Mayura Credit Card
A ₹5,999 metal card with no forex markup: 5 points per ₹150 on the first ₹20,000 of a statement cycle and on international spends, 10 above ₹20,000, 3 on rent, government, wallet and education, 1 on bills, insurance and rail (1 point = ₹0.25), with 4 domestic and 4 international lounge visits a quarter. Every figure below is copied from IDFC FIRST Bank’s own documents; open a figure’s source link to read it there. Official terms last checked 2026-10-16.
Fees and charges
| Joining fee | ₹5,999 plus GST Product page |
|---|---|
| Annual fee | ₹5,999 plus GST Product page |
| Annual fee waiver | None on record |
| GST on fees | As applicable (18% assumed in calculations) |
| Foreign-currency markup | None (0%) Product page |
| The joining fee is paid upfront before the metal card is sent. There is no spend-based waiver; the annual fee instead earns 7,500 points after ₹8 lakh, or 15,000 after ₹15 lakh, of spend in the previous card year. | |
| Reward redemption fee | ₹99 plus GST MITC |
Rewards
Reward points, ₹0.25 each when redeemed as stated Terms.
| Spend | Earns | Cap |
|---|---|---|
| 5 points per ₹150 on international spends (they count towards the ₹20,000 for 10X) | 5 points per ₹150 Terms | no cap on record |
| 3 points per ₹150 on rent, government, wallet loads and education | 3 points per ₹150 Terms | no cap on record |
| 1 point per ₹150 on FASTag, railways, insurance and utilities | 1 point per ₹150 Terms | no cap on record |
| 5 points per ₹150 on other spends up to ₹20,000 a statement cycle (10 per ₹150 above that, not modelled) | 5 points per ₹150 Terms | no cap on record |
Other spends earn 5 points per ₹150 on the first ₹20,000 of a statement cycle and 10 per ₹150 on the amount above it; CardWise counts 5 throughout, so heavy spenders earn more than shown. Rent, government, wallet, education, bills, insurance, rail and FASTag do not count towards the ₹20,000. Points never expire. UPI needs the FIRST Digital RuPay add-on card.
No rewards on
- Fuel (surcharge waiver applies), EMI and cash withdrawals Terms
Benefits
- Lounges: 4 domestic (including 1 guest visit) and 4 international airport lounge visits a quarter — ₹20,000 of spend in a calendar month unlocks visits in the next month Product page
- Fuel: 1% fuel surcharge waived on fills of ₹200 to ₹5,000, up to ₹300 a statement cycle Product page
- Welcome: 4,000 points when the joining fee is paid, and 4,000 more in each of the 2nd and 3rd statement cycles with ₹20,000 of spend (12,000 in all) Product page
- Milestone: 7,500 points on ₹8 lakh of spend in a card year, credited when the next annual fee is paid Product page
- Milestone: 15,000 points instead on ₹15 lakh of spend in a card year Product page
Also on this card
Quoted from IDFC FIRST Bank; not counted in the net value.
- Hotels booked in the IDFC FIRST app earn 30 bonus points per ₹150, flights 15 Terms
- Points are worth ₹0.50 on hotel and flight bookings in the IDFC FIRST app Product page
- Trip cancellation (CFAR) cover up to ₹50,000, twice a year Product page
- 4 golf rounds and 12 golf lessons a year Product page
- Buy 1 Get 1 movie tickets, up to ₹500 off, twice a month Product page
- 4 railway lounge visits a quarter Product page
- Air accident cover of ₹1 crore, personal accident cover of ₹10 lakh, lost-card cover of ₹50,000 Product page
- Little Emperors hotel club membership for a year (worth £299) Product page
Eligibility
The issuer does not publish its criteria on the pages read. Approval is its own decision.
Not published by IDFC FIRST Bank in the documents read
- eligibility criteria (income, age)
- the card network (the page names both Visa Infinite and Mastercard World privileges)
Where IDFC FIRST Bank’s documents differ, and what is used
- Card network: the product page lists both "VISA Infinite Privileges" (calling it "your VISA Infinite card") and "Mastercard World Privileges" for this card, so the network is left out.
- Golf: one section gives 4 rounds and 12 lessons a year under Mastercard World privileges; another unlocks one round or lesson a month per ₹20,000 of spend in the previous statement cycle.
The quotes behind the figures
42 figures, each copied from an official IDFC FIRST Bank document.
Show every quote and source
“Joining fee: ₹5,999+GST and Annual Fee: ₹5,999+GST (2 nd year onwards)”
“The Mayura Credit Card comes with a Joining Fee of ₹5,999 + GST and an Annual Fee (applicable from second card anniversary year) of ₹5,999 + GST.”
“Experience global luxuries seamlessly with 0% foreign exchange markup on international transactions.”
“1 Reward Point = 0.25 everywhere else”
“5 reward points per 150 on international transactions with eligible international transactions”
“3 reward points per 150 on Rent, Government, Wallet Load and Education”
“1 reward point per 150 on Fastag, Railways, Insurance and Utilities”
“5 reward points per 150 on eligible spends up to 20,000 in a statement cycle.”
“10 reward points per 150 on eligible incremental spends above 20,000 in a statement cycle.”
“Transactions whose value is below 150.”
“Reward points will not be given on spends converted to EMI, Cash Withdrawal, Fuel, Fee and Charges.”
“Fuel transactions (Fuel Surcharge waiver will be provided)”
“Experience luxury dining at its finest—handpicked restaurants, bespoke menus, and priority access await you with your VISA Infinite card.”
“Indulge in unparalleled luxury with the Mayura Credit Card's Mastercard World Privileges.”
“Upfront payment of Joining Fee + GST required for dispatch of metal credit card the fee is non-refundable.”
“The Mayura Credit Card provides ZERO forex markup.”
“Markup Charges on Foreign currency transactions and NIL Dynamic & Static Currency Conversion Transactions**”
“Rewards will be earned for spends up to your credit limit per billing cycle. Additional spends beyond”
“The Mayura Credit Card provides the benefit of never-expiring reward points.”
“Earn 12,000 Reward Points worth up to ₹6,000”
“2. Spend minimum 15,00,000 in the previous card anniversary year and get 15,000 Reward Points”
“- 4 complimentary visits per quarter to global airport lounges.”
“The lounge benefit can be availed in the next calendar month by spending ₹20,000 or more in the current calendar month.”
“Unlock a golf round/lesson per month on spending ₹20,000 and ₹40,000, respectively in the previous statement cycle.”
“Flights 15 reward points”
“Get comprehensive travel insurance coverage up to USD 1200.”
“Mayura Credit Card now powered for UPI”
“3 reward points per 150 spent on UPI transactions valued above 2,000.”
“Reward Redemption Fee `99 per redemption transaction*”
“4 complimentary visits to Indian airport lounges including 1 guest visit and 4 complimentary visits to global airport lounges”
“Avail 1% Fuel Surcharge Waiver up to ₹300 in a statement cycle at all fuel stations across India on transactions between ₹200 & ₹5,000.”
“4,000 reward points on successful payment of the joining fee.”
“You will receive 7,500 reward points when you cross ₹8,00,000 in spends or 15,000 reward points when you cross ₹15,00,000 in spends in a card anniversary year.”
“Hotel 30 reward points”
“Each reward point is worth ₹0.50 when you redeem them for hotel and flight bookings via “FIRST Rewards Gallery” section on IDFC FIRST Bank Mobile App.”
“Get reimbursed for non-refundable flight and hotel cancellations by up to ₹50,000, twice a year.”
“Enjoy 4 complimentary golf rounds and 12 complimentary golf lessons a year across the globe”
“Avail a buy one get one free offer on Movie Tickets with up to ₹500 off on the second ticket, twice in a calendar month.”
“Get 4 complimentary railway lounge visits per quarter across India.”
“Air Accident Cover of ₹1 Crore, Personal Accident Cover of ₹10,00,000 and Lost Card Liability Cover of ₹50,000.”
“Enjoy a complimentary 1-year Travel Tier membership worth £299 per year at Little Emperors, providing access to exclusive rates and benefits at over 5,000 hotels worldwide.”
“Mayura Metal Credit Card The Concept Apply now”
Terms change, sometimes without notice. Read the issuer’s current terms before applying. CardWise has no affiliate arrangement with IDFC FIRST Bank or any issuer. Issuer names and logos belong to their owners and are shown only to identify each card’s issuer; CardWise is not affiliated with any issuer. The logo is IDFC FIRST Bank’s own file from its website, unaltered, fetched 2026-10-15. Methodology