IDFC FIRST Mayura Credit Card
IDFC FIRST Bank · Visa
Why this card?
- 13.33% back in reward points on travel at Idfcapp; 0.83% on other spends
- ₹5,999 joining and annual fee; renewal fee waived on ₹4 lakh yearly spend
- 16 domestic and 16 international airport lounge visits a year
- Zero forex markup and 1% fuel surcharge waiver
Card details
- Issuer
- IDFC FIRST Bank
- Network
- Visa
- Annual Fee
- ₹5,999
- Joining Fee
- ₹5,999
- Reward Type
- points
- Best Reward Rate
- 13.33% on travel at idfcapp
- Forex Markup
- Zero
- Domestic Lounge
- 16/yr
- Min. Monthly Income
- ₹80,000
- Rates verified
- 2026-10-06
Our verdict
IDFC FIRST Mayura is a metal Visa premium card from IDFC's upper range, with a 0% forex markup and 16 domestic plus 16 international lounge visits a year. Spends earn 5X points (about 0.83% back) up to ₹20,000 per statement cycle and 10X (about 1.67%) above that, with 5X on international spends and much higher rates on hotels and flights booked via the IDFC app. The fee is ₹5,999 a year, waived at ₹4 lakh annual spend.
Pros
- 0% forex markup
- 16 domestic and 16 international lounge visits a year
- 5X points up to ₹20,000 per cycle and 10X above that, with 5X on international spends
- Up to about 13.33% back on hotels and 8.33% on flights booked via the IDFC app
Cons
- ₹5,999 fee with ₹4L waiver spend — moderately high bar
- Top travel rates are limited to bookings through the issuer's app
- Points catalogue less rich than HDFC or Axis
- Utilities, insurance, railway and FASTag earn only 1X