IDFC FIRST Mayura Credit Card is a premium metal credit card with zero forex markup, up to 60X reward points, travel redemption value of ₹0.50 per point, airport lounge access, golf benefits, movie offers, and trip cancellation cover. We review fees, rewards, hidden conditions, and Benchmarksutra score.
Quick Verdict
IDFC FIRST Mayura Credit Card is a strong premium metal travel card for users who can actively use zero forex markup, hotel and flight reward acceleration, travel redemptions, lounge access, golf benefits, and movie offers. But the ₹5,999 + GST annual fee, no annual fee waiver, spend-linked benefits, and app-linked reward value make it unsuitable for casual or low-spend users.
Pros
- Premium metal card positioning
- Zero forex markup on international transactions
- Up to 60X reward points headline on selected travel bookings
- 50X bonus reward points on hotel bookings via IDFC FIRST Bank app
- 30X bonus reward points on flight bookings via IDFC FIRST Bank app
- Up to 10X reward points on eligible incremental spends above ₹20,000 in a statement cycle
- 1 Reward Point = ₹0.50 on travel redemptions
- 4 domestic airport lounge visits per quarter
- 4 international lounge visits per quarter
- 4 domestic railway lounge visits per quarter
- Domestic airport lounge benefit includes 1 guest visit per quarter
- Up to 24 complimentary golf rounds or lessons per year
- Buy 1 Get 1 movie offer up to ₹500 twice a month
- Trip cancellation cover up to ₹50,000, twice a year
- 24/7 roadside assistance benefit
Cons
- Joining fee is ₹5,999 + GST
- Annual fee is ₹5,999 + GST
- No annual fee waiver
- Lounge access requires ₹20,000 current-calendar-month spend for next-month access
- Golf benefits require ₹20,000 or ₹40,000 spends depending on benefit level
- Best reward value is linked to travel redemption via IDFC FIRST Bank app
- Reward value drops to ₹0.25 on regular redemption
- Reward redemption fee of ₹99 + GST applies
- Some categories earn only 1X or 3X reward points
- Rewards are limited up to credit limit spends in a billing cycle
- Not ideal for simple cashback users
- Not suitable for users who do not travel
Best For
Premium travellers, international spenders, hotel and flight bookers, lounge users, golf users, movie-goers, and users who redeem reward points for travel through the IDFC FIRST Bank app.
Avoid If
Avoid if you want simple cashback, lifetime-free pricing, low annual fees, broad rewards on every spend, or do not want to track lounge, golf, movie, redemption, and reward exclusion conditions.
IDFC FIRST Mayura Credit Card Review
Premium metal credit card with zero forex markup, up to 60X reward points, travel redemption value, lounge access, golf benefits, movie offers, and Benchmarksutra Score.
Quick Verdict
IDFC FIRST Mayura Credit Card is a premium metal credit card for travel and lifestyle users.
It is useful if you want:
- zero forex markup
- premium metal card experience
- hotel and flight booking rewards
- airport lounge access
- golf benefits
- movie offers
- travel redemption value
- insurance and roadside assistance privileges
But this is not a simple cashback card.
The card has a ₹5,999 + GST joining fee and ₹5,999 + GST annual fee.
There is no annual fee waiver.
The strongest reward value comes when points are redeemed for travel through the IDFC FIRST Bank app.
Benchmarksutra Score: 81/100 — A Tier
What Is IDFC FIRST Mayura Credit Card?
The IDFC FIRST Mayura Credit Card is a premium metal credit card from IDFC FIRST Bank.
It is designed for users who want a premium travel and lifestyle card with benefits such as:
- zero forex markup
- up to 60X reward points on selected travel bookings
- strong hotel and flight reward acceleration
- travel redemption value of ₹0.50 per reward point
- domestic airport lounge access
- international airport lounge access
- domestic railway lounge access
- golf rounds and lessons
- movie offers
- trip cancellation cover
- roadside assistance
- premium metal card experience
This is not a beginner cashback card.
Mayura works best when the user can use international spends, travel redemptions, lounge access, golf, movies, and premium lifestyle benefits.
The card has a ₹5,999 + GST joining fee and ₹5,999 + GST annual fee.
There is no annual fee waiver, so the card must justify itself through actual benefits and reward value.
If you are new to card comparisons, first read How to Compare Credit Cards in India.
Official source used for this review:
https://ww2.idfcfirst.bank.in/credit-card/metal-credit-card/mayura
Reviewed Card
| Field | Content |
|---|---|
| Badge | Reviewed Card |
| Product Name | IDFC FIRST Mayura Credit Card |
| Approx Price | ₹5,999 + GST joining fee / ₹5,999 + GST annual fee |
| Button Text | Check Details |
Specs
| Label | Value |
|---|---|
| Benchmarksutra Score | 81/100 |
| Grade | A Tier |
| Card Type | Premium metal travel and lifestyle credit card |
| Joining Fee | ₹5,999 + GST |
| Annual Fee | ₹5,999 + GST |
| Annual Fee Waiver | Nil |
| Forex Markup | Zero |
| Travel Redemption Value | 1 RP = ₹0.50 |
| Regular Redemption Value | 1 RP = ₹0.25 |
| Domestic Airport Lounge | 4 visits per quarter |
| International Lounge | 4 visits per quarter |
| Railway Lounge | 4 visits per quarter |
| Golf Benefit | Up to 24 rounds or lessons per year |
| Movie Offer | BOGO up to ₹500 twice a month |
| Best For | Premium travel and international spend users |
| Main Strength | Zero forex + travel rewards + lounge/golf benefits |
| Main Weakness | No annual fee waiver and multiple benefit conditions |
Advantages
| Advantage |
|---|
| Premium metal card positioning |
| Zero forex markup |
| Up to 60X reward points on selected travel bookings |
| 50X bonus reward points on hotel bookings via app |
| 30X bonus reward points on flight bookings via app |
| 1 RP = ₹0.50 on travel redemptions |
| Airport, railway and international lounge access |
| Golf and movie benefits |
Challenges
| Challenge |
|---|
| ₹5,999 + GST joining fee |
| ₹5,999 + GST annual fee |
| No annual fee waiver |
| Lounge access needs monthly spend activation |
| Golf benefit has spend conditions |
| Best value depends on app-linked travel redemption |
| Reward value drops outside travel redemption |
IDFC FIRST Mayura Credit Card: Fees and Charges
| Fee / Charge | Amount / Rule |
|---|---|
| Joining Fee | ₹5,999 + GST |
| Annual Fee | ₹5,999 + GST |
| Annual Fee Waiver | Nil |
| Add-on Metal Card Joining Fee | ₹4,000 + GST |
| Add-on Plastic Card Joining Fee | ₹3,000 + GST |
| Add-on Annual Fee | ₹2,000 + GST |
| Joining Fee Payment Benefit | Up to 12,000 reward points for eligible new cards |
| Annual Fee Payment Benefit | 7,500 RP on ₹8 lakh spends OR 15,000 RP on ₹15 lakh spends |
| Forex Markup | Zero |
| Reward Redemption Fee | ₹99 + GST |
| Fuel Surcharge Waiver | 1% waiver up to ₹300 per statement cycle |
| ATM Cash Withdrawal Fee | ₹199 + GST |
| ATM Cash Withdrawal Interest | Interest-free up to 45 days if repaid by due date |
| Maximum ATM Withdrawal Per Transaction | ₹10,000 |
| Trip Cancellation Cover | Up to ₹50,000, twice a year |
| Roadside Assistance | 24/7 roadside assistance |
The annual fee is high enough that Mayura should not be treated as a casual lifestyle card.
Read Credit Card Fees Explained in India before judging the fee only by headline benefits.
Reward Structure
| Spend Category | Reward Rate | Regular Value | Travel Value |
|---|---|---|---|
| Offline spends | 5 RP per ₹150 | 0.8% | 1.66% |
| Online spends | 5 RP per ₹150 | 0.8% | 1.66% |
| Eligible incremental spends above ₹20,000 per statement cycle | 10 RP per ₹150 | 1.66% | 3.33% |
| Flight bookings via IDFC FIRST Bank app | 30 RP per ₹150 | 5% | 10% |
| Hotel bookings via IDFC FIRST Bank app | 50 RP per ₹150 | 8.3% | 16.66% |
| UPI via Digital RuPay card | 3 RP per ₹150 | 0.5% | 1% |
| Insurance and utilities | 1 RP per ₹150 | Lower value | Lower value |
| Rent, government, wallet load and education | 3 RP per ₹150 | Lower value | Lower value |
| Fuel | No reward points | No rewards | No rewards |
| EMI transactions | No reward points | No rewards | No rewards |
| Cash withdrawals | No reward points | No rewards | No rewards |
1 Reward Point is worth ₹0.25 on regular redemptions and ₹0.50 on travel redemptions.
For reward basics, read Credit Card Reward Points Explained.
Benchmarksutra Take
IDFC FIRST Mayura is a premium travel card, not a general cashback card.
Its strongest value comes from combining:
- zero forex markup
- travel redemption at ₹0.50 per point
- strong hotel and flight reward rates
- lounge access
- golf benefits
- movie offers
- premium metal card experience
But the card has real friction.
There is no annual fee waiver.
Lounge access needs monthly spends.
Golf benefits need spend-based unlocking.
The best reward value is travel-linked.
So Mayura works best for active travel and lifestyle users.
It is not a low-maintenance card.
Lounge Access
| Access Type | Access Method | Limit |
|---|---|---|
| Domestic Airport Lounge | Direct access | 4 visits per quarter |
| Domestic Railway Lounge | Direct access | 4 visits per quarter |
| International Lounge | DreamFolks | 4 visits per quarter |
| Domestic Guest Access | Included within domestic lounge benefit | 1 guest access per quarter |
A minimum monthly spend of ₹20,000 in the current calendar month is required to qualify for lounge access in the following month.
This means lounge access is not unconditional.
If you do not spend regularly on the card, the lounge benefit may not be available when you need it.
Golf Benefits
| Golf Benefit | Rule |
|---|---|
| Complimentary Golf Rounds / Lessons | Up to 2 per month |
| Annual Potential | Up to 24 complimentary golf rounds / lessons per year |
| Unlock 1 Round / Lesson | Spend ₹20,000 in billing cycle |
| Unlock 2 Rounds / Lessons | Spend ₹40,000 in billing cycle |
| Redemption Window | From 1st of next month |
| Validity | Up to 2 months / 60 days |
The golf benefit is useful only if you actually use golf rounds or lessons.
Do not assign full value to this benefit if you are not a golf user.
Movie and Lifestyle Benefits
| Benefit | What You Get | Important Condition |
|---|---|---|
| Movie Offer | Buy 1 Get 1 movie ticket offer | Up to ₹500, twice a month |
| Movie Condition | ₹20,000 previous-calendar-month spend | As per latest benefit update |
| Roadside Assistance | 24/7 roadside assistance | T&C apply |
| Trip Cancellation Cover | Up to ₹50,000 | Twice a year for eligible claims |
| Fuel Surcharge Waiver | 1% waiver up to ₹300 | Fuel transaction rules apply |
| Accident and Lost Card Liability Cover | ₹50,000 | T&C apply |
| Comprehensive Travel Insurance Cover | Up to USD 1,200 | T&C apply |
| Metal Card | Premium card experience | Useful for users who value card design/build |
| Online Redemption | Redeem rewards against online purchases | Not restricted only to catalogue |
The movie offer is strong on paper, but users should check current eligibility rules before relying on it.
Joining and Annual Fee Payment Benefits
| Benefit Type | What You Get | Condition |
|---|---|---|
| Joining Fee Payment Benefit | 4,000 reward points | On joining fee payment |
| Second Statement Cycle Benefit | 4,000 reward points | Spend over ₹20,000 in second statement cycle |
| Third Statement Cycle Benefit | 4,000 reward points | Spend over ₹20,000 in third statement cycle |
| Total Joining Benefit | Up to 12,000 reward points | For cards generated on or after 1 September 2025 |
| Old Welcome Benefit | ₹1,000 cashback up to 4 times | For cards generated till 31 August 2025 |
| Annual Fee Payment Benefit Option 1 | 7,500 RP, worth up to ₹3,750 on travel redemption | Spend ₹8 lakh in previous card anniversary year |
| Annual Fee Payment Benefit Option 2 | 15,000 RP, worth up to ₹7,500 on travel redemption | Spend ₹15 lakh in previous card anniversary year |
The joining benefit is not automatic full value.
To get the complete 12,000 reward points, you must pay the joining fee and meet the second and third statement cycle spend conditions.
Travel and Forex Benefits
| Benefit | What You Get | Practical Meaning |
|---|---|---|
| Forex Markup | Zero | Useful for international spends |
| Travel Redemption | 1 RP = ₹0.50 | Best reward value |
| Regular Redemption | 1 RP = ₹0.25 | Lower value outside travel |
| Hotel Bookings via App | 50 RP per ₹150 | Strongest reward zone |
| Flight Bookings via App | 30 RP per ₹150 | Strong travel use case |
| Airport Lounge Access | Domestic and international access | Spend condition applies |
| Railway Lounge Access | 4 visits per quarter | Useful for train travellers |
| Trip Cancellation Cover | Up to ₹50,000 twice a year | Useful for eligible hotel/flight cancellations |
| ATM Cash Withdrawal | Zero interest if repaid by due date | Withdrawal fee still applies |
Zero forex is one of the strongest reasons to consider Mayura.
But travel reward value depends on how you redeem points.
Reward Value Example
| Spend / Redemption Scenario | Reward / Benefit Value | Practical View |
|---|---|---|
| ₹30,000 regular online/offline spends | 5X/10X mix depending on threshold | Good if spends cross ₹20,000 |
| ₹30,000 international spends | Zero forex + reward value | Strong use case |
| ₹30,000 hotel booking via app | Up to 50 RP per ₹150 | Strongest reward zone |
| ₹30,000 flight booking via app | Up to 30 RP per ₹150 | Strong travel use case |
| ₹30,000 UPI via Digital RuPay card | 3 RP per ₹150 | Useful for UPI users |
| ₹30,000 utility/insurance spends | 1 RP per ₹150 | Weak reward category |
| ₹30,000 rent/government/wallet/education spends | 3 RP per ₹150 | Lower value |
| Regular redemption | 1 RP = ₹0.25 | Lower value |
| Travel redemption | 1 RP = ₹0.50 | Best value |
The card is strongest when points are redeemed for travel.
If you do not redeem for travel, the effective reward rate drops.
Annual Fee Recovery Math
| Annual Usage Pattern | Fee Recovery View | Reader Impact |
|---|---|---|
| Low annual spends | Fee is hard to justify | Avoid |
| Travel redemptions | Better point value helps recover fee | Good fit |
| Hotel and flight bookings via app | Strong reward earning | Strong fit |
| High international spends | Zero forex can recover value | Strong fit |
| Regular lounge usage | Adds practical value | Good fit if spend condition is met |
| Golf usage | Can add strong lifestyle value | Good fit for golf users |
| Movie usage | Adds value if spend condition is met | Moderate fit |
| Mostly utility/rent/insurance spends | Low reward value | Weak fit |
Mayura has no annual fee waiver.
So the card should be judged by whether travel rewards, zero forex, lounge access, golf, movie benefits, and lifestyle privileges together justify the annual fee.
Eligibility and Card Fit
IDFC FIRST Mayura Credit Card is not an entry-level card.
It is better suited for premium users with active travel and lifestyle usage.
The card is a better fit if you:
- spend internationally
- want zero forex markup
- redeem reward points for travel
- book hotels or flights via IDFC FIRST Bank app
- use airport lounge benefits
- use railway lounge benefits
- use golf benefits
- watch movies regularly
- value premium metal card positioning
It is a weaker fit if you want simple cashback, low fees, annual fee waiver, or broad rewards on every spend.
If your application is rejected, read Why Was My Credit Card Application Rejected?.
Key Benefits
1. Zero forex markup
Mayura offers zero forex markup.
This is one of its strongest benefits.
It is useful for international travel, foreign online subscriptions, overseas shopping, and foreign currency payments.
2. Premium metal card
The card is positioned as a premium metal card.
It has stronger lifestyle positioning than ordinary plastic cards.
3. Travel redemption value
Reward points are worth ₹0.50 on travel redemptions.
This is double the regular redemption value of ₹0.25 per point.
4. Strong hotel and flight rewards
Hotel bookings through IDFC FIRST Bank app can earn up to 50 RP per ₹150.
Flight bookings through IDFC FIRST Bank app can earn up to 30 RP per ₹150.
5. Lounge access
Mayura offers domestic airport, domestic railway, and international lounge benefits.
But lounge access needs monthly spend activation.
6. Golf benefits
The card offers up to 2 complimentary golf rounds or lessons every month, subject to spend conditions.
7. Movie offer
The card offers Buy 1 Get 1 movie tickets up to ₹500, twice a month.
8. Trip cancellation cover
The card offers free trip cancellation cover up to ₹50,000, twice a year.
9. Roadside assistance
Mayura includes 24/7 roadside assistance for emergencies while travelling.
10. Insurance privileges
Insurance privileges are subject to insurer terms and require conditions such as active-card usage and eligible claim documentation.
IDFC FIRST Mayura Credit Card: Pros and Cons
| Pros | Cons |
|---|---|
| Premium metal card positioning | Joining fee is ₹5,999 + GST |
| Zero forex markup | Annual fee is ₹5,999 + GST |
| 1 RP = ₹0.50 on travel redemptions | No annual fee waiver |
| Up to 50 RP per ₹150 on hotels via app | Lounge access has monthly spend condition |
| Up to 30 RP per ₹150 on flights via app | Golf benefit has spend conditions |
| 4 domestic airport lounge visits per quarter | Best value depends on travel redemption |
| 4 international lounge visits per quarter | Regular redemption value is only ₹0.25 per point |
| 4 railway lounge visits per quarter | Redemption fee applies |
| Golf and movie benefits | Some categories earn only 1X or 3X |
| Zero forex plus rewards on international spends | Rewards are limited up to credit limit spends |
Do Not Ignore the No-Fee-Waiver Problem
Mayura has strong benefits.
But it does not have an annual fee waiver.
That means the ₹5,999 + GST annual fee must be justified through actual usage.
The card makes sense if you use:
- zero forex
- travel redemptions
- lounge access
- golf benefits
- movie offers
- hotel and flight bookings via IDFC FIRST Bank app
If you do not use these benefits, the annual fee becomes difficult to justify.
Hidden Conditions to Check Before Applying
1. There is no annual fee waiver
Mayura has a ₹5,999 + GST annual fee with no annual fee waiver.
This makes benefit usage very important.
2. Lounge access is spend-linked
A minimum monthly spend of ₹20,000 in the current calendar month is required to qualify for lounge access in the following month.
3. Golf benefit is spend-linked
₹20,000 spends can unlock 1 golf round or lesson.
₹40,000 spends can unlock 2 golf rounds or lessons.
4. Best reward value is travel-linked
1 Reward Point = ₹0.50 only on travel redemptions.
Regular redemption value is ₹0.25 per point.
5. Reward redemption has charges and caps
Reward redemption fee is ₹99 + GST.
Redemption cap is 1.5 lakh points per month and 3 lakh points per year.
6. Some categories earn only 1X
Insurance and utilities earn 1 RP per ₹150.
7. Some categories earn only 3X
Rent, government, wallet load and education earn 3 RP per ₹150.
These categories are not part of 10X calculations.
8. Rewards are limited up to credit limit
Spends are rewarded only up to the credit limit in a billing month.
9. Some spends earn no reward points
No reward points are earned on fuel, EMI transactions, and cash withdrawals.
10. Travel and Shop usage matters
Flight and hotel bonus rewards require bookings through IDFC FIRST Bank app / Travel and Shop section.
11. Insurance covers are conditional
Insurance privileges may require active-card usage, eligible ticket purchase on the card, insurer approval, and claim submission within defined timelines.
For more examples, read Excluded Categories in Credit Cards.
Source note: This review uses the official IDFC FIRST Mayura Credit Card page as the official source reference.
Official URL: https://ww2.idfcfirst.bank.in/credit-card/metal-credit-card/mayura
Always check the latest bank page before applying because fees, rewards, exclusions, and offers can change.
Benchmarksutra Credit Card Score
| Scoring Category | Maximum Points | What it measures | Mayura Score |
|---|---|---|---|
| Reward Value | 20 | Real cashback, reward rate, reward caps, point value, milestone value | 18 |
| Fee Value | 15 | Joining fee, annual fee, waiver, breakeven spend, renewal value | 9 |
| Redemption Quality | 10 | Cashback, vouchers, miles, statement credit, expiry, redemption fees | 8 |
| Use–Case Fit | 15 | How well the card fits the specific article use case | 14 |
| Eligibility & Accessibility | 10 | Income requirement, approval difficulty, beginner access, upgrade path | 6 |
| Benefits & Perks | 10 | Lounge, dining, travel, movies, insurance, milestones, welcome benefits | 10 |
| Hidden Costs & Conditions | 10 | Forex, rent charges, wallet rules, exclusions, caps, devaluation risk | 7 |
| Bank & User Experience | 10 | App, support, dispute handling, card controls, bank reliability | 9 |
| Total Benchmarksutra Score | 100 | Final card score | 81/100 |
For scoring logic, read Benchmarksutra Credit Card Score Explained and How We Review Credit Cards at Benchmarksutra.
Score Grade Explanation
| Score | Grade | Meaning |
|---|---|---|
| 90–100 | S Tier | Strong card with high value and manageable conditions |
| 80–89 | A Tier | Good card for most eligible users |
| 70–79 | B Tier | Useful, but with trade-offs |
| 60–69 | C Tier | Works only for a specific user type |
| Below 60 | Avoid unless niche use case | Not recommended for most users |
IDFC FIRST Mayura Credit Card scores 81/100, placing it in A Tier.
That means it is a good card for most eligible users.
But eligible users matter here.
Mayura is good for premium travel users who use zero forex, travel redemption, lounge access, golf, hotel bookings, flight bookings, and movie offers.
It is not ideal for users who want simple cashback or a low-fee card.
Key Numbers
| Stat | Value |
|---|---|
| Benchmarksutra Score | 81/100 |
| Grade | A Tier |
| Joining Fee | ₹5,999 + GST |
| Annual Fee | ₹5,999 + GST |
| Annual Fee Waiver | Nil |
| Forex Markup | Zero |
| Regular Redemption Value | 1 RP = ₹0.25 |
| Travel Redemption Value | 1 RP = ₹0.50 |
| Hotels via App | Up to 50 RP per ₹150 |
| Flights via App | Up to 30 RP per ₹150 |
| Domestic Airport Lounge | 4 visits per quarter |
| International Lounge | 4 visits per quarter |
| Railway Lounge | 4 visits per quarter |
| Movie Offer | BOGO up to ₹500 twice a month |
| Golf Benefit | Up to 2 rounds / lessons per month |
Who Should Get This Card?
| Good Fit If |
|---|
| You want a premium metal credit card |
| You spend internationally |
| You want zero forex markup |
| You redeem points for travel |
| You use IDFC FIRST Bank app for hotel and flight bookings |
| You use airport and railway lounge benefits |
| You play golf or want golf lessons |
| You watch movies regularly |
| You can justify the ₹5,999 + GST annual fee without a waiver |
Who Should Avoid This Card?
| Avoid If |
|---|
| You want simple cashback |
| You want a low-fee card |
| You want annual fee waiver |
| You do not travel |
| You do not redeem points for travel |
| You do not use lounges |
| You do not use golf benefits |
| You do not want app-linked travel rewards |
| You mostly spend on utilities, insurance, rent, wallet load, education or fuel |
Better Alternatives to Consider
| User Need | Better Direction |
|---|---|
| Simple cashback | Consider dedicated cashback cards |
| Lower annual fee | Compare mid-premium cards |
| No annual fee pressure | Consider lifetime-free credit cards |
| UPI-first usage | Consider RuPay credit cards on UPI |
| Fuel spends | Consider fuel co-branded cards |
| Premium travel rewards | Compare premium travel cards |
| Low forex only | Compare zero forex credit cards |
| Beginner credit card | Consider entry-level or secured cards |
For comparison basics, read How to Compare Credit Cards in India.
Should You Apply for IDFC FIRST Mayura Credit Card?
Apply only if you can use the premium travel and lifestyle benefit stack.
Do not apply only because the card says metal, zero forex, or up to 60X reward points.
Check:
- ₹5,999 + GST annual fee
- no annual fee waiver
- zero forex use case
- travel redemption usage
- lounge spend condition
- golf spend condition
- movie offer usage
- app-based hotel and flight booking behaviour
- reward exclusions
- redemption fee and caps
Use the apply button on this page only after checking the latest official bank terms.
FAQs
Is IDFC FIRST Mayura Credit Card a metal card?
Yes. IDFC FIRST Mayura is positioned as a premium metal credit card.
What is the joining fee of IDFC FIRST Mayura Credit Card?
The joining fee is ₹5,999 + GST.
What is the annual fee of IDFC FIRST Mayura Credit Card?
The annual fee is ₹5,999 + GST.
Does Mayura have annual fee waiver?
No. There is no annual fee waiver.
What is the forex markup on Mayura Credit Card?
The card offers zero forex markup.
What is the reward value on travel redemptions?
1 Reward Point is worth ₹0.50 on travel redemptions.
What is the regular reward point value?
1 Reward Point is worth ₹0.25 on regular redemption options.
How many lounge visits does Mayura offer?
Mayura offers 4 domestic airport lounge visits, 4 domestic railway lounge visits, and 4 international lounge visits per quarter.
Is lounge access unconditional?
No. Lounge access requires ₹20,000 spends in the current calendar month to qualify for the following month.
Does Mayura offer golf benefits?
Yes. Mayura offers up to 2 complimentary golf rounds or lessons per month, subject to spend conditions.
What is the movie offer on Mayura?
The card offers Buy 1 Get 1 movie ticket offer up to ₹500, twice a month.
What is the Benchmarksutra score for IDFC FIRST Mayura?
IDFC FIRST Mayura scores 81/100, placing it in A Tier.
Should I apply for IDFC FIRST Mayura Credit Card?
Apply if you are a premium travel user who can use zero forex, travel redemption, lounge access, golf, movies, and hotel/flight booking rewards. Avoid if you want simple cashback or low fees.
A premium metal card should not be judged only by zero forex or card design. For Mayura, the real value depends on travel redemption, lounge usage, golf, movie benefits, and whether you actually use the premium benefit stack.
Final Verdict
The IDFC FIRST Mayura Credit Card is a strong premium metal credit card for travel and lifestyle users.
Its strongest benefits are:
- zero forex markup
- premium metal card positioning
- up to 50 RP per ₹150 on hotels via app
- up to 30 RP per ₹150 on flights via app
- 1 RP = ₹0.50 on travel redemptions
- domestic airport lounge access
- international lounge access
- railway lounge access
- golf benefits
- Buy 1 Get 1 movie offer
- trip cancellation cover up to ₹50,000
- roadside assistance
But this card has clear trade-offs.
The joining fee is ₹5,999 + GST.
The annual fee is ₹5,999 + GST.
There is no annual fee waiver.
Lounge access needs monthly spend activation.
Golf benefits need spend activation.
The best reward value depends on travel redemption.
Regular redemption gives lower value.
Benchmarksutra’s view is simple:
- Choose this card if you are a premium travel and lifestyle user.
- Use it for zero forex, travel redemptions, hotel bookings, flight bookings, lounge access, golf, and movies.
- Do not choose it only because it is a metal card.
- Avoid it if you want simple cashback, low fees, or annual fee waiver.
Final Benchmarksutra Score: 81/100 — A Tier
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