IDFC FIRST Mayura Credit Card
Fees
₹5,999* Plus Applicable Taxes
Joining & annual
Reward Rate
Up to 10X reward points on monthly spends above ₹20,000; international/forex spends reduced from 10X to 5X, effective 18 Jan 2026; 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
16/yr (Domestic + International)
Recent changes
Our 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.
Reward limits
Checked 11 Oct 2026 · Bank terms
-
Reward points on all spends
Up to your credit limit per billing cycle
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; international/forex spend rewards were cut from 10X to 5X effective 18 Jan 2026
- High upfront annual maintenance card fee barrier of ₹5,999 with an absolute absence of a spend-based fee waiver
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
Spend milestone
Spend above ₹20,000 monthly: Triggers the accelerated 10X reward point multiplier mechanics across your retail transaction lines
Fees & Charges
Joining fee
₹5,999* Plus Applicable Taxes
Annual fee
₹5,999* Plus Applicable Taxes
No annual fee waiver is offered on this card
Interest rate
Subject to standard IDFC FIRST Bank premium tier interest rate structures
Late payment fee
Nil for balance up to ₹500; ₹750 for ₹501-₹5,000; ₹1,000 for ₹5,001-₹10,000; ₹1,300 for balance above ₹10,000.
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
Credit score & income
Good to Excellent (750+)
Frequently Asked Questions
Did IDFC FIRST Mayura's rewards change in 2026?
How many lounge visits does Mayura offer?
What's Mayura's effective value-back at maximum reward rate?
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;... | 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 |