IDFC First Bank Mayura Credit Card
IDFC FIRST Bank IDFC FIRST Bank

IDFC First Bank Mayura Credit Card

/assest/image/icons/lounge-access.svg Airport Lounge Access
/assest/image/icons/rewards.svg Reward Points
/assest/image/icons/travel.svg Travel
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Joining Fee: ₹5999* Plus Applicable Taxes

Renewal Fee: ₹5999*Plus Applicable Taxes

Airport Lounge Access Airport Lounge Access
Reward Points Reward Points
Travel Travel
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Joining Fee: ₹5999* + Tax

Renewal Fee: ₹5999* + Tax

Welcome benefits:- Get ₹4,000 cashback on 4 spends of ₹1,000+ and 5,000 bonus reward points on card delivery.

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About The Card Rewards Program Features & Benefits Fees & Charges Thinks We Know FAQs

About IDFC First Bank Mayura Credit Card

IDFC FIRST Mayura Credit Card is a premium metal card offering benefits across travel, dining, shopping, and more. It rewards high spenders with up to 10X reward points on monthly spends above ₹20,000. However, with a low reward redemption value of ₹0.25 per point, the effective cashback is just 1.66%, which is modest for a card with a ₹5,999 annual fee and no waiver.

Despite this, the card makes up with strong travel perks like zero forex markup, complimentary lounge access (domestic & international), trip cancellation cover, and travel insurance. Lifestyle benefits such as free golf rounds, movie ticket offers, and cashback welcome bonus add extra value, making it a good all-rounder for frequent travelers and premium users.

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 Bank Mayura Credit Card Rewards Program

Rewards Program:

  • Earn 10X reward points on monthly spends above ₹20,000 and on birthday spends
  • Earn 5X reward points on monthly spends below ₹20,000
  • Earn 3X reward points on spends of ₹2,000+ via FIRST Digital Credit Card, rent, wallet load, education, and government spends
  • Earn 1X reward point on spends below ₹2,000 via FIRST Digital Credit Card, utilities, and insurance spends
  • 1 reward point for every ₹150 spent
  • Redeem reward points at ₹0.25 per point

Other Features and Benefits

Welcome Benefits

  • Get ₹4,000 cashback on 4 spends of ₹1,000+ within 60 days of card generation
  • Receive 5,000 bonus reward points on successful delivery of Mayura Credit Card

Travel Benefits

  • Zero forex markup fee
  • Up to 16 complimentary domestic airport lounge and spa visits annually (max 4 per quarter), including 1 guest visit
  • Up to 16 complimentary international lounge visits annually (max 4 per quarter)
  • Up to 16 complimentary railway lounge visits at select terminals annually (max 4 per quarter)
  • Guest access allowed for railway lounges using cardholder’s quota

Free Trip Cancellation Protection

  • Reimbursement of non-refundable flight & hotel cancellations up to ₹50,000, twice a year

Hotel Benefits

  • ₹5,000 discount on a minimum booking of ₹25,000 at The Postcard hotels and resorts in India, once per quarter

Golf Benefits

  • Up to 24 golf rounds/lessons annually, max 2 per month
  • 1st round/lesson on ₹20,000 monthly spend; 2nd on ₹40,000 spend

Movie Benefit

  • Get up to ₹500 off on the 2nd movie ticket twice a month on BookMyShow

Milestone Benefits

  • Earn 7,500 reward points on ₹8L annual spend or 15,000 points on ₹15L spend

Fuel Surcharge Waiver

  • 1% waiver up to ₹300/month on fuel spends between ₹200 and ₹5,000

MasterCard World Privileges

  • Dining discounts at 350+ restaurants via Mastercard Culinary Club
  • 4 complimentary golf rounds and 12 lessons every year

Comprehensive Insurance Benefits

  • Air accident cover: ₹1 Crore
  • Personal accident cover: ₹10 Lakh
  • Lost card liability cover: ₹50,000
  • Checked-in baggage loss: USD 500
  • Baggage delay: USD 100
  • Flight delay & document loss: USD 300 each
  • Roadside assistance worth ₹1,399

Fees and Charges

Fee TypeAmount
Joining FeeRs. 5,999 + Applicable Taxes
Annual FeeRs. 5,999 + Applicable Taxes
Finance Charges0.75% to 3.99% p.m. (9% to 47.88% p.a.)
Late Payment Charges15% of total amount due as per the previous statement minus any payments received before the due date (subject to a min. of Rs. 100)

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

Eligibility Criteria

  • Age: 21 to 70 years
  • Occupation: Salaried or Self-employed
  • Credit Score: Should have a good credit history

Document Required For IDFC First Bank 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

IDFC First Bank Mayura Credit Card Hilights

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.

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
     

Frequently Asked Questions

Everything you need to know about this credit card

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.

  1. No annual fee waiver is provided. However, you can earn:
  2. 7,500 reward points worth Rs. 1,875 on annual spends of Rs. 8 Lakh.
  3. 15,000 reward points worth Rs. 3,750 on annual spends of Rs. 15 Lakh.

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