IDFC FIRST Bank Mayura Credit Card benefits
- ForexZero
foreign currency markup
- Rewards5X
points on spends up to ₹20,000 a cycle, 10X above
- Rewards
Points never expire; worth ₹0.50 on travel in the IDFC app
- LoungeUp to 4
domestic lounge visits a quarter on ₹20,000 monthly spends
- Travel
Trip cancellation cover up to ₹50,000
Good to know
- Joining and annual fee ₹5,999 plus GST
IDFC FIRST Bank Mayura Credit Card rewards and cashback
| Where you spend | Rate | Monthly limit |
|---|---|---|
| Bills and utilities1 reward point per ₹150 on utilities, insurance, railways and FASTag. | 0.67 points per ₹100 | None |
| Everything else | 3.33 points per ₹100 | None |
| Spends above ₹20,000 a month10X: 10 reward points per ₹150 on spends above ₹20,000 in a statement cycle. | 6.67 points per ₹100 | None |
We value one point at ₹0.25 in the usual redemption.
No rewards on: Fuel, cash withdrawals, fees, charges and GST.
All reward rules
- 5 reward points per ₹150 (5X) on spends up to ₹20,000 in a statement cycle, about 3.33 points per ₹100. Above ₹20,000, eligible spends earn 10 points per ₹150, and our maths counts both rates.
- 1 reward point = ₹0.25, or ₹0.50 on hotel and flight bookings in the IDFC FIRST Bank app. Points never expire.
- International spends earn 5X and count towards the ₹20,000 threshold. Rent, education, government and wallet loads earn 3 points per ₹150.
- Joining benefit: 4,000 points each on ₹20,000 of spends in the 2nd and 3rd statement cycles.
- Trip cancellation cover of up to ₹50,000, twice a year.
What the IDFC FIRST Bank Mayura Credit Card gives back in a year
Say you spend ₹90,000 a month. Worked out with the same maths as the calculator above.
| Spending | A month | Back | A year |
|---|---|---|---|
| Groceries | ₹9,000 | 1.46% | ₹1,578 |
| Dining and food delivery | ₹6,000 | 1.46% | ₹1,052 |
| Online shopping | ₹54,000 | 1.46% | ₹9,469 |
| Travel | ₹3,000 | 1.46% | ₹526 |
| Fuel | ₹3,000 | 0% | ₹0 |
| Bills and utilities | ₹6,000 | 0.17% | ₹121 |
| Everything else | ₹9,000 | 1.46% | ₹1,578 |
| Total | ₹90,000 | ₹14,325 | |
| Renewal fee with GST | −₹7,079 | ||
| You keep | ₹7,246* |
IDFC FIRST Bank Mayura Credit Card annual fee and charges
- Joining fee
- ₹5,999
- Annual fee
- ₹5,999
- Foreign currency markup
- 0%
Joining fee ₹5,999 and annual fee ₹5,999 from the second year, both plus GST. The joining fee must be paid upfront before the metal card is sent and is not refundable.
IDFC FIRST Bank Mayura Credit Card eligibility
We could not confirm age and income limits from IDFC FIRST Bank's card page. The bank decides when you apply.
The bank alone decides approval and your credit limit.
IDFC FIRST Bank Mayura Credit Card lounge access
16 domestic and 4 international visits a year. Banks often set a spend condition, so read the reward rules above.
Up to 4 domestic airport lounge visits a quarter, including 1 guest visit, on monthly spends of ₹20,000. IDFC FIRST Bank also lists 4 visits to airport lounges outside India; check how often they reset. Also 4 railway lounge visits a quarter.
Is the IDFC FIRST Bank Mayura Credit Card right for you?
A card with a ₹5,999 yearly fee, paying an average 0.83% on most spends.
Worth its fee if you spend about ₹51,000 a month or more. Below that, the ₹5,999 fee costs more than the card gives back on spending like the example above.
Good for you if
- You pay in foreign currency, abroad or on foreign websites: the markup is 0%, against a typical 3.5% on the cards we list.
- You fly a few times a year: it includes 16 domestic and 4 international airport lounge visits a year.
Not for you if
- Your rewards would not reach ₹7,079 a year: that is the renewal fee with GST, and spending does not waive it.
Check the latest fees and terms on the bank's page before you apply.
Alternatives to IDFC FIRST Bank Mayura Credit Card
Two similar cards to weigh up before you apply. The last column shows what each may be worth on ₹30,000 a month of mixed spending, after the renewal fee with GST. Rates paid only at named brands are not counted, so a brand card can earn more if you shop there.
| Card | Annual fee | Rewards up to | You keep a year |
|---|---|---|---|
| IDFC FIRST Bank Mayura Credit Card | ₹5,999 | 1.67% | -₹4,220* |
| HSBC Premier Credit Card | Free | 3% | ₹9,720* |
| BOBCARD ETERNA Credit Card | ₹2,499 | 3.75% | ₹7,470* |
If most of your spending looks like the example above, the HSBC Premier Credit Card may suit you better: it would leave you ₹31,320 a year, against ₹7,246 with the IDFC FIRST Bank Mayura Credit Card.
*Estimate only, not a promise. We work it out from the bank's published terms and the spending you enter. What you actually get depends on the bank, your transactions and any change in its terms.
Frequently asked questions
What is the fee for the IDFC FIRST Mayura Credit Card?
Joining fee ₹5,999 plus GST, and the same annual fee from the second year. The joining fee is paid upfront and is not refundable.
How do Mayura reward points work?
5 points per ₹150 on spends up to ₹20,000 in a statement cycle and 10 points per ₹150 above that. A point is worth ₹0.25, or ₹0.50 on flights and hotels booked in the IDFC FIRST Bank app.
Does the Mayura card charge a forex markup?
No. IDFC FIRST Bank says the card has zero forex markup on international spends.
Does the Mayura card give lounge access?
Yes. Up to 4 domestic airport lounge visits a quarter, including 1 guest visit, if you spend ₹20,000 in the previous month. It also lists 4 visits to lounges outside India and 4 railway lounge visits a quarter.