IDFC FIRST Bank Mayura Credit Card
Earn rewards and benefits with IDFC FIRST Bank Mayura Credit Card.
Travel & Lounge Fit Score
94/100
Joining Fee
₹5,999
Annual Fee
₹5,999
Reward Rate (%)
0.7 – 33
Forex Markup
0%
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CardCheck Rating & Score
Our proprietary algorithm evaluates cards across reward value, fee fairness, lounge access and terms to provide an unbiased score.
Reward Power
35/35
Fee Value & ROI
12/25
Lounge & Perks
20/20
Forex & Access
14/20
Category Strengths Breakdown
Ranked by strongest spend categoryScoring Methodology: Evaluated deterministically using verified bank MITC filings, fee waiver spend ratios, reward percentage caps, and lounge agreements. No card receives sponsored score inflation. Learn how we score →
IDFC FIRST Bank Mayura Credit Card Benefits
IDFC FIRST Bank Mayura Credit Card Rewards
How you earn back on every swipe
points
Reward type
0.7% – 33%
Earn rate
₹0.5
Per point
IDFC FIRST Bank Mayura Credit Card Fees & Charges
Programme fees we track below. Interest on cash withdrawals or revolving balances, late-payment slabs and other statutory charges are detailed in the official Most Important Terms and Conditions (MITC).
IDFC FIRST Bank Mayura Credit Card Lounge Access
Airport perks included with this card
4 per quarter
Domestic lounge visits
16 per year
International lounge visits
Card Features
Annual Fee: ₹5,999
This card carries a fixed annual fee of ₹5,999. At ~0.7% estimated return, spending approximately ₹71,417/mo earns enough rewards to fully offset the annual fee.
Tips & reviews
Community comments — not financial advice. Bank terms still apply.
IDFC FIRST Bank Mayura Credit Card Eligibility
Employment type
Pros & Cons
- Zero forex markup for international spending
- Excellent travel rewards through the FIRST Rewards Gallery
- Strong accelerated rewards on higher monthly spends
- Generous domestic and international lounge access
- High-value reward redemption for travel (₹0.50 per point)
- Good golf and entertainment benefits
- Premium metal card with comprehensive travel privileges
- Reward points never expire
- High joining and annual fee of ₹5,999 + GST
- No annual fee waiver based on spending
- Lounge access requires ₹20,000 spend in the previous calendar month
- Maximum reward value is achieved primarily through the bank's travel portal
- Non-travel redemptions offer only ₹0.25 per Reward Point
- Fuel, EMI conversions, cash withdrawals, and fees do not earn rewards
- Travel reward multipliers are subject to monthly caps
- Better suited for frequent travelers than everyday cashback users
Quick Links
Data last updated 12 Aug 2026
Calculate your exact earnings with IDFC FIRST Bank Mayura Credit Card
Enter your monthly spending in groceries, dining, fuel, travel, and shopping to calculate your estimated net return after fees, reward caps and exclusions.
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