IDFC

IDFC FIRST Bank Mayura Credit Card

Good for first rewards gallery hotels (app only) and zero-forex spending.

Should you get this?

Conditional fit

Some details need issuer confirmation

Why this card

  • Forex markup is listed as 0%.
  • You travel frequently and will use the lounge benefits.
Issuer evidence · 4 sources →

Trade-off

4/quarter · requires ₹20,000 spend in the previous month (unlocks the following month). Domestic lounge cap is 4 visits per quarter. International lounge cap is 4 visits per quarter.

Annual fee ₹5,999 per year
Rewards 5 pts / ₹150
Lounge access 4 domestic + 4 international visits / quarter · ₹20,000 spend in the previous month
Forex markup 0% zero forex
Compare with Standard Chartered Bank India Ultimate →

Similar tier comparison

What it costs to get, and to keep

Joining vs renewal

First year

₹5,999joining fee

From year 2

₹5,999renewal fee

Welcome offer

Joining Fee Payment Benefit (reward points milestones)

IDFC FIRST Reward Points · IDFC FIRST Reward Points · IDFC FIRST Reward Points

Qualification and fulfilment conditions apply

Rewards

Earning rules

Detail · from the summary above
ScopeRateEligibilityLimit
General spend5 pts / ₹150Credited as reward points · additional conditions apply — not fully modelledEligible spend capped at ₹20,000 per statement cycle
First Rewards Gallery Hotels (app only)40 pts / ₹150Credited as reward points · app only—
First Rewards Gallery Flights (app only)25 pts / ₹150Credited as reward points · app only—
Incremental Spend Above 2000010 pts / ₹150Credited as reward points · additional conditions apply — not fully modelled—
Show all 13 earning rules (9 more)
International spend5 pts / ₹150Credited as reward points—
Education3 pts / ₹150Credited as reward points—
Government services3 pts / ₹150Credited as reward points—
Rent3 pts / ₹150Credited as reward points—
Wallet loads3 pts / ₹150Credited as reward points—
FASTag1 pt / ₹150Credited as reward points—
Insurance1 pt / ₹150Credited as reward points—
Railways1 pt / ₹150Credited as reward points—
Utilities1 pt / ₹150Credited as reward points—

Redemption value

What a Reward Point is worth

  1. Travel₹0.5 / pt

    ₹99 redemption fee

  2. Catalogue₹0.25 / pt

    ₹99 redemption fee

When does this card pay for itself?

Rewards break-even estimate
₹7.2L

Conservative yearly spend needed at the ₹0.25-per-point ranking floor.

Best documented case: about ₹3.6L at ₹0.50 per point.

Reward reality — the earning-rate detail behind the numbers above

Reward reality

Conclusion · what you actually get

Eligible spend

5 points per ₹150 on eligible spend

Verified value

₹0.25 per point

Catalogue

No reward on

  • Fuel
  • EMI
  • Reward points will not be given on Cash Withdrawal
  • Reward points will not be given on Fee
  • Charges
See earning rules →

Realisation

Credited as reward points

Costs & fees

Spending requirements

Spend gates · caps · milestone thresholds
RequirementAmountPeriodUnlocks
Lounge access spend gate₹20,000monthLounge eligibility

Watch outs

Before choosing this card
  • Annual fee is ₹5,999, so value depends on actual usage.

Estimated usage

Example usage at this monthly spend

₹
  • At this monthly spend, you'd earn: Based on the standard earn rate (5 pts / ₹150). Up to ~670 pts/month if the entire spend qualifies. Excluded transactions and category rules earn less. Partner bonuses aren't included.
  • Worth ~₹170 at the conservative redemption floor
  • Annual-fee waiver not offered by issuer

Illustrative only, using current base rates and snapshot data.

Benefits & charges

Side-by-side facts
Benefits

Lounge Access

Domestic (cardholder)
4 per quarter — via Condition: ₹20,000 spend in the previous month (unlocks the following month) · 4 domestic visits per quarter includes 1 complimentary guest entry at domestic airports once every quarter.

Issuer documented · corroborating sources · verify issuer terms before applying

Where to verify
International (cardholder)
4 per quarter Condition: ₹20,000 spend in the previous month (unlocks the following month) · Present Dreamfolks card for global airport lounges.

Issuer documented · corroborating sources · verify issuer terms before applying

Where to verify
Guest access (domestic)
1 per quarter
Guest access (international)
Guests: paid access
IDFC FIRST Mayura lounge list , opens external site
IDFC FIRST Mayura airport lounge T&C , opens external site

Rewards

Base earn
5 points per ₹150 · verified 18 Jul 2026 value depends on redemption
Effective return (honest floor)
~0.833% base at the catalogue redemption floor; up to ~1.667% through documented travel redemption · verified 1 Sept 2026 Conservative redemption floor; best documented path is not ranked on.
Headline point value
₹0.25 per Reward Point (Catalogue) · verified 1 Sept 2026 Operator-verified headline rate — full channel grid in Redemption value.

Insurance Cover

Air accident cover
₹1 crore · verified 5 Jul 2026
Personal accident cover
₹10 lakh · verified 5 Jul 2026
Lost card liability cover
₹50,000 · verified 5 Jul 2026
Underwriter
Insured by New India Assurance · verified 7 Jul 2026
Fees & charges

Fees

Annual fee
₹5,999
Joining fee
₹5,999 · verified 3 Sept 2026
Annual-fee waiver
Not offered
Interest-free period
Up to 45 days · verified 7 Jul 2026

International Use

Forex markup
0%

Issuer documented · corroborating sources · verify issuer terms before applying

Where to verify
Product tier
Premium

Travel & perks

Fuel Benefits

At the pump
  • 1% fuel surcharge waived on transactions ₹200–₹5,000.
  • Maximum waiver ₹300 per statement cycle.

Fine print & compare

Compare with similar cards

Similar tier · similar benefits
SIDE BY SIDE
IDFC FIRST Bank Mayura
vs
Standard Chartered Bank India Ultimate
SIDE BY SIDE
IDFC FIRST Bank Mayura
vs
American Express Platinum Travel
SIDE BY SIDE
IDFC FIRST Bank Mayura
vs
AU Small Finance Bank Zenith

The fine print

Caps · exclusions · earning · redemption · last refresh

Caps & limits

  • General cap: Eligible spend capped at ₹20,000 per statement cycle.
  • After the General cap is reached, post-cap earning varies — check issuer terms.

Exclusions

These spends do not earn reward points.

Financial

  • Fuel
  • EMI

Other

  • Reward points will not be given on Cash Withdrawal
  • Reward points will not be given on Fee and Charges

Redemption & expiry

  • Travel redemption: ₹99 redemption fee per redemption
  • Voucher redemption: ₹99 redemption fee per redemption

Latest update

  • Annual fee: ₹5,999.
  • Forex markup currently listed at 0%.
  • 4 per quarter domestic lounge · 4 per quarter international · ₹20,000 spend in the previous month.

Common questions

From verified card facts

Is this good for lounge access?

4 domestic + 4 international lounge visits/quarter. Check current spend criteria, guest rules, visit caps, and airport acceptance before relying on it.

Is this good for international spends?

Forex markup is 0%, which can be useful for international spends if the annual fee and usage pattern still make sense.

Is the annual fee easy to recover?

₹5,999 every year. The issuer does not offer an annual-fee waiver.

When do welcome benefits arrive?

Joining Fee Payment Benefit (reward points milestones). Included items: IDFC FIRST Reward Points — 4000 reward points on receipt of joining fee., IDFC FIRST Reward Points — 4000 reward points on spends of Rs. 20K in 2nd statement cycle (after joining fee realization). Excludes cash withdrawal, fee, charges, GST., IDFC FIRST Reward Points — 4000 reward points on spends of Rs. 20K in 3rd statement cycle (after joining fee realization). Offered once per customer — prior Mayura holders ineligible. Timing may depend on joining fee payment, card activation, first eligible transaction, or issuer processing.

Learn

Learn more

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Important

Data compiled from issuer and public information. Details may change — verify with issuer. Reference data, not financial advice.

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