Mayura
Base Rate
1.67%
Forex Markup
0%
Joining Fee
₹5,999
Milestones
2
💳 Fee Structure
🧮 Reward Calculator
Monthly Spending Breakdown
Net Annual Value
+₹1,504
After ₹5,999 annual fee deduction
Base Rewards
₹7,503
Forex Net
+₹0
Milestones
₹0
Milestone Progress
Earn 7,500 bonus reward points (worth ₹3,750) on spending ₹8L annually
Spend ₹8L annually
Earn 15,000 bonus reward points (worth ₹7,500) on spending ₹15L annually
Spend ₹15L annually
📝 Detailed Review
The CardVault Verdict
The IDFC FIRST Mayura Credit Card is a high-end metal travel card that targets globetrotters and premium lifestyle spenders. It features an industry-leading 0% Forex markup and an unbelievable reward yield (up to 16.67%) on travel bookings made directly through the IDFC App. However, the high annual fee of ₹5,999 is non-waivable, and all lounge perks are locked behind a ₹20k monthly spend requirement.
Who Should Apply?
Apply if you are a frequent international traveler who spends heavily in foreign currency, regularly book hotels/flights on the bank app, and easily cross the ₹20,000 monthly spend requirement.
Lounge Access
Spend-Based Access
Spend ₹20,000/month to unlock
Required threshold to activate lounge visits
Visits / Year
32visits
Guest Visits
4guests
Supported Networks
Additional Notes
4 domestic visits (including 1 guest) + 4 international visits + 4 railway lounge visits per quarter, unlocked by spending ₹20,000 in the previous calendar month.
⚖️ Pros & Cons
✓Pros
- •Industry-leading 0% Forex markup fee on all international spends
- •Phenomenal 16.67% return on hotel bookings and 10.0% on flights via the IDFC Mobile App
- •Generous lounge access allowance (32 airport lounge visits per year) including guest visits
- •Premium metal card factor with comprehensive travel insurance
✗Cons
- •High annual fee (₹5,999 + GST) with no option for direct fee waiver based on spends
- •All lounge benefits are spend-based, requiring ₹20,000 monthly spend
- •BOGO movie offer and other lifestyle perks require a ₹20,000 spend in the previous month
Historical Changes
Track record of card modifications
Reward rate structure update
The reward points tiers and app-based multipliers were updated and restructured.
Movie benefit spend requirement
The BOGO movie ticket benefit was gated behind a ₹20,000 previous-month spend requirement.
Spa benefits discontinued
Complimentary airport spa access was removed from the list of benefits.