IDFC FIRST Mayura Credit Card (Metal)
Verified · August 26, 2026
5.0/5.0
Updated on August 26, 2026
🎖️Reward Rate
Base Rewards: 5X Reward Points per ₹150 (5X Reward Points on POS domestic spends up to ₹20,000 per month (1X = 1 pt / ₹150))
Overview
IDFC FIRST Mayura Credit Card (Metal) by IDFC FIRST Bank provides premium value tailored for Super Premium cardholders.
Rewards
Reward Type
Reward Points
Reward Rate
- • Base Rewards: 5X Reward Points per ₹150 (5X Reward Points on POS domestic spends up to ₹20,000 per month (1X = 1 pt / ₹150))
- • 10X Reward Points per ₹150 (10X Reward Points on all incremental spends above ₹20,000 per month & on birthday spends)
- • 10X Reward Points per ₹150 (10X Reward Points on all international online and POS transactions (Uncapped))
- • Accelerated Rewards: 0% Zero Forex Markup + 10X points on all international spends. 10X points on spends > ₹20,000/mo. 1 pt = ₹0.25, never expire with zero redemption charges.
- • Excluded Categories: Fuel, Insurance, EMI, Wallet loads
Welcome Benefit
10,000 bonus Reward Points (worth ₹2,500) upon payment of joining fee and spend of ₹30,000 within first 60 days of card setup; Qualification Criteria: Payment of joining fee and ₹30,000 spend within 60 days; Fulfillment Timeline: 30 days post criteria completion
Milestone Benefit
Spend ₹8 Lakhs (Annual): Annual renewal fee waiver of ₹5,999 + GST; Spend ₹20,000 (Monthly): 10X Reward Points on all additional monthly spends; Annual Fee Waiver: Spend ₹8,00,000 or more in preceding anniversary year for renewal fee waiver
Redemption
- • Redeem on Mayura travel and luxury portal at 1 pt = ₹0.25
- • Instant statement cash credit with no convenience fee
Benefits
- Domestic Airport Lounge: 4 per quarter (16 visits/year) + 2 complimentary domestic airport spa visits per quarter via Visa Infinite / Dreamfolks (Guest Access: Paid guest access)
- International Airport Lounge: 4 per quarter (16 visits/year) via Dreamfolks / Priority Pass via Dreamfolks Lounge Card (Guest Access: Paid guest access)
- Fuel Surcharge Waiver: 1% (Max waiver ₹500 per month)
- 0% Zero Forex Markup: Zero Foreign Currency Conversion Markup fee on all international purchases and overseas travel. (True 0% forex markup on all currencies worldwide) [Partners: Visa Infinite]
- Buy 1 Get 1 Free Movie Tickets: Buy 1 Get 1 free movie ticket on BookMyShow up to ₹500 (twice per calendar month). (Up to ₹500 off on 2nd ticket twice every month) [Partners: BookMyShow]
- Complimentary Golf Rounds: 2 complimentary golf rounds or lessons per month across top golf clubs in India. (Bookable via concierge desk) [Partners: Golftripz]
- Comprehensive Metal Insurance Package: Air accident cover of ₹1 Crore, lost baggage cover of $1,200, and comprehensive travel delay cover. (Air accident cover ₹1 Cr, Travel insurance $1,200, Zero lost card liability) [Partners: ICICI Lombard]
Things to Know Before you apply
IDFC FIRST Mayura Credit Card (Metal) Eligibility Criteria
- Age: 21–65 years
- Net Annual Income ₹24,00,000+ (Salaried / Self-Employed)
- Salaried & Self-Employed Individuals
- Resident Indian
Fees & Charges
| Particulars | Amount |
|---|---|
| Joining Fee | ₹5,999 |
| Annual Fee | ₹5,999 |
| Foreign Currency Mark-up Fee | 3.5% |
| Cash Advance Fee | Interest free ATM cash withdrawal up to 48 days (only ₹199 + GST transaction fee) |
Fee waiver: Spend ₹8,00,000 or more in preceding anniversary year for renewal fee waiver
PaisaSimple Review
Overall Rating
5.0/5What do we like about this card?
IDFC FIRST Mayura Credit Card (Metal) issued by IDFC FIRST Bank is one of India's leading credit cards for Super Premium spends, featuring competitive reward earning and verified travel perks.
Pros
- • Base Rewards: 5X Reward Points per ₹150 (5X Reward Points on POS domestic spends up to ₹20,000 per month (1X = 1 pt / ₹150))
- • 10X Reward Points per ₹150 (10X Reward Points on all incremental spends above ₹20,000 per month & on birthday spends)
- • 10X Reward Points per ₹150 (10X Reward Points on all international online and POS transactions (Uncapped))
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
Cons
- • Annual renewal fee of ₹5999
- • Reward exclusion on fuel purchases and wallet load transactions
Compare with Similar Cards
Rating
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Fee Details
Joining Fee
₹5,999
Annual/Renewal Fee
₹5,999
Joining Fee
₹4,999
Annual/Renewal Fee
₹4,999
Joining Fee
₹7,999
Annual/Renewal Fee
₹7,999
Welcome Benefit
- • 10,000 bonus Reward Points (worth ₹2,500) upon payment of joining fee and spend of ₹30,000 within first 60 days of card setup
- • Qualification Criteria: Payment of joining fee and ₹30,000 spend within 60 days
- • Fulfillment Timeline: 30 days post criteria completion
- • Welcome e-gift voucher worth ₹5,000 across top luxury brands (Bata/Hush Puppies, Pantaloons, Shoppers Stop, Yatra)
- • Qualification Criteria: Payment of annual joining fee within 30 days
- • Fulfillment Timeline: Sent via SMS/Email within 15 days of fee realization
- • Not shown as a distinct welcome benefit on the official page (only monthly milestone and birthday bonus disclosed)
Reward/Cashback Rate
- • Base Rewards: 5X Reward Points per ₹150 (5X Reward Points on POS domestic spends up to ₹20,000 per month (1X = 1 pt / ₹150))
- • 10X Reward Points per ₹150 (10X Reward Points on all incremental spends above ₹20,000 per month & on birthday spends)
- • 10X Reward Points per ₹150 (10X Reward Points on all international online and POS transactions (Uncapped))
- • Accelerated Rewards: 0% Zero Forex Markup + 10X points on all international spends. 10X points on spends > ₹20,000/mo. 1 pt = ₹0.25, never expire with zero redemption charges.
- • Excluded Categories: Fuel, Insurance, EMI, Wallet loads
- • Base Rewards: 2 Reward Points per ₹100 (2 Reward Points per ₹100 on all standard retail spends)
- • Accelerated Rewards: 5X Reward Points (10 RPs per ₹100) on Dining, Departmental stores and Grocery spends
- • Excluded Categories: Fuel, Wallet loads, Property tax and Govt payments
- • 5 Reward Points per ₹100 on Dining, International, Grocery & Departmental stores (capped at 5,000 points/statement cycle on dining)
- • 3 Reward Points per ₹100 on other merchant categories
- • 1 Reward Point per ₹100 on Insurance & Utility/Telecom (max 100 points per transaction)
Pros
- • Base Rewards: 5X Reward Points per ₹150 (5X Reward Points on POS domestic spends up to ₹20,000 per month (1X = 1 pt / ₹150))
- • 10X Reward Points per ₹150 (10X Reward Points on all incremental spends above ₹20,000 per month & on birthday spends)
- • 10X Reward Points per ₹150 (10X Reward Points on all international online and POS transactions (Uncapped))
- • Forex markup rate of 3.5%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Base Rewards: 2 Reward Points per ₹100 (2 Reward Points per ₹100 on all standard retail spends)
- • Forex markup rate of 1.99%
- • Airport lounge and lifestyle dining privileges
- • Value-packed milestone rewards on annual spend
- • Strong ₹2 Crore air accident cover and ₹15 Lakh credit shield
- • 8 domestic + 8 international lounge visits per year
- • 24x7 Global Concierge Service
- • Free-for-lifetime add-on cards
Cons
- • Annual renewal fee of ₹5999
- • Reward exclusion on fuel purchases and wallet load transactions
- • Annual renewal fee of ₹4999
- • Reward exclusion on fuel purchases and wallet load transactions
- • High ₹7,999 joining and annual fee
- • Forex markup fee nearly doubling from 1 October 2026 (1.99% → 3.49%)
- • Domestic lounge access conditional on ₹50,000 prior-quarter spend
- • Fuel surcharge waiver dropping to max ₹100/cycle from 1 October 2026