Travel
Lounge Access
Movies
Reward Points
1st Year Fee: ₹5,999* Plus Applicable Taxes
Rewards
Up to 10X rewards on every spend
Travel
Zero foreign exchange markup fee
Lounge Access
16 international lounge visits per year
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IDFC FIRST Mayura Credit Card is a premium metal card designed to offer benefits across various categories, including travel, dining, shopping, and more. The card offers up to 10X rewards on monthly spends above Rs. 20,000. Since this card is targeted at high-income individuals, reaching this threshold may not be difficult, allowing cardholders to easily maximize their reward point earnings. However, the low redemption value of Rs. 0.25 per reward point significantly limits the actual value back—bringing it down to just 1.66%, even at the 10X reward rate, which is quite low for a card with an annual fee of Rs. 5,999.
Additionally, the card does not offer any annual fee waiver, although you can earn cashback as a welcome benefit and bonus reward points on renewal, which partially compensate for the fee.
Rewards Program
Welcome Benefits
Golf Benefits
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Spend Rewards₹0
Milestone Benefits₹0
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₹5,999 Plus Applicable Taxes
NA₹5,999 Plus Applicable Taxes
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| 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) |
You are looking for an all-rounder credit card and can pay an annual fee of Rs. 5,999
You make considerable international spends and want a card with zero forex markup fee
You can maximize your savings by meeting the spend-based conditions
You travel frequently and are looking for a semi-premium credit card catering to multiple categories
Age: 21 to 65 years
Occupation: Salaried or Self-employed
Income Requirement: Rs. 25 LPA and above
IDFC FIRST Mayura Credit Card is a semi-premium card catering to multiple categories such as shopping, travel, dining, movies, and more. The card stands out due to its zero forex markup fee, higher frequency of complimentary lounge visits, and trip cancellation protection of up to Rs. 50,000, making it an excellent option for frequent travellers. Besides travel, the card also offers decent lifestyle benefits such as complimentary golf games, free movie tickets, and premium benefits through the Mastercard World Privileges program.
While IDFC FIRST Mayura Credit Card stands out as an excellent choice for frequent travellers, its overall value back of up to 1.66% with limited reward redemption options impacts the card’s value—especially considering that it is primarily focused on lifestyle and travel. At an annual fee of Rs. 5,999, cards like Axis Atlas offer a 1:1 air mile conversion ratio along with better redemption options. Overall, Mayura Card is an ideal option for individuals seeking an all-rounder credit card that offers value back through lifestyle and travel benefits rather than just reward points.
Everything you need to know about this credit card
You can avail up to 16 complimentary domestic and 16 international airport lounge visits every year with this card. However, you can avail this benefit on spending Rs. 20,000 in the previous month.
IDFC FIRST Mayura Credit Card comes with zero forex markup fee, making it a suitable option for international transactions.
To apply for this credit card, you can visit any of the nearest branches of IDFC FIRST Bank and submit a duly filled application form in person. Alternatively, you can apply online via the official website by filling and submitting the application form digitally.
No, the reward points earned on this credit card do not have an expiry period. You can redeem them as long as your credit card remains active.
No, this credit card does not offer an annual fee waiver. However, you can earn 7,500 reward points worth Rs. 1,875 on spending Rs. 8 Lakh in a year or 15,000 reward points worth Rs. 3,750 on spending Rs. 15 Lakh in a year.
The credit limit is determined by the bank based on multiple factors such as your credit score, repayment history, monthly income, and more. The assigned credit limit will be communicated to you upon approval of the card.
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Shruti Sharma
Shruti Sharma is a skilled content writer with a passion for simplifying personal finance for consumers. Specializing in credit cards and financial planning, she offers valuable insights that empower individuals to make informed financial choices. Through her writing, she shares practical tips and guides readers through the nuances of credit card usage.
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