IDFC FIRST Bank
IDFC FIRST Mayura Credit Card
Reward points on every ₹150, worth ₹0.50 each when you book flights and hotels in IDFC FIRST's app (₹0.25 on vouchers, products and other redemptions). At the travel value: 1.67% back on your first ₹20,000 of spends a month and on international spends, 3.33% on spends above ₹20,000 a month and on your birthday; rent, education, wallet loads and government payments 1%; insurance, utilities, railways and FASTag 0.33%. Halve these at ₹0.25 a point. Extra bonus points on hotels and flights booked in the app. No points on fuel, EMI or cash withdrawals. International spends keep earning points after IDFC FIRST's 26 October 2026 change.
- ₹5,999 joining, ₹5,999 a year
- Mastercard
Pros and cons
Good
- No forex markup
Watch out for
- At ₹5,999 a year, it doesn't beat a free card's rate on any spend
- High joining fee: ₹5,999 up front
- Lounge visits need about ₹20,000 of spend a month
- Can't be used on UPI (not a RuPay card)
- Who it's for
- Frequent flyers who use airport lounges and can meet the fee waiver.
- Skip it if
- You mainly pay by UPI.
Worked out from the bank's published terms with the same rules for every card, never from what we earn. How we judge cards.
Rewards (value back as % of spend)
- Everyday spends
- 1.67% (base rate)
- Online shopping
- 1.67%
- Fuel
- 0%
- Groceries
- 1.67%
- Travel
- 1.67%
- Bills and utilities
- 0.33%
- Dining and food delivery
- 1.67%
Fees and charges
- Joining fee
- ₹5,999
- Annual fee
- ₹5,999
- Fee waiver
- This card isn't free: the ₹5,999 joining fee and the ₹5,999 annual fee apply whatever you spend, with no spend-based waiver. Paying the joining fee brings up to 12,000 reward points (4,000 on payment, then 4,000 for each of ₹20,000 spent in your 2nd and 3rd statement cycles), once per customer. When the annual fee is paid, spending ₹8 lakh in the previous card year earns 7,500 points, or ₹15 lakh earns 15,000 points.
- Forex markup
- 0%
- Fuel surcharge waiver
- 1% waiver on fuel transactions of ₹200 to ₹5,000, up to ₹300 per statement cycle. If your fuel spends pass ₹30,000 in a cycle, a 1% fee applies to all of them. Fuel earns no points.
Benefits and eligibility
- Airport lounge
- 4 airport lounge visits in India a quarter (one can be for a guest), 4 at airports abroad a quarter and 4 railway lounge visits a quarter. They work in a given month only if you spent ₹20,000 on the card the month before, and add-on cardholders share the same visits.
- Card network
- Mastercard
- UPI payments
- No
- Minimum income (salaried)
- Not published by the bank
- Eligibility
- IDFC FIRST doesn't state income or age criteria for this card in any document we could read, so check them on the bank's application page. Approval at the bank's discretion.
Fees exclude GST. Reward rates are the value back you get at the bank's published redemption value; where a bank doesn't publish what a point is worth, we leave the rate blank rather than guess. See how we compare cards.
Compare it with other cards
Ready to apply for the IDFC FIRST Mayura Credit Card?
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What changed recently
- OtherWorse for you
The buy-one-get-one movie ticket offer now needs ₹20,000 of card spend in the previous calendar month.
After: ₹20,000 spend in the previous calendar month
The notice doesn't state the earlier condition.
Bank's notice or terms - Reward capsWorse for you
Points are earned only on spends up to the credit limit in each billing cycle.
After: Points capped at spends up to the credit limit per cycle
Bank's notice or terms
Questions people ask
Is the IDFC FIRST Mayura Credit Card worth it in 2026?
Only if you'll use the airport lounge visits and can meet the fee waiver; the rewards alone don't cover the fee. The catch: lounge visits need about ₹20,000 of spend a month.
Is the IDFC FIRST Mayura Credit Card lifetime free?
No. It costs ₹5,999 to join and ₹5,999 a year, plus GST. This card isn't free: the ₹5,999 joining fee and the ₹5,999 annual fee apply whatever you spend, with no spend-based waiver. Paying the joining fee brings up to 12,000 reward points (4,000 on payment, then 4,000 for each of ₹20,000 spent in your 2nd and 3rd statement cycles), once per customer. When the annual fee is paid, spending ₹8 lakh in the previous card year earns 7,500 points, or ₹15 lakh earns 15,000 points.
Does the IDFC FIRST Mayura Credit Card work on UPI?
No. Only RuPay credit cards can be linked to UPI, and this isn't one.
Does the IDFC FIRST Mayura Credit Card give airport lounge access?
4 airport lounge visits in India a quarter (one can be for a guest), 4 at airports abroad a quarter and 4 railway lounge visits a quarter. They work in a given month only if you spent ₹20,000 on the card the month before, and add-on cardholders share the same visits.
What earns no rewards on the IDFC FIRST Mayura Credit Card?
No points on fuel, EMI transactions, loans on the card, balance transfers or cash withdrawals. Rent, education, wallet loads and government payments earn 3 points per ₹150, and insurance, utilities, railways and FASTag 1 point per ₹150; the card's reward terms say these don't count towards the ₹20,000 a month needed for the higher rate. Points are earned only on spends up to your credit limit in each billing cycle. 1% fees apply when, in one cycle, utilities pass ₹20,000, railway spends pass ₹25,000 or toll spends pass ₹10,000; rent, and education paid through third-party apps, carry a 1% fee (at least ₹249). No cap on points is published.
Who can get the IDFC FIRST Mayura Credit Card?
IDFC FIRST doesn't state income or age criteria for this card in any document we could read, so check them on the bank's application page. Approval at the bank's discretion. Approval is at the bank's discretion.
How we checked this card: the CreditParakh team read IDFC FIRST Bank's own terms and product page on 20 Oct 2026. Every fee, rate and rule above comes from those pages; where they disagree, we say so. We re-check every card monthly and log changes on card changes. See our editorial standards.
Last verified 20 Oct 2026 on IDFC FIRST Bank's official page. Fees and rewards change; check the issuer's terms before you apply.