Premium travel
IDFC FIRST Mayura Credit Card
IDFC FIRST’s premium metal card: 0% forex markup, up to 16 domestic and 16 international lounge visits, buy-one-get-one movies and big bonuses on travel booked in the app.
Joining fee₹5,999 + GST
Annual fee₹5,999 + GST
Fee waiverNone
Top rewardBonus points on app travel
Lounge16 domestic + 16 international (spend-based)
Forex markup0%
Best for: Frequent travellers who spend ₹20,000+ every month and use lounges and the movie offer.
Rewards and cashback
| Where you spend | You earn | Limit |
|---|---|---|
| Hotels and flights in the IDFC FIRST app | 40 points per ₹150 on hotels, 25 on flights | Monthly bonus cap shared |
| Other spends up to ₹20,000 a month | 5 points per ₹150 (about 0.83%) | – |
| Spends above ₹20,000 a month, and on your birthday | 10 points per ₹150 (about 1.67%) | – |
| International spends | 5 points per ₹150 | – |
| Rent, education, government, wallet loads | 3 points per ₹150 | – |
| Insurance, utilities, railway, FASTag | 1 point per ₹150 | – |
| Fuel, EMI, cash advances | Nothing | – |
- 1 point = ₹0.25 as statement credit, or ₹0.50 on IDFC FIRST app travel.
- Points never expire, but none are given for a cycle where the minimum due is paid late.
- From 18 Jun 2026, points are earned only on spend up to your credit limit.
Benefits
Welcome benefit
- 12,000 points in three parts: on paying the fee, then on ₹20,000 spend in each of the 2nd and 3rd statement cycles.
Milestones
- 7,500 points on ₹8 lakh yearly spend and 7,500 more on ₹15 lakh, credited when the next fee is paid.
Travel and lounges
- Up to 16 domestic and 16 international lounge visits a year, with ₹20,000 spend in the previous month.
- 4 railway lounge visits a quarter.
- Trip cancellation cover up to ₹50,000, twice a year.
- ₹5,000 off a ₹25,000+ Postcard Hotels stay every quarter.
Fuel and forex
- 0% forex markup.
- 1% fuel surcharge waiver on ₹200 to ₹5,000, up to ₹300 a cycle.
Other perks
- Movies: buy one get one up to ₹500 off, twice a month on District (needs ₹20,000 spend in the previous month)
- Golf: up to 2 rounds or lessons a month
Fees and charges
| Joining fee | ₹5,999 + GST (₹7,079) |
|---|---|
| Annual fee | ₹5,999 + GST, no spend waiver |
| Forex markup | 0% |
| Redemption fee | ₹99 |
GST at 18% applies on fees. Banks change charges from time to time; the bank’s own terms are final.
Who can apply
- Salaried or self-employed
- Income proof needed; IDFC FIRST does not publish a minimum
You will usually need PAN, Aadhaar or address proof, and income proof (salary slips or ITR). A credit score of 750 or more improves your chances.
Pros and cons
What we like
- 0% forex markup
- Lots of lounge visits
- Monthly movie and golf benefits
Watch out for
- No fee waiver
- Most benefits need ₹20,000 spend every month
- International earn rate was cut in 2026
Recent changes
- 26 Oct 2026IDFC FIRST says international spends stop earning points on most of its cards.
- 18 Jun 2026Points only up to the credit limit; movie offer needs ₹20,000 spend in the previous month.
- 18 Jan 2026International earn cut from 10X to 5X.
Frequently asked questions
Is IDFC FIRST Mayura worth ₹5,999?
If you use the lounges, movie and golf benefits and spend ₹20,000 a month, the perks are worth far more than the fee. Light spenders lose most benefits.
Ready to apply for the IDFC FIRST Mayura Credit Card?Applying takes about 10 minutes online. Approval depends on the bank.
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Sources: CardAdvisor. Details checked on 22 Oct 2026. For information only, not financial advice; always read the bank’s most important terms (MITC) before applying.