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.
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 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 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
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.
No annual fee waiver is provided. However, you can earn:
7,500 reward points worth Rs. 1,875 on annual spends of Rs. 8 Lakh.
15,000 reward points worth Rs. 3,750 on annual spends of Rs. 15 Lakh.
IDFC FIRST Bank
Airport Lounge Access
Reward
Travel
