IDFC
IDFC FIRST Mayura Credit Card
This is an invite only card
Apply and get ₹750 Rewards
Top Benefits
Earn up to 60 Reward Points on Hotel Booking
via the IDFC FIRST Bank Mobile App, capped at 25,000 bonus Reward Points per calendar month
Enjoy 0% forex markup on International
transactions save on every overseas spend with no foreign exchange conversion fees on the card
Best For
Shopping
Travel
The IDFC FIRST Mayura Credit Card is a top-tier premium credit card built around exceptional travel...
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The IDFC FIRST Mayura Credit Card is a top-tier premium credit card built around exceptional travel...
The IDFC FIRST Mayura Credit Card is a top-tier premium credit card built around exceptional travel benefits, 0% forex markup, and accelerated rewards for high spenders. Issued by IDFC FIRST Bank on the Mastercard network, it carries a ₹5,999 joining fee and a ₹5,999 annual fee, both non-waivable.
The flagship welcome benefit is exceptional: up to 12,000 reward points on first transaction within 30 days, plus ₹4,000 cashback per ₹1,000 transaction in the first 60 days. This is among the richest welcome benefits in the Indian credit card market.
Eligibility requires applicants to be between 21 and 65 years of age, with a minimum annual income of ₹25 LPA for both salaried and self-employed (₹2,08,333 monthly). CIBIL score requirement is 750 or above. This places the Mayura firmly in the super-premium segment alongside the HDFC Infinia and Axis Magnus.
The forex markup is 0%, making this only the second Indian credit card (alongside the IDFC FIRST WOW) to offer true zero forex markup. For users spending ₹5 lakh annually on international transactions, this saves ₹17,500 compared to a standard 3.5% forex card.
Travel benefits are extensive: 4 Indian + 4 international + 4 railway lounge visits per quarter on minimum monthly spend of ₹20,000, totalling 16 Indian + 16 international + 16 railway lounges annually for active users.
Reward earning is tiered: 10 RP per ₹150 on monthly spends above ₹20,000, 5 RP per ₹150 on monthly spends up to ₹20,000, plus 1% surcharge waiver across all transactions. At ₹0.25 per point, this works out to 1.67% effective return above ₹20K and 0.83% below.
Milestone benefit is 15,000 reward points on annual spend of ₹15 lakh, which alone is worth ₹3,750. Combined with welcome benefits, the first-year potential value reaches ₹25,000+ for heavy spenders.
View FAQ
Commonly Asked Questions
Q. What is the joining fee?
A. The joining fee is ₹5,999 plus applicable GST, offset by up to 12,000 welcome reward points plus ₹4,000 cashback per ₹1,000 spend in first 60 days.
Q. Can the annual fee be waived?
A. No, the ₹5,999 annual fee is non-waivable. Heavy spenders extract value through milestone benefits and 0% forex savings.
Q. What is the forex markup?
A. 0%, the second Indian credit card to offer true zero forex markup after the IDFC FIRST WOW.
Expert Review
The IDFC FIRST Mayura is one of the most innovative super-premium credit cards in the Indian market. The combination of 0% forex markup, exceptional lounge access (16+16+16 annually), accelerated rewards on high spends, and rich welcome benefits creates a unique product.
For a user spending ₹5 lakh annually internationally and ₹15 lakh total, the card delivers approximately ₹17,500 (forex savings) + ₹3,750 (milestone) + ₹15,000-₹20,000 (rewards + lounges) + welcome benefits = ₹35,000+ in first-year value. Against ₹7,079 annual fee, this is exceptional value.
The 0% forex markup is the standout feature. For super-premium users with significant international spending, the savings alone justify the card. The exceptional lounge access (including 16 international annually) adds substantial travel value.
The card has limitations. The non-waivable ₹5,999 annual fee adds commitment risk. The exclusion list (grocery, utility, FASTag, education) is broad. Users with lower international spending may not extract proportional forex value.
Our recommendation: get this card if you spend ₹5+ lakh annually internationally and have a ₹25 LPA+ income. Pair it with a category-specialist card (Tata Neu Infinity for retail or AU LIT for lifestyle) for excluded categories. For top all-around super-premium experience, the HDFC Infinia remains stronger overall.
Joining / Annual Fee
Joining Fees
₹7,079 ( ₹5999 + GST )
Annual Fees
₹7,079 ( ₹5999 + GST )
Joining fee is ₹5,999 plus GST. Annual fee is ₹5,999 plus GST from year two, non-waivable.
GST...
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Joining fee is ₹5,999 plus GST. Annual fee is ₹5,999 plus GST from year two, non-waivable. GST...
Joining fee is ₹5,999 plus GST. Annual fee is ₹5,999 plus GST from year two, non-waivable.
GST at 18% applies, so the total first-year cost is ₹7,079. The annual fee from year two is also ₹7,079.
The non-waivable structure means heavy spenders must extract value through the milestone benefits, lounge access, and 0% forex savings to justify the annual commitment.
View FAQ
Commonly Asked Questions
Q. What is the joining fee?
A. ₹5,999 plus 18% GST, totalling ₹7,079.
Q. Can the annual fee be waived?
A. No, the annual fee is non-waivable.
Q. Is the joining fee offset?
A. Yes, the welcome 12,000 RPs (₹3,000) plus the first-60-day cashback structure can fully offset the joining fee for active users.
Q. Is GST applicable?
A. Yes, 18% GST applies.
Eligibility
Age
Criteria*
21-60 years
Salary
Criteria*
25LPA
Credit
Rating*
720+
New to credit
allowed
Yes
Existing Bank
Customer Allowed
Yes
Applicants must be between 21 and 65 years of age. The minimum annual income is ₹25 LPA for both sa...
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Applicants must be between 21 and 65 years of age. The minimum annual income is ₹25 LPA for both sa...
Applicants must be between 21 and 65 years of age. The minimum annual income is ₹25 LPA for both salaried and self-employed (₹2,08,333 monthly).
A CIBIL score of 750 or above is required. IDFC FIRST Bank also considers credit behaviour, payment history, and credit utilisation.
You must be a resident Indian citizen with valid PAN, Aadhaar, and address proof.
View FAQ
Commonly Asked Questions
Q. What is the minimum income?
A. ₹25 LPA for both salaried and self-employed.
Q. What CIBIL score is needed?
A. 750 or above.
Q. Is this card for super-premium users?
A. Yes, the ₹25 LPA income requirement places this card alongside the HDFC Infinia and Axis Magnus.
Q. Are NRIs eligible?
A. No, only resident Indian citizens.
All Card Benefits
- 0% forex markup on all international transactions
- Up to 4 Indian airport lounge visits, 4 global airport lounge visits, and 4 railway lounge visits per quarter, subject to minimum monthly spends of ₹20,000
- Earn 10 Reward Points per ₹150 on eligible incremental spends above ₹20,000 in a statement cycle, and 5 Reward Points per ₹150 up to ₹20,000
- Annual fee benefit: up to 15,000 Reward Points on spends of ₹15 lakhs or 7,500 Reward Points on spends of ₹8 lakhs in the previous anniversary year
- Up to 60 Reward Points per ₹150 on hotel bookings and 40 Reward Points per ₹150 on flight bookings via the IDFC FIRST Bank Mobile App, capped at 25,000 bonus Reward Points per calendar month
The Mayura stacks super-premium benefits across forex, travel, lounge access, and accelerated rewar...
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The Mayura stacks super-premium benefits across forex, travel, lounge access, and accelerated rewar...
The Mayura stacks super-premium benefits across forex, travel, lounge access, and accelerated rewards.
The flagship feature is 0% forex markup on all international transactions. This is genuinely best-in-market and matched only by the IDFC FIRST WOW (which requires an FD). For users who travel internationally or shop on international websites, the savings compound significantly.
Welcome benefits include up to 12,000 reward points on first transaction within 30 days (worth ₹3,000 at ₹0.25/point), plus ₹4,000 cashback per ₹1,000 transaction in the first 60 days. The cashback structure is unique: every ₹1,000 spend in the first 60 days earns ₹4,000 cashback, subject to programme caps. This can generate exceptional first-year value if spend is concentrated in the welcome window.
Reward earning is tiered. You earn 10 reward points per ₹150 on monthly spends exceeding ₹20,000, and 5 reward points per ₹150 on monthly spends up to ₹20,000. Plus 1% surcharge waiver across all eligible transactions. At ₹0.25 per point, this works out to 1.67% effective return above ₹20K and 0.83% below.
Lounge access is exceptional: 4 Indian + 4 international + 4 railway lounge visits per quarter on minimum monthly spend of ₹20,000. Active users get 16 Indian + 16 international + 16 railway lounges annually, worth approximately ₹60,000+ in retail lounge value.
Milestone benefit is 15,000 reward points on annual spend of ₹15 lakh, worth ₹3,750 at redemption. For super-premium spenders, this milestone is achievable and significantly offsets the annual cost.
The card is a Mastercard World Elite product with concierge service, purchase protection, travel insurance, and lost card liability protection. The Mastercard network provides broad international acceptance.
Fuel surcharge waiver is 1% on transactions across all fuel networks.
View FAQ
Commonly Asked Questions
Q. What is the welcome benefit structure?
A. Up to 12,000 reward points on first transaction within 30 days, plus ₹4,000 cashback per ₹1,000 transaction in first 60 days.
Q. What are the lounge benefits?
A. 4 Indian + 4 international + 4 railway lounge visits per quarter on ₹20,000 monthly spend.
Q. What is the reward structure?
A. 10 RP per ₹150 above ₹20,000 monthly spend, 5 RP per ₹150 below, plus 1% surcharge waiver across transactions.
Q. What is the milestone benefit?
A. 15,000 reward points (worth ₹3,750) on annual spend of ₹15 lakh.
Q. Is concierge service included?
A. Yes, 24x7 Mastercard World Elite concierge service.
Q. What is the forex markup?
A. 0%, true zero forex markup on international transactions.
Q. Is there a fuel surcharge waiver?
A. Yes, 1% across all fuel networks.
Milestone Benefits
7500 reward points(Worth ~ ₹3,750)
Spend ₹8,00,000 in 365 days
15000 reward points(Worth ~ ₹7,500)
Spend ₹15,00,000 in 365 days
How to Redeem Rewards & Cashback?
Rewards Conversion Rate
1 reward points = Rs 0.25
Redemption Options
You redeem your points here:
To check redemption catalogue
Reward redemption is done through the IDFC FIRST Rewards portal at firstrewards.in or the IDFC FIRS...
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Reward redemption is done through the IDFC FIRST Rewards portal at firstrewards.in or the IDFC FIRS...
Reward redemption is done through the IDFC FIRST Rewards portal at firstrewards.in or the IDFC FIRST Bank Mobile app.
1 reward point = ₹0.25 across the IDFC FIRST Rewards catalogue. You can redeem for vouchers, merchandise, travel bookings, and partner offers.
There is no redemption fee. Reward points do not expire as long as the card is active.
View FAQ
Commonly Asked Questions
Q. What is the redemption value?
A. 1 reward point = ₹0.25 across the IDFC FIRST Rewards catalogue.
Q. Is there a redemption fee?
A. No, there is no redemption fee.
Q. Do reward points expire?
A. No, reward points do not expire as long as the card is active.
Gift card - Key Terms
Once you apply, we will start tracking your application
Generally takes 2-72 hrs
Once the bank confirms us of your successful card activation, we will process your rewards
Generally takes 7-75 days
You can then withdraw your rewards via Amazon Pay Balance/Flipkart gift cards
Generally takes 7-75 days
Note: If you currently hold or have ever held an IDFC Credit Card, you are not eligible for CashKaro Rewards.
Rewards Related
- If you currently hold or have ever held an IDFC Credit Card, you are not eligible for Gift Card
- A minimum transaction of Rs.100 within 30 days is mandatory to activate your card; otherwise, you wont be eligible for the Rewards
- Please use Aadhaar linked mobile number to fill the application
- If the distance between your residence and office addresses is 150 km or more, please ensure that your residence is selected as the mailing address. Applications not adhering to this will be rejected
- VKYC done over 50km from your Aadhaar/communication address will result in application rejection and loss of Rewards
Also, Remember
- Resume your application only via Great.Cards to avoid losing Rewards
- If your Rewards do not track, raise a Missing Rewards Ticket within 30 Days from the application date
- Rewards can only be redeemed as Amazon Pay Balance and Flipkart Gift Card
Bank Exclusions
You will not earn points / cashback on spends in the following categories
For Points / Cashback Earnings
Fuel Spends
EMI transactions
Purchases converted to EMI post facto
Wallet loading transactions
Purchase of Jewelry items
Cash advances
Payment of outstanding balances
Payment of card fees and other card charges
Rental Payments
Government services
Insurance services
Education services
Utility Spends that are not done on Airtel Thanks platform
For Spends Waiver
Fuel Spends
EMI transactions
Purchases converted to EMI post facto
Wallet loading transactions
Purchase of Jewelry items
Cash advances
Payment of outstanding balances
Payment of card fees and other card charges
Rental Payments
Government services
Insurance services
Education services
Utility Spends that are not done on Airtel Thanks platform
Excluded categories from reward points typically include insurance, EMI conversions, cash withdrawa...
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Excluded categories from reward points typically include insurance, EMI conversions, cash withdrawa...
Excluded categories from reward points typically include insurance, EMI conversions, cash withdrawals, utilities, grocery, FASTag recharges, education spends, rent payments, government-related transactions, and wallet loads.
Refer to the latest MITC for the full exclusion list.
View FAQ
Commonly Asked Questions
Q. Are utility payments excluded?
A. Yes, utilities are excluded.
Q. Do grocery spends earn rewards?
A. No, grocery is excluded.
Q. Are FASTag recharges rewarded?
A. No, FASTag is excluded on the Mayura.
Bank Fee Structure
| Structure | Details |
|---|---|
Forex Markups  0% Forex Markup on International Transactions | 0% |
APR Fees Finance charges of 0.75% per month apply on unpaid outstanding balances until the amount is fully repaid. | 0.75% |
ATM withdrawal A ₹199 fee is charged per domestic cash withdrawal, with 0% interest until the due date (up to 45 days). | ₹199 |
Reward Redemption Fees A reward redemption handling fee of ₹99 plus applicable GST is charged per redemption request. | ₹99 |
Link for all T&Cs | Click Here |
Railway Surcharge 1% fee beyond ₹25,000 Passenger Railway spends per statement cycle; platform charges extra. | 1% |
Rent Payment Fees 1% of the transaction amount is charged as a fee on rent payment transactions, subject to applicable GST and platform charges | 1% |
cheque Payment Fees No cheque payment fee is charged | N/A |
Cash Payment Fees N/A | N/A |
| Late Payment Fees | Amount Due |
|---|---|
| ₹0 - ₹100 | ₹0 - ₹100 |
| ₹500 | ₹500 |
| ₹5000 | ₹5000 |
| ₹8000 | ₹8000 |
| ₹10,000 | ₹10,000 |
| ₹10,000 & above | ₹10,000 & above |
Joining fee ₹5,999 plus GST. Annual fee ₹5,999 plus GST from year two, non-waivable.
Forex mar...
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Joining fee ₹5,999 plus GST. Annual fee ₹5,999 plus GST from year two, non-waivable. Forex mar...
Joining fee ₹5,999 plus GST. Annual fee ₹5,999 plus GST from year two, non-waivable.
Forex markup is 0%, the only Indian super-premium card offering true zero forex markup.
APR on revolving balances is 3.75% per month, equivalent to 45% per annum.
Cash advance fee is 2.5% of withdrawn amount, minimum ₹500. Reward redemption fee is not applicable.
Railway surcharge is 1% of transaction. Rent payment processing charge is 1% of transaction.
Cheque payment charge is ₹100 per cheque. Cash payment at branch is ₹100 per transaction.
Late payment charges are slab-based: ₹0 below ₹500, ₹500 for ₹501 to ₹5,000, ₹750 for ₹5,001 to ₹10,000, and ₹1,200 for balances above ₹10,000.
| Fee Type | Amount |
|---|---|
| Joining Fee | ₹5,999 + GST |
| Annual Fee | ₹5,999 + GST (non-waivable) |
| Forex Markup | 0% |
| APR | 3.75% per month (45% p.a.) |
| Cash Advance Fee | 2.5% (min ₹500) |
| Reward Redemption Fee | Not Applicable |
| Railway Surcharge | 1% of transaction |
| Rent Payment Charge | 1% of transaction |
| Cheque Payment Charge | ₹100 per cheque |
| Cash Payment at Branch | ₹100 per transaction |
| Late Payment Charges | ₹0 / ₹500 / ₹750 / ₹1,200 (slab-based) |
View FAQ
Commonly Asked Questions
Q. What is the interest rate?
A. 3.75% per month or 45% per annum.
Q. What is the forex markup?
A. 0%, true zero forex markup.
Q. What are late payment charges?
A. Slab-based from ₹0 to ₹1,200.
Q. Is the annual fee really non-waivable?
A. Yes, per current terms.
Q. Is there a redemption fee?
A. No, redemption is free.
Q. What is the cash advance fee?
A. 2.5% of withdrawn amount, minimum ₹500.
Documents Required
Identity proof: PAN plus Aadhaar, Voter ID, passport, or driving licence. Address proof: Aadhaar, utility bills, rental agreement, passport, or driving licence.
Income proof for salaried: last 3 months' salary slips and 6 months' bank statement. Self-employed: last 2 years' ITR, business bank statement, and proof of business existence.
View FAQ
Commonly Asked Questions
Q. Is PAN mandatory?
A. Yes.
Q. What income proof is needed for salaried?
A. Last 3 months' salary slips and 6 months' bank statement.
Q. What income proof is needed for self-employed?
A. Last 2 years' ITR, business bank statement, and proof of business existence.
Who Should Get This Card?
The IDFC FIRST Mayura is built for super-premium users who travel internationally, spend ₹10-20 lakh annually, and want concentrated travel benefits plus 0% forex markup. The card suits users in the ₹30+ LPA income bracket.
For a user spending ₹5 lakh annually internationally and ₹15 lakh total, the 0% forex saves ₹17,500 compared to standard cards. Add milestone 15,000 RPs (₹3,750), exceptional lounge access (₹60,000 retail value, ₹15-20K practical value), and concentrated rewards, total annual value reaches ₹30,000+.
The card pairs well with super-premium lifestyles where international travel and shopping are frequent. The 0% forex advantage compounds significantly for users with ₹5L+ annual international spending.
This card is not the right pick if you do not travel internationally or spend less than ₹10 lakh annually. The non-waivable ₹7,000+ annual fee adds risk for moderate users. For unlimited lounges, the HDFC Infinia is better. For pure spending rewards, the Axis Magnus may deliver more total value.
Credit Limit and What to Expect
The credit limit depends on income, CIBIL score, and existing obligations. For ₹25 to ₹50 LPA income profiles, typical starting limits range from ₹5,00,000 to ₹15,00,000. Higher income brackets reach ₹25 lakh or more.
IDFC FIRST offers enhancements after 6 to 12 months of regular usage.
View FAQ
Commonly Asked Questions
Q. What credit limit can I expect?
A. ₹5,00,000 to ₹15,00,000 for ₹25 to ₹50 LPA income.
Q. When can I request an increase?
A. After 6 to 12 months of regular usage.
Q. What is the cash advance limit?
A. 20% to 40% of total credit limit.
How to Apply?
Apply through the IDFC FIRST Bank website, partner platforms like BankKaro, or any IDFC FIRST branch.
Online application via idfcfirstbank.com is the most common route. Fill in PAN, Aadhaar, employment type, and monthly income. Upload digital copies of identity, address, and income proof.
IDFC FIRST Bank runs bureau and internal verification. Initial decision in 2 to 5 working days. Physical card dispatched within 7 to 14 working days.
View FAQ
Commonly Asked Questions
Q. Can I apply online?
A. Yes, through IDFC FIRST Bank, partner platforms, or any IDFC FIRST branch.
Q. How long does it take?
A. Initial approval in 2 to 5 working days; card dispatched within 7 to 14 working days.
Q. Is invitation required?
A. The card is generally available on application, subject to eligibility verification.
That’s the full story of this credit card
Like this card? Your apply button’s just there.
Top Benefits
Apply and get ₹750 Rewards
Top Benefits
Earn up to 60 Reward Points on Hotel Booking
via the IDFC FIRST Bank Mobile App, capped at 25,000 bonus Reward Points per calendar month
Enjoy 0% forex markup on International
transactions save on every overseas spend with no foreign exchange conversion fees on the card
The smartest way to find your great credit card
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