IDFC FIRST Bank Mayura Credit Card

Joining fee

The Mayura Credit Card comes with a Joining Fee of ₹5,999 + GST and an Annual Fee (applicable from second card anniversary year) of ₹5,999 + GST. The Joining Fee will be levied on credit card application approval.

Annual fee

The Mayura Credit Card comes with a Joining Fee of ₹5,999 + GST and an Annual Fee (applicable from second card anniversary year) of ₹5,999 + GST. The Joining Fee will be levied on credit card application approval.

Add-on card fee

Joining Fee (Metal Variant) ₹4,000 + GST

Welcome benefit

On payment of joining fee, you can earn up to 12,000 reward points as a joining benefit.

Reward rate

5X Reward Points on spends up to ₹20,000 in a statement cycle; 10X Reward Points on incremental spends above ₹20,000 in a statement cycle; 1X = 1 Reward Point per ₹150 spent

Reward earning on international spends

5X Reward Points on international spends.

Travel earning

30X Bonus Reward Points on Hotel Bookings; 15X Bonus Reward Points on Flight Bookings via “FIRST Rewards Gallery” Section on IDFC FIRST Bank Mobile App.

Utilities earning

1X Reward Points on Insurance, Utility, Railways and Fastag transactions; 3X Reward Points on Rent, Education, Government and Wallet Load transactions.

Reward exclusions

Reward points will not be given on spends converted to EMI, Cash Withdrawal, Fuel, Fee and Charges.

Reward caps

Capped at 25,000 bonus Reward Points per month.

Catalogue redemption

1 Point = ₹0.5 (On Hotel/Flight Bookings via “FIRST Rewards Gallery” Section on IDFC FIRST Bank Mobile App); 1 Point = ₹0.25 (Everywhere else)

Redeeming points for travel

Redeem for hotel and flight bookings via the FIRST Rewards Gallery section on the IDFC FIRST Bank Mobile App; each reward point is worth ₹0.50.

Voucher and product redemption

Gift vouchers, products on the FIRST Rewards Gallery section on the IDFC FIRST Bank Mobile App, and Pay using reward points on online transaction: each reward point is worth ₹0.25.

Point expiry

Never-expiring reward points; the reward points remain valid till the credit card is active

Domestic lounge access

4 complimentary visits per quarter to airport lounges at airport terminals in India, 1 guest visit per quarter included; availed in the next calendar month by spending ₹20,000 or more in the current calendar month

International lounge access

4 complimentary visits per quarter to global airport lounges; availed in the next calendar month by spending ₹20,000 or more in the current calendar month.

Hotel or travel programme

Flat discount of ₹5000 on a minimum booking of ₹25,000 at The Postcard’s luxury hotels and resorts, once every calendar quarter; valid till 10th Feb 2027

Hotel or travel programme

4 complimentary railway lounge visits per quarter across India; spend ₹20,000 within the current calendar month to access railway lounge benefits in the following month

Dining programme

VISA Infinite Privileges: delectable dining discounts, up to 20% off total bill when you pay with your card at any participating restaurants

Golf

Up to 24 complimentary golf rounds/lessons per year; unlock a golf round/lesson per month on spending ₹20,000 and ₹40,000, respectively in the previous statement cycle

Concierge

Concierge at your fingertips: a modern, personalized experience for self-booking your dining, staycations, flights and activities.

Milestone benefits

4,000 reward points on net spends of ₹20,000 or more in the 2nd statement cycle, and 4,000 reward points on net spends of ₹20,000 or more in the 3rd statement cycle, applicable only after successful realization of the joining fee

Renewal benefit

Spend minimum ₹8 Lakhs in the previous card anniversary year and get 7,500 Reward Points (worth up to ₹3,750) OR spend minimum ₹15 Lakhs and get 15,000 Reward Points (worth up to ₹7,500)

Membership tiers and what unlocks them

Mastercard World Privileges: complimentary 1-year Travel Tier membership worth £299 per year at Little Emperors, with access to exclusive rates and benefits at over 5,000 hotels worldwide

Movie or entertainment ticket benefit

Buy one get one free offer on Movie Tickets with up to ₹500 off on the second ticket, twice in a calendar month, via District App by Zomato; spend ₹20,000 in the current calendar month to avail the benefit in the next month

Fuel surcharge waiver

Avail 1% Fuel Surcharge Waiver up to ₹300 in a statement cycle at all fuel stations across India on transactions between ₹200 & ₹5,000.

Air accident cover

Air Accident Cover of ₹1 Crore.

Insurance benefit

Free trip cancellation cover of up to ₹50,000, protecting the non-refundable portion of hotel and flight cancellations

Lost card liability

Lost Card Liability Cover of ₹50,000.

Travel insurance

Comprehensive travel insurance coverage up to USD 1200

Forex markup

0% on foreign currency transactions.

Cash advance fee

Cash Advance Fee of ₹199/- + GST is applicable per transaction

Cash advance interest

Interest-free global ATM cash withdrawals for up to 45 days

Interest on unpaid balance

Monthly Rate 0.71% - 3.85% (Annual Rate 8.5% - 46.2%)

Interest-free period

48 days interest-free when you pay in full.

Late payment fee

Late payment charges: 15% of the Total Amount Due (subject to a minimum of ₹100 and a maximum of ₹1250)