IDFC FIRST Mayura Credit Card
Fees
₹5,999* Plus Applicable Taxes
Joining & AnnualReward Rate
Up to 10X reward points on monthly spends above ₹20,000; 1 Reward Point = ₹0.25
Welcome Bonus
12,000 Reward Points (4,000 on joining + 4,000 each on ₹20,000 spend in statement cycles 2 & 3) + up to ₹4,000 cashback on first 4 transactions within 60 days
Lounge Access
16/yr (Domestic + International)
FindMyCard Expert Take
IDFC FIRST Mayura's strongest features are structural rather than promotional: zero forex markup, 16 complimentary international lounge visits a year, and a 10X reward multiplier that kicks in once you cross ₹20,000 in monthly spend. It's a solid pick for frequent international travelers who spend consistently rather than in bursts.
Pros & Cons
Key Advantages
- Premium metal card design offering high status value
- Zero foreign exchange markup fee applied on international spends
- Generous international airport lounge policy providing 16 complimentary visits per year
- Accelerated 10X reward point multiplier easily unlocked via a ₹20,000 monthly spend threshold
Limitations
- Low cash conversion reward redemption parity threshold set at 1 point = ₹0.25
- Low net effective value-back yield of just 1.66% even at the maximum 10X reward point accumulation rate
- High upfront annual maintenance card fee barrier of ₹5,999 with an absolute absence of a spend-based fee waiver
Editorial Verdict
The IDFC FIRST Mayura Credit Card is ideally suited for high-income individuals, frequent international travel, and airport lounge access. If you want up to 10x reward points on monthly spends above ₹20,000; 1 reward point = ₹0.25, this card delivers real value. The ₹5,999* plus applicable taxes is easily offset by the card's perks if you use it regularly. You'll generally need Good to Excellent (750+) credit to be approved.
Key Perks & Spending Milestones
Up to 10X reward points accrued on cumulative monthly retail spending surpassing the ₹20,000 benchmark
Standard redemption value baseline where 1 Reward Point = ₹0.25 inside the statement settlement catalog
Absolute 0% Foreign Currency Exchange transaction markup fees layered natively on cross-currency international spends
16 complimentary international airport lounge terminal access visits per calendar year
Welcome benefit cashback package and ongoing renewal cycle bonus points designed to offset the cost of the fee
🚀 Milestone Spends Timeline
Spend above ₹20,000 monthly: Triggers the accelerated 10X reward point multiplier mechanics across your retail transaction lines
Fees & Charging Rates
Annual Fee Waivers
₹5,999* Plus Applicable Taxes
💡 No annual fee waiver is offered on this card
Regular Interest Charges
Subject to standard IDFC FIRST Bank premium tier interest rate structures
📅 Late Payment Fee Penalty Tiers
Insurance & Protection Benefits
Eligibility Criteria
age
21 to 65 years
employment profiles
High-income Salaried and Self-Employed Profiles, targeted at premium asset network clients
Compare IDFC FIRST Mayura Credit Card With Similar Cards
| Card | Annual Fee | Reward Rate | Lounge Access | Rating |
|---|---|---|---|---|
| IDFC FIRST Mayura Credit Card This Card | ₹5,999* Plus Applicable Taxes | Up to 10X reward points on monthly spends above ₹20,000; 1 Reward... | 16/yr (Domestic + International) | 3.0/5 |
| HDFC Infinia Credit Card Metal Edition | ₹12,500 + Taxes | 5 reward points per ₹150; up to 10X on SmartBuy flight/hotel bookings | Unlimited Domestic + International | 4.9/5 |
| Axis Bank ATLAS Credit Card | ₹5,000 + Taxes | 5 EDGE Miles per ₹100 on travel; 2 EDGE Miles per ₹100 on general spends | 8 Domestic + 4 International/yr | 4.8/5 |
| Axis Bank Burgundy Private Credit Card | ₹50,000 + Taxes | 15 EDGE Reward points per ₹200 spent on retail and international... | Unlimited Domestic + International | 4.8/5 |