The reward rate for Mayura is pretty low -
- 1X = 1 Reward Point per ₹150 spent | 1 Reward point = ₹0.25
So effectively, ~0.167%. But you get 5x on up to ₹20000 spends and 10x beyond, so at best ~1.67% effective reward rate.
DCB Metal has a base reward rate of 3.33% and forex markup of 2% (+GST). However, if you have Global Value Back program activated on your card (1% cashback on international spends), the effective reward rate for international transactions comes to ~1.97%. So I'd say that DCB Metal is still the better choice overall considering only the reward rate. Do keep in mind that many countries have a fairly low acceptance rate for Diners Club cards though whereas the IDFC Mayura uses the MasterCard network and will be accepted everywhere.
