About IDFC FIRST Mayura Credit Card
IDFC FIRST Mayura Credit Card is a metal premium credit card designed for users who want benefits across categories like travel, dining, shopping, and rewards. As an IDFC credit card, it offers up to 10X reward points on monthly spends above ₹20,000. Since the card is made for high-income users, reaching this spending level is usually easy. However, the redemption value of ₹0.25 per point keeps the overall return around 1.66%, which is relatively low for a card with an annual fee of ₹5,999.
The card does not offer any annual fee waiver, but it provides welcome cashback and renewal rewards, which help balance the cost to some extent. While the reward value is limited, the card focuses more on travel and lifestyle benefits rather than just reward earnings.
On the positive side, the card offers strong travel features like zero forex mark-up, complimentary domestic and international lounge access, trip cancellation cover, and travel insurance. It also includes lifestyle benefits like golf rounds, movie offers, and rewards on everyday spends. Overall, it is a good option for users looking for a travel credit card with a mix of premium travel and lifestyle benefits.
Also Read: Best Credit Cards in India 2026
IDFC First Bank introduces the Mayura Credit Card, offering multiple benefits including cashback of up to ₹4,000. In addition to various perks, the card also supports UPI transactions.
IDFC FIRST Mayura Credit Card Rewards Program
Rewards Program:
- Get 50 bonus points on hotel bookings and 30 on flights via the app (capped at 25,000 points)
- Earn 10x reward points on spends above ₹20,000 per month and on birthday spends
- Earn 5x reward points on spends up to ₹20,000 per month
- Earn 3x reward points on spends of ₹2,000+ via digital card, rent, wallet, education & government payments
- Earn 3x reward points on rent, wallet, education & government spends
- Earn 1x reward points on spends below ₹2,000 via digital card, utilities & insurance
- 1x = 1 reward point per ₹150 spent
- Redeem points at ₹0.50 per point for travel bookings via the app
- Redeem points at ₹0.25 per point for other categories
Suggested Read: Best Rewards Credit Cards for Everyday Spending
Other Features and Benefits
Joining Benefits
Get 4,000 reward points on joining fee payment and additional 4,000 points each on spending ₹20,000 in the 2nd and 3rd billing cycles
Travel Benefits
- Zero forex mark-up fee on international spends
- Get up to 16 domestic lounge & spa visits per year (max 4 per quarter), including 1 guest visit
- Enjoy up to 16 international lounge visits per year (max 4 per quarter)
- Get up to 16 railway lounge visits per year (max 4 per quarter)
- Bring 1 guest to railway lounges using your access quota
Also Check: Best Travel Credit Cards
Trip Cancellation Protection
- Get reimbursement of up to ₹50,000 on non-refundable flight & hotel cancellations, twice a year
Hotel Benefits
- Get ₹5,000 off on bookings of ₹25,000 at The Postcard luxury hotels in India (once per quarter)
Golf Benefits
- Get up to 24 complimentary golf rounds or lessons per year (max 2 per month)
- 1st free round/lesson on monthly spends of ₹20,000 and 2nd on ₹40,000
Suggested Read: Best Golf Credit Cards in India for 2026
Movie Benefits
- Buy 1 Get 1 movie ticket with up to ₹500 off on the second ticket, twice a month
Milestone Benefits
- Earn 7,500 reward points (worth ₹3,750) on annual spends of ₹8 lakh or 15,000 points (worth ₹7,500) on ₹15 lakh spends
Fuel Benefits
- 1% fuel surcharge waiver up to ₹300 per month on fuel spends between ₹200–₹5,000
Also Read: Best Fuel Credit Cards
Mastercard Privileges
- Enjoy dining discounts at 350+ restaurants, golf benefits, and 1-year Little Emperors Hotel Club membership
Visa Infinite Privileges
- Get complimentary 3rd night at ITC Hotels & Elivaas, dining discounts, airport meet & greet, and global hotel privileges
- Access concierge services for travel, stays, dining, and bookings
Insurance Benefits
- Get air accident cover of ₹1 crore, personal accident cover of ₹10 lakh, and lost card liability of ₹50,000
- Insurance includes baggage loss (USD 500), baggage delay (USD 100), and flight delay/passport loss (USD 300 each)
- Complimentary roadside assistance worth ₹1,399
Also Read: Best IDFC Credit Cards
Fees and Charges
| Fee Type | Amount |
|---|
| Joining Fee | Rs. 5,999 + Applicable Taxes |
| Annual Fee | Rs. 5,999 + Applicable Taxes |
| Finance Charges | 0.75% to 3.99% p.m. (9% to 47.88% p.a.) |
| Late Payment Charges | 15% of total amount due as per the previous statement minus any payments received before the due date (subject to a min. of Rs. 100) |
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Document Required For IDFC FIRST Mayura Credit Card
- Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
- Proof of Address: Aadhaar Card, Driver’s License, Passport
- Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
Click here to know More Terms and Conditions
Eligibility Criteria
- Age: 21 to 70 years
- Occupation: Salaried or Self-employed
- Credit Score: Should have a good credit history
IDFC FIRST Mayura Credit Card Highlights
What do we like about this card?
- Get 5,000 reward points on payment of the joining fee.
- Earn ₹1,000 cashback up to 4 times on transactions above ₹1,000 within 60 days of virtual card setup (joining fee must be paid).
- Zero forex mark-up fee on international transactions.
- Earn 5X reward points on monthly spends below ₹20,000.
- Earn 10X reward points on monthly spends above ₹20,000 or on your birthday.
Things to Know Before you apply
Get this card if:
- You want an all-rounder credit card and are okay with paying an annual fee of ₹5,999
- You make frequent international transactions and prefer zero forex markup fees
- You can meet the spend-based conditions to maximize rewards and savings
- You travel often and need a semi-premium card with benefits across categories
Pros
- Zero forex markup fee
- Complimentary domestic and international lounge access multiple times a year
- Free trip cancellation protection up to ₹50,000
- 3X reward points on rent, wallet loads, education, and government payments
Cons
- High annual fee of ₹5,999 with no waiver
- Low reward rate capped at 1.66%
- Lounge and golf benefits are linked to spend thresholds
- No reward points on fuel and EMI transactions
Idfc Bank Credit Card Contact Details
- Contact Address: IDFC FIRST Bank Ltd. Naman Chambers, C-32, G Block, Bandra Kurla Complex, Bandra (East), Mumbai – 400051, Maharashtra, India
Helpline (24x7): 1800 10 888 (Toll-Free for all customers) - Simply SMS: Send “IDFCCREDIT” to 5676732 from your registered mobile number
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Frequently Asked Questions
The joining fee of Rs. 5,999 + GST is payable once the digital card is issued. You can make the payment anytime before the first statement due date.
On paying the joining fee, you will receive Rs. 1,000 cashback for every 4 transactions of Rs. 1,000 or more, made within 60 days of card issuance. The cashback will reflect in the subsequent statement. (Cash withdrawals, fees, and charges do not qualify).
If this is your first unsecured IDFC FIRST Bank credit card, your limit will be set as per the bank’s internal policies. If you already have an unsecured IDFC FIRST Bank card, your new card will share the same limit across all unsecured credit cards.
Yes, 10X rewards are not applicable on spends related to education, wallet loads, government payments, rent/property, utilities, insurance, EMIs, cash withdrawals, fuel, fees, and charges. Also, only transactions settled before statement generation are considered for 10X rewards. If settlement happens later, rewards will be credited in the next cycle.
You get up to 16 complimentary domestic and 16 international airport lounge visits every year. To unlock this benefit, you need to spend at least Rs. 20,000 in the previous month.
This card comes with zero forex markup fee, making it highly beneficial for international transactions.
No, the reward points never expire as long as your card remains active.
No annual fee waiver is provided. However, you can earn:
7,500 reward points worth Rs. 1,875 on annual spends of Rs. 8 Lakh.
15,000 reward points worth Rs. 3,750 on annual spends of Rs. 15 Lakh.
