IDFC FIRST Bank Mayura Credit Card
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IDFC First Bank

IDFC FIRST Bank Mayura Credit Card

Mastercard
Premium

Your rating

Community rating

Best for travel and lifestyle spenders

Joining Fee

₹5,999

Annual Fee

₹5,999

Reward Rate

0.7% – 33%

Forex Markup

0%

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IDFC FIRST Bank Mayura Credit Card Benefits

Earn up to 40X Reward Points on hotel bookings via FIRST Rewards Gallery
Earn up to 25X Reward Points on flight bookings via FIRST Rewards Gallery
Earn 5X Reward Points on spends up to ₹20,000 per statement cycle
Earn 10X Reward Points on incremental spends above ₹20,000 per statement cycle
0% forex markup on international transactions
4 domestic airport lounge visits per quarter and 4 international lounge visits per quarter (spend-based eligibility)
Complimentary DreamFolks membership for international lounge access
Buy 1 Get 1 movie ticket offer up to ₹500 off, twice every month
Complimentary golf privileges with up to 4 rounds and 12 lessons annually, plus additional spend-based access

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 charges are set by the bank and spelled out in their Most Important Terms and Conditions (MITC). Use the official product page for those details.

Joining fee₹5,999
Annual fee₹5,999
Interest-free period45 days
Interest rate (APR)8.5% – 46.2%
Late payment fee (max)₹1,300
Over-limit fee2.5%
Forex markup0%
Fuel surcharge waiverYes (₹200–₹5000)

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

Metal Card
Contactless
UPI Linked

Tips & reviews

Community comments — not financial advice. Bank terms still apply.

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IDFC FIRST Bank Mayura Credit Card Eligibility

Age21+ yrs – 65
CIBIL score710+

Employment type

SalariedSelf employed

Pros & Cons

Pros
  • 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
Cons
  • 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

View on bank website

Data last updated 8 Jul 2026

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