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IDFC FIRST Mayura Credit Card Review
A premium metal card with zero forex markup, up to 10X reward points on monthly spends above ₹20,000, and 16 domestic plus 16 international lounge visits a year- but a steep ₹5,999 fee with no waiver, ever.
3.8
/5
Card24 Score
Rewards 3.6
Travel 4.5
Fees 2.5
Last reviewed June 2026 · Card24.ai editorial team
Annual Fee
₹5,999 Annual Fee*
Forex
0% Forex Markup*
Accelerated Earn
10 RP/₹150 Above ₹20K*
Credit Card Verdict- IDFC FIRST Mayura
What we like
- Zero forex markup on the IDFC FIRST Mayura Credit Card makes every international transaction meaningfully cheaper than on cards charging the usual 2–3.5% markup, and combined with 10X reward points on high spends, it's genuinely well suited to frequent overseas spenders.
- 16 domestic and 16 international airport lounge visits a year, plus 16 railway lounge visits and complimentary golf rounds and lessons, put this card's travel and lifestyle stack ahead of most cards in its price bracket.
- Annual milestone bonuses of 7,500 Reward Points at ₹8 lakh spend, or 15,000 Reward Points at ₹15 lakh spend, give high spenders a real path to partially offset the otherwise non-waivable ₹5,999 fee.
- The insurance suite- ₹1 crore air accident cover, ₹10 lakh personal accident cover, ₹50,000 trip cancellation protection, plus baggage and flight-delay covers- adds genuine protective value that many mid-tier travel cards skip entirely.
Watch out for
- The IDFC FIRST Mayura Credit Card's ₹5,999+GST fee has no waiver option at all, in year one or any renewal year- a genuine outlier among premium Indian credit cards, most of which offer at least a high-spend waiver path.
- Spends below ₹20,000 in a month earn just 5 Reward Points per ₹150 (0.83% value back), and even the accelerated 10X tier works out to only 1.67% at the standard ₹0.25/RP redemption rate- modest compared to the card's premium fee.
- Lounge access, golf privileges, and the movie BOGO offer are all gated behind a ₹20,000 minimum spend in that specific month- miss the threshold one month, and you lose those benefits for the following month entirely.
- As of the 18 June 2026 revision, Reward Points are now earned only on spends up to your assigned credit limit per billing cycle, and the movie BOGO benefit now additionally requires ₹20,000 spend in the previous calendar month- both new restrictions to factor in.
Card24.ai review of the IDFC FIRST Mayura Credit Card is based on official idfcfirst.bank.in data and verified aggregators as of July 2026, including the 18 June 2026 revision to reward and movie-benefit terms. No keyword optimisation was applied to this content, as no keyword research file was provided for this card. Reward rates, lounge conditions, and fee terms are subject to change- verify current details at idfcfirst.bank.in before applying.
Credit Card Achievers - IDFC FIRST Mayura
Is the IDFC FIRST Mayura Credit Card Worth It in 2026?
The IDFC FIRST Mayura Credit Card is worth its ₹5,999 fee mainly for high spenders who travel internationally and can consistently cross ₹20,000 in monthly spend. Zero forex markup, 16 domestic and 16 international lounge visits a year, and complimentary golf make it a genuinely strong travel companion- but the complete absence of a fee waiver option means casual users will find it hard to justify the cost.
Beyond travel perks, the card offers a genuinely useful insurance suite- ₹1 crore air accident cover, ₹10 lakh personal accident cover, ₹50,000 trip cancellation protection- plus a Postcard hotels discount, Mastercard World Privileges hotel membership, and annual milestone bonuses of 7,500 to 15,000 Reward Points that partially offset the fee for consistent high spenders. A 12,000 Reward Point welcome benefit and 20%/10% booking bonuses on hotels and flights via the IDFC FIRST app round out a genuinely well-featured, if expensive, package.
That said, nearly every meaningful benefit- lounge access, golf, and the movie BOGO offer- requires ₹20,000 in monthly spend to unlock, and misses that threshold entirely if you fall short. Combined with reward rates that work out to a modest 0.83–1.67% value back at standard redemption, this card rewards a specific high-and-consistent spending pattern rather than general everyday use.
Beyond travel perks, the card offers a genuinely useful insurance suite- ₹1 crore air accident cover, ₹10 lakh personal accident cover, ₹50,000 trip cancellation protection- plus a Postcard hotels discount, Mastercard World Privileges hotel membership, and annual milestone bonuses of 7,500 to 15,000 Reward Points that partially offset the fee for consistent high spenders. A 12,000 Reward Point welcome benefit and 20%/10% booking bonuses on hotels and flights via the IDFC FIRST app round out a genuinely well-featured, if expensive, package.
That said, nearly every meaningful benefit- lounge access, golf, and the movie BOGO offer- requires ₹20,000 in monthly spend to unlock, and misses that threshold entirely if you fall short. Combined with reward rates that work out to a modest 0.83–1.67% value back at standard redemption, this card rewards a specific high-and-consistent spending pattern rather than general everyday use.
Best For: High-income international travelers who can consistently spend ₹20,000+ monthly and want zero forex markup with strong lounge access.
IDFC FIRST Mayura Credit Card Benefits
How to Get Maximum Value from Your IDFC FIRST Mayura Credit Card
Since lounge access, golf privileges, and the movie BOGO offer all require ₹20,000 in card spend that specific month, plan larger planned purchases- insurance premiums, bill payments, big-ticket shopping- around months when you know you'll travel or want lounge access, rather than spreading spend evenly.
Route flight and hotel bookings through the 'Travel & Shop' section of the IDFC FIRST app to earn 20% bonus points on hotels and 10% on flights, and to unlock the ₹0.50/RP travel redemption rate- double the standard ₹0.25 value- on points you later redeem for travel.
Prioritise this card for every foreign currency transaction- the 0% forex markup alone can save 2-3.5% compared to most other Indian cards, and international spends above ₹20,000/month also qualify for the 10X accelerated reward tier at the same time.
Keep an eye on your cumulative annual spend against the ₹8 lakh and ₹15 lakh milestone thresholds- hitting either one delivers a meaningful Reward Point bonus that helps offset the ₹5,999 fee, which otherwise has no waiver option at all.
Plan your complimentary golf rounds and lounge visits around confirmed travel dates each month, since both are tied to that month's ₹20,000 spend threshold and don't carry over if unused. Coordinate bookings through the card's concierge service where available.
Route flight and hotel bookings through the 'Travel & Shop' section of the IDFC FIRST app to earn 20% bonus points on hotels and 10% on flights, and to unlock the ₹0.50/RP travel redemption rate- double the standard ₹0.25 value- on points you later redeem for travel.
Prioritise this card for every foreign currency transaction- the 0% forex markup alone can save 2-3.5% compared to most other Indian cards, and international spends above ₹20,000/month also qualify for the 10X accelerated reward tier at the same time.
Keep an eye on your cumulative annual spend against the ₹8 lakh and ₹15 lakh milestone thresholds- hitting either one delivers a meaningful Reward Point bonus that helps offset the ₹5,999 fee, which otherwise has no waiver option at all.
Plan your complimentary golf rounds and lounge visits around confirmed travel dates each month, since both are tied to that month's ₹20,000 spend threshold and don't carry over if unused. Coordinate bookings through the card's concierge service where available.
IDFC FIRST Mayura Credit Card Annual Fees
| Joining Fee | ₹5,999 + GST, no waiver available |
| Annual Membership Fee | ₹5,999 + GST per year- no waiver at any spend level |
| Earn Rate- Spend Tiers | 5 RP/₹150 (0.83%) up to ₹20,000/month | 10 RP/₹150 (1.67%) above ₹20,000/month | 3 RP/₹150 on rent, wallet loads, education, government |
| Forex Markup | 0%- zero forex markup on all foreign currency transactions |
IDFC FIRST Mayura Credit Card Eligibility & Documents
Age 21-65 years
Minimum annual income A minimum annual income of ₹25 Lakhs (LPA) and above.
Documents required PAN card · Aadhaar, Passport, Driving Licence or Voter ID · Income proof: salary slips
Residency Indian residents
Applying when ineligible creates a hard credit inquiry that may lower your CIBIL score. Verify your eligibility before applying.
How to Apply for IDFC FIRST Mayura Credit Card
The application process is entirely online and takes about 5-7 minutes.
1
Application Process - Visit idfcfirst.bank.in/credit-card/metal-credit-card/mayura and click 'Apply Now', or visit your nearest IDFC First Bank branch
2
Fill Personal Details - Fill in your personal, employment, and income details as part of the digital or physical application form
3
Documents Required - Submit KYC documents: PAN, Aadhaar/Passport, income proof, and address proof, along with the completed application
*T&C Apply
Frequently Asked Questions
The IDFC FIRST Mayura Credit Card is a premium metal credit card from IDFC First Bank, designed for high spenders and frequent international travllers. It carries a ₹5,999+GST joining and annual fee with no waiver option, earns up to 10 Reward Points per ₹150 on high monthly spend, and offers zero forex markup, 16 domestic plus 16 international airport lounge visits per year, and complimentary golf privileges. It's issued on the Mastercard World or Visa Infinite network.
The IDFC FIRST Mayura Credit Card charges ₹5,999+GST as both the joining fee and the annual fee, with no waiver option available at any spend level- unlike most premium cards that offer at least a high-spend waiver path. The joining fee must be paid upfront before the physical metal card is dispatched, and the annual fee is charged again every renewal year without exception.
Yes. The card offers 16 complimentary domestic and 16 complimentary international airport lounge visits per year (4 of each per quarter), including 1 domestic guest visit per quarter, plus 16 railway lounge visits annually. However, access requires a minimum ₹20,000 spend on the card in that specific month- it is not automatically available regardless of spend.
The IDFC FIRST Mayura Credit Card earns 5 Reward Points per ₹150 (0.83% value back) on monthly spends up to ₹20,000, and 10 Reward Points per ₹150 (1.67% value back) on incremental spend above ₹20,000 in the same statement cycle. Standard redemption value is ₹0.25/RP, rising to ₹0.50/RP for travel bookings made via the IDFC FIRST app.