IDFC FIRST Mayura Credit Card
Updated 5 Jul 2026Source-linked
The IDFC FIRST Mayura Credit Card is a super premium credit card from IDFC FIRST Bank, with a joining fee of ₹5,999 + GST.
It earns up to 10 pts per ₹150 (≈3.3% value) on international spend spends in the form of reward points (points).
Cardholders get 4 quarterly domestic + 4 quarterly international airport lounge access, plus 12,000 reward points (worth up to ₹6,000) as a welcome benefit.
IDFC FIRST Mayura Credit Card
- Joining Fee₹5,999
- Annual Fee₹5,999
- Best Suited ForTravel
- Reward TypeReward Points (points)
Rewards Rate
- 10 pts per ₹150 on international spend
- 10 pts per ₹150 on dining online travel
- Base 1.67% on other spends
Welcome Benefits
- 12,000 reward points (worth up to ₹6,000)
Data verified 5 Jul 2026 — see our methodology
IDFC FIRSTinfinitesuper premiumRewards and Benefits
Rewards Rate
10 pts per ₹150 on international spend
10 pts per ₹150 on dining online travel
Base 1.67% on other spends.
Reward Redemption
IDFC FIRST Rewards: Up to ₹0.50 per reward point when redeemed for hotel & flight bookings via FIRST Rewards Gallery.
Welcome Benefits
12,000 reward points (worth up to ₹6,000)
Milestone Rewards
N/A
Domestic Lounge Access
4 visits each quarterly.
International Lounge Access
4 visits each quarterly.
Travel
Travel insurance cover bundled (see Insurance section).
Movie & Dining
N/A
Golf
4 round(s) / monthly · 2 lesson(s).
Insurance Benefits
- air accident: ₹2,50,00,000
- travel medical: ₹50,00,000
- trip delay: ₹50,000
Other Benefits
- Railway lounge access — 4 complimentary railway lounge visits per quarter across India.
- Hotel booking discount — Flat ₹5,000 off on a minimum hotel booking of ₹25,000.
See the math — accelerations & caps
What you'd realistically keep — caps applied, channel premiums cut when you don't route through them, realized redemption value.
- Online shopping₹500/mo
You spend ₹15,000 · earns 3.3% = ₹500 uncapped
- Valued at realized redemption value
- Dining & food delivery₹267/mo
You spend ₹8,000 · earns 3.3% = ₹267 uncapped
- Valued at realized redemption value
- Travel & hotels₹333/mo
You spend ₹10,000 · earns 3.3% = ₹333 uncapped
- Valued at realized redemption value
Base-rate spend
Non-accelerated spend, summarized at this card's base rate.
- Groceries₹8,000 · 1.7% = ₹133/mo
- Fuel₹4,000 · 0.0% = ₹0/mo
- Utilities & bills₹5,000 · 1.7% = ₹83/mo
Est.net rewards for this spend, realistic
₹9,801/yr₹15,800 rewards − ₹5,999 annual fee. Estimate for the spend you entered.
Fees & Charges
Spend-Based Waiver
₹12,00,000 in the preceding year
Rewards Redemption Fee
N/A
Foreign Currency Markup
0.00%
Interest Rates
3.50% per month (42.0% annualised)
Fuel Surcharge Waiver
1.0% waiver on transactions between ₹200 and ₹5,000.
Cash Advance Charges
2.5% or ₹500 (whichever is higher)
Product Details
- super premium card issued by IDFC FIRST Bank.
- Joining / annual fee of ₹5,999 + GST, waived on annual spends of ₹12,00,000.
- Available on the Visa network.
- Complimentary airport lounge access: domestic (4/quarterly) + international (4/quarterly).
- Insurance cover bundled: air accident, travel medical, trip delay.
Pros & Cons
Pros
- Annual fee waivable on ₹12,00,000 spend.
- Strong base reward rate of 1.67%.
- Low forex markup of 0.00% — suited to international spends.
- Complimentary international airport lounge access.
- 24/7 concierge service.
- Accelerated earn worth ≈3.3% on international spend.
Cons
- High annual fee of ₹5,999.
- No rewards on fuel spends.
₹6,000 welcome benefit
- 12,000 reward points (worth up to ₹6,000)Joining fee paidWindow: 90 days from issuance.
Accelerated rewards
- 10 pts per ₹150 on international spend
- 10 pts per ₹150 on dining online travel
Capping rules
- No monthly RP cap on the general accelerated 10 RP/₹150 international and dining/online/travel earning per the Mayura Rewards Structure T&C (28-05-25, retrieved 2026-07-05); only limit is spends up to credit limit/cycle. The 25,000 bonus-RP/calendar-month cap is scoped ONLY to app hotel/flight bookings (Travel & Shop section), which these general accelerators are not.
Exclusions
The following spend categories earn no rewards on this card:
- fuel
- wallet loads
- rent
- insurance premiums
- emi
Airport lounge access
Domestic
4 visit(s) / quarterly. Via visa, dreamfolks. Guests: 1.
International
4 visit(s) / quarterly. Via priority-pass, loungekey.
Insurance benefits
- air accident: ₹2,50,00,000
- travel medical: ₹50,00,000
- trip delay: ₹50,000Reimbursement for non-refundable flight & hotel cancellations, up to ₹50,000, twice a year.
Fuel surcharge waiver
1.0% waiver on fuel transactions between ₹200 and ₹5,000.
Other benefits
- Railway lounge access. 4 complimentary railway lounge visits per quarter across India.
- Hotel booking discount. Flat ₹5,000 off on a minimum hotel booking of ₹25,000. (≈ ₹5,000 value)
Sources
- : www.idfcfirst.bank.in · retrieved 3 Jul 2026
Last verified 5 Jul 2026. Verify with the issuer before applying.
Eligibility
- Age
- 21–60
- Credit score
- 750+
- Income (salaried)
- ₹25,00,000 p.a.
- Income (self-employed)
- ₹25,00,000 p.a.