IDFC FIRST Wealth Credit Card remains uncapped at this spend.
What is the breakeven monthly spend between Ixigo AU Credit Card and IDFC FIRST Wealth Credit Card?▼
The calculated crossover breakeven spend is ₹170,000/month, where higher-fee benefits overtake the lower-fee option.