IDFC FIRST Mayura Credit Card
The IDFC FIRST Mayura is the bank's flagship metal card and its most premium publicly available product — a Visa Infinite that leads on a genuine 0% forex markup, a heavy lounge programme (16 domestic + 16 international visits a year) and up to 2 golf rounds a month. It earns 5 reward points per ₹150 up to ₹20,000 of monthly spend (~0.83%), 10 per ₹150 on incremental spend above that and on birthdays (~1.67%), 3 per ₹150 on rent/education/government/wallet loads and 1 per ₹150 on insurance/utility/railway/FASTag, with points redeemed at ₹0.25 for vouchers/statement credit and ₹0.50 on flight & hotel bookings through the IDFC FIRST app (where the marketing "40X / up to 13% back" figure lives). A 12,000-point joining benefit (three 4,000-point tranches) and an annual-fee-payment milestone of 7,500 points at ₹8 lakh — rising to 15,000 at ₹15 lakh — soften the fee. Mayura ships on either Visa Infinite or Mastercard World, and the network decides part of the perk sheet: the Mastercard variant carries its own golf programme and hotel-club tie-ups, while ITC stay offers, meet-and-greet and concierge ride on Visa. International earn was cut from 10X to 5X on 18 January 2026; points never expire. At ₹5,999 the card only pays for itself if you actually use the lounges, golf and 0% forex — a frequent traveller's card, not a rewards workhorse.
Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹3,000 in vouchers, points or cashback on card activation
8.33% on Travel
Includes: IDFC FIRST app hotel and flight bookings — hotels earn 40 RP per ₹150 total, flights 25 RP per ₹150; a single 25,000 bonus-point monthly cap is shared across both legs, so this row uses the conservative flight-leg encoding
0.83% on Other
5 RP per ₹150 up to ₹20,000/month (~0.83%), 10 RP per ₹150 on incremental above ₹20,000 and on birthdays (~1.67%), 3 RP per ₹150 on rent/education/government/wallet; points never expire
️ Airport Lounge Access
Up to 16 domestic and 16 international airport lounge visits a year (spend-activated on ₹20,000 in the previous month)
Zero Forex Markup
Use abroad without extra charge — swipe internationally like you do domestically.
Golf Privileges
Up to 2 complimentary golf rounds or lessons a month at partner courses; the separate Mastercard India Golf Program (4 rounds + 12 lessons a year) applies only to Mastercard World variants, not Visa
Movie Ticket Benefit
Buy-one-get-one movie ticket up to ₹500 off, twice a calendar month via District by Zomato, on ₹20,000 of spend in the previous month
Milestone Bonus
~₹1,875 in bonus rewards on hitting annual spend milestones
Full reward structure
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Travel | reward points | 8.33% | ₹12,500 |
| Other | reward points | 0.83% | — |
| International | reward points | 0.83% | — |
Fees & charges
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹7,079 |
| Joining fee (incl. 18% GST) | ₹7,079 |
| Forex markup | 0% |
| Reward redemption fee | ₹99 |
Perks & benefits
Estimated annual value beyond rewards — ~₹64,550/yr in total.
️ lounge access ~ ₹40,000 /yr
Up to 16 domestic and 16 international airport lounge visits a year (spend-activated on ₹20,000 in the previous month)
golf ~ ₹12,000 /yr
Up to 2 complimentary golf rounds or lessons a month at partner courses; the separate Mastercard India Golf Program (4 rounds + 12 lessons a year) applies only to Mastercard World variants, not Visa
movie ticket ~ ₹8,000 /yr
Buy-one-get-one movie ticket up to ₹500 off, twice a calendar month via District by Zomato, on ₹20,000 of spend in the previous month
milestone bonus ~ ₹1,875 /yr
Annual fee payment benefit — 7,500 reward points on ₹8 lakh of spend in the previous card-anniversary year, credited on paying the next annual fee
milestone bonus ~ ₹1,875 /yr
A further 7,500 reward points (15,000 total) on ₹15 lakh of spend in the previous card-anniversary year
fuel waiver ~ ₹800 /yr
1% fuel-surcharge waiver on fuel transactions between ₹200 and ₹5,000, capped at ₹300 per statement cycle
Milestone ladder
- 1₹8,00,000 a year₹1,875 of value
- 2₹15,00,000 a year₹1,875 of value
Should you get it?
Best for: Frequent international travellers who will use the 0% forex, Heavy spenders who book flights and hotels through the IDFC FIRST app
Super Premium tier — built for high spenders who want top-end perks.
Strongest value if you spend heavily on Travel ( 8.33% back).
Frequent travellers benefit from the included airport lounge access.
✓ Pros
- Genuine 0% forex markup on international spends
- 16 domestic and 16 international lounge visits a year
- 4 railway lounge visits a quarter (on ₹20,000 of spend in the previous month)
- Up to 2 golf rounds or lessons every month
- CFAR trip-cancellation cover up to ₹50,000 twice a year
- ₹5,000 off The Postcard Hotels stays of ₹25,000+ every quarter
- Reward points never expire; ₹0.50/point on in-app travel bookings
✕ Cons
- The ₹5,999 fee has no spend-based waiver — light travellers cannot recover it
- International earn was cut from 10X to 5X on 18 January 2026
- Best lounge/golf value needs ₹20,000+ of spend in the prior month
Eligibility & documents
Min. income
₹1,50,000 /mo
Employment
Salaried · Self-employed
Documents required
- PAN card
- Aadhaar / address proof
- Income proof (salary slips or ITR)
How to redeem rewards
Ways to convert what you earn into real value.
🎁 Book flights and hotels on the IDFC FIRST app for ₹0.50 per point
🎁 Redeem for statement credit and vouchers at ₹0.25 per point
What your IDFC Reward Points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Statement credit BEST Never-expiring points
Gift voucher catalogue BEST Brand & e-gift vouchers
The concern The ₹5,999 fee has no spend waiver, so light travellers cannot recover it on base rewards alone — and the 2026 cut halved the international earn that used to justify carrying it abroad.
The bottom line
Mayura genuinely belongs in the premium tier: an authentic 0% forex markup, a substantial lounge-and-golf package, points that never expire, and above-average redemption value on in-app travel bookings. But it repays that ₹5,999 fee only if you're travelling often enough to actually work through those perks — treated as a plain everyday-spend rewards card, the fee is a tough sell. The January 2026 halving of international earn (10X down to 5X) also takes a bit of shine off its case for travel spending specifically.
Sources & verification
Fees, reward rates, and benefits for the IDFC FIRST Mayura Credit Card are taken from IDFC FIRST Bank 's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page . Last verified 7 Aug 2026 . Reviewed by Devchandra Sah . Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for IDFC FIRST Bank . All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
Value timeline
Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.
Tracking since 2024 · 6 changes · last change Jun 2026
▲ Revaluation ▼ Devaluation ◆ Neutral / reversed
2026 3 changes — 3 cuts
▼ Reward Effective 18 Jun 2026
Earning capped at the credit limit per billing cycle
All eligible spend earned points → Only spend up to the assigned credit limit per cycle earns
From 18 June 2026 reward points accrue only on spends up to your assigned credit limit within a billing cycle; anything beyond that earns nothing. It bites only the pattern of spending past the limit and repaying mid-cycle to free it up again, so most holders will never touch it — but it puts a hard ceiling on what the card can earn in a month.
Verification: IDFC FIRST Bank ↗ · Confidence: High
▼ Benefit Effective 18 Jun 2026
Movie buy-one-get-one spend-gated
Unconditional, twice a month → Needs ₹20,000 spend in the previous calendar month
From 18 June 2026 the buy-one-get-one movie-ticket offer only unlocks if you spent ₹20,000 or more on the card in the previous calendar month — IDFC's own example: to claim it in August 2026 you must have spent ₹20,000 in July 2026. The offer still runs every month, but a benefit that had been unconditional since launch now has a spend condition attached.
Verification: IDFC FIRST Bank ↗ · Confidence: High
▼ Reward Effective 18 Jan 2026
International earn halved to 5X
10X (10 RP per ₹150) → 5X (5 RP per ₹150)
From 18 January 2026 international spends earned 5 reward points per ₹150 instead of 10 — halving the overseas earn on a card sold on its zero forex mark-up. The 0% forex itself survived, so the Mayura still costs nothing to swipe abroad; it simply pays half as much for doing so. Announced in the same December 2025 batch: reward points are withheld for any billing cycle in which the minimum amount due is not paid by the due date.
Verification: CardAdvisor Research · Confidence: High
2025 2 changes — 2 neutral
◆ Welcome Effective 1 Sept 2025
Welcome benefit restructured into a three-tranche 12,000-point plan
12,000 reward points in three tranches: 4,000 on fee realization, 4,000 on ₹20,000+ net spends in the 2nd statement cycle, 4,000 in the 3rd
For cards generated on or after 1 September 2025 the joining benefit pays 12,000 reward points in three equal tranches — on realization of the joining fee, and on ₹20,000 or more of net spends in each of the second and third statement cycles. IDFC does not publish the structure that applied immediately before this date, so no before value is recorded.
Verification: IDFC FIRST Bank ↗ · Confidence: High
◆ Benefit Effective 1 Jul 2025
Movie benefit moves from BookMyShow to District by Zomato
BookMyShow → District by Zomato
From 1 July 2025 the buy-one-get-one movie-ticket benefit had to be claimed through the District by Zomato app instead of BookMyShow. The economics were untouched — up to ₹500 off the second ticket, twice a calendar month — so this was a lateral change, but holders had to switch apps to keep using a perk they had been booking on BookMyShow since launch.
Verification: CardAdvisor Research · Confidence: High
2024 1 change — 1 neutral
◆ Launch Effective 19 Sept 2024
IDFC FIRST launches the Mayura metal card
IDFC FIRST Bank unveiled the Mayura — the peacock-inspired second card in its Ashva-Mayura metal series — at ₹5,999 joining/annual fee with no spend-based waiver: a genuine zero forex mark-up, 5 reward points per ₹150 up to ₹20,000 of monthly spend and 10 per ₹150 on incremental spend above that and on birthdays, 4 domestic lounge/spa visits (including 1 guest) plus 4 international lounge visits per quarter, a BookMyShow buy-one-get-one movie offer with up to ₹500 off the second ticket twice a month, round-the-year golf privileges and a ₹50,000 trip-cancellation cover.
Verification: IDFC FIRST Bank ↗ · Confidence: High
↓ Show all 6 changes Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.
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Quick summary
Type Super Premium credit card
Reward rate 0.83%
Best for Frequent international travellers who will use the 0% forex
Joining fee ₹5,999
Annual fee ₹5,999
Reviewed by
Devchandra Sah · Cards tested, miles earned, trips booked — for over a decade
Last verified 7 Aug 2026
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