IDFC FIRST Bank Mayura Credit Card
IDFC FIRST Bank
Annual / renewal fee
₹5,999 + GST (applicable from second card anniversary year).
VerifiedMayura Credit Card product page15 Jul 2026, 1:05 PM ISTIDFC FIRST Bank
Earn rate
- 10 reward points per ₹150 on eligible incremental spends above ₹20,000 in a statement cycle.
- 5 reward points per ₹150 on eligible spends up to ₹20,000.
- 5 reward points per ₹150 on international transactions.
- 3 reward points per ₹150 on Rent, Government, Wallet Load and Education.
- 1 reward point per ₹150 on Fastag, Railways, Insurance and Utilities.
- FIRST Digital Rupay Credit Card: 3 reward points per ₹150 on UPI transactions above ₹2,000.
- 1 reward point per ₹150 on UPI transactions up to ₹2,000 and on insurance and utilities.
VerifiedMayura Credit Card - Reward Points Structure Terms & Conditions15 Jul 2026, 1:05 PM ISTIDFC FIRST Bank
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You'll land on the issuer's official application portal at linksredirect.com — if a different card is shown first, use its card selector to pick this one.
COFFER may earn a fee when you apply through this link. Facts are never affected. Learn more.
You'll land on the issuer's official application portal at linksredirect.com — if a different card is shown first, use its card selector to pick this one.
Overview
Mayura Credit Card by IDFC FIRST Bank. Facts on this page are extracted and verified automatically from official issuer documents.
Fees
Joining fee
₹5,999 + GST.
VerifiedMayura Credit Card product page15 Jul 2026, 1:05 PM ISTIDFC FIRST Bank
Annual / renewal fee
₹5,999 + GST (applicable from second card anniversary year).
VerifiedMayura Credit Card product page15 Jul 2026, 1:05 PM ISTIDFC FIRST Bank
Fee waiver
Confirm on the official page
Official source not yet captured
Rewards
- 10 reward points per ₹150 on eligible incremental spends above ₹20,000 in a statement cycle.
- 5 reward points per ₹150 on eligible spends up to ₹20,000.
- 5 reward points per ₹150 on international transactions.
- 3 reward points per ₹150 on Rent, Government, Wallet Load and Education.
- 1 reward point per ₹150 on Fastag, Railways, Insurance and Utilities.
- FIRST Digital Rupay Credit Card: 3 reward points per ₹150 on UPI transactions above ₹2,000.
- 1 reward point per ₹150 on UPI transactions up to ₹2,000 and on insurance and utilities.
VerifiedMayura Credit Card - Reward Points Structure Terms & Conditions15 Jul 2026, 1:05 PM IST
Redemption value
- 1 Reward Point = ₹0.50 on travel bookings (hotel & flights only) via FIRST Rewards Gallery/Travel & Shop section on IDFC FIRST Bank Mobile App.
- 1 Reward Point = ₹0.25 on all other redemptions (gift vouchers, products, and Pay using reward points).
- Reward Redemption Fee: ₹99 per redemption transaction.
VerifiedMayura Credit Card product page15 Jul 2026, 1:05 PM ISTIDFC FIRST Bank
Reward cap
- Total bonus reward points that can be earned in a calendar month: 25,000.
- Redeemable reward points capping: 1,50,000 per calendar month and 3,00,000 per calendar year.
- Rewards earned only for spends up to credit limit per billing cycle.
VerifiedMayura Credit Card - Reward Points Structure Terms & Conditions15 Jul 2026, 1:05 PM ISTIDFC FIRST Bank
Reward exclusion
VerifiedMayura Credit Card - Reward Points Structure Terms & Conditions15 Jul 2026, 1:05 PM ISTIDFC FIRST Bank
Travel & lounge
Lounge access
- Airport lounge: Up to 4 complimentary visits per quarter to select lounges and spas in Indian airports (domestic and international), including 1 complimentary visit per quarter for accompanying guest.
- Up to 4 complimentary visits per quarter to lounges at select overseas airport terminals.
- Airport spa: one service (Foot Reflexology / Head or Shoulder Massage / Upper Back Massage) up to 30 minutes.
- Railway lounge: up to 4 complimentary visits per quarter.
- All subject to minimum monthly spends of ₹20,000 (spends between 1st and last day of a calendar month counted for access in next month).
- ₹2 nominal charge on card for authorization.
VerifiedMayura Credit Card Privileges / Reward Program & Benefits document15 Jul 2026, 1:05 PM ISTIDFC FIRST Bank
Travel benefit
Complimentary Road Side Assistance (RSA) all over India, up to 4 times in a year, worth ₹1,399, through Global Assure (available via toll-free number).
VerifiedMayura Credit Card Privileges / Reward Program & Benefits document15 Jul 2026, 1:05 PM ISTIDFC FIRST Bank
Dining, golf, concierge, insurance, milestones & welcome
Welcome benefit
- Joining Fee Payment Benefit (cards generated on/after 1 Sept 2025): up to 12,000 reward points across 3 milestones - 4,000 reward points on successful realization of the joining fee, 4,000 on net spends of ₹20,000 or more in the 2nd statement cycle, and 4,000 on net spends of ₹20,000 or more in the 3rd statement cycle.
- Available only once per customer.
VerifiedMayura Credit Card - Joining Fee Payment Benefit Terms & Conditions15 Jul 2026, 1:05 PM ISTIDFC FIRST Bank
Golf benefit
- Up to two (2) complimentary golf rounds or golf lessons every month for every ₹20,000 of monthly statement spends: one complimentary golf round/lesson for fresh monthly statement spends of ₹20,000, two for fresh monthly statement spends of ₹40,000 and above.
- Booking via Golftripz.
- Card Validation Fee of ₹2 per booking.
VerifiedMayura Credit Card Privileges / Reward Program & Benefits document15 Jul 2026, 1:05 PM ISTIDFC FIRST Bank
Insurance
- Complimentary insurance coverages (via National Insurance Company Ltd): Card Liability Cover ₹50,000.
- Personal Accident (death/permanent disability) ₹10,00,000.
- Credit Shield ₹50,000.
- Purchase Protection ₹50,000.
- Personal Air Accident ₹1,00,00,000.
- Travel Insurance - Loss of Checked-In Baggage USD 500, Delay in Flight USD 300, Delay of Checked-In Baggage USD 100, Loss of Passport and other documents USD 300.
- Cover applicable for active card (at least 1 purchase/ATM withdrawal in last 30 days).
- Travel/air accident cover applicable only if ticket purchased using the card.
VerifiedMayura Credit Card Privileges / Reward Program & Benefits document15 Jul 2026, 1:05 PM ISTIDFC FIRST Bank
Milestone benefit
- Annual Fee Payment Benefit: On payment of annual fee of ₹5,999 + GST, spend minimum ₹8,00,000 in the previous card anniversary year and get 7,500 Reward Points (worth up to ₹3,750), OR spend minimum ₹15,00,000 and get 15,000 Reward Points (worth up to ₹7,500).
- Only one of the two benefits can be availed.
- Also: Accelerated bonus reward points on Travel & Shop bookings - 30 bonus reward points per ₹150 on hotels, 15 bonus reward points per ₹150 on flights (bonus capped at 25,000 points/month). | Movie Offer: Buy one movie ticket and get up to ₹500 off on the second movie ticket on BookMyShow website and mobile application, twice in a calendar month (maximum discount ₹1,000 per month in split of up to two transactions).
- Valid till 31st March 2025.
VerifiedMayura Credit Card - Annual Fee Payment Benefit Terms & Conditions15 Jul 2026, 1:05 PM ISTIDFC FIRST Bank
Eligibility
Not published in the official documents on file — see the official T&C link below.
Charges & interest
Forex markup
Nil (zero) markup charges on foreign currency transactions and Dynamic & Static Currency Conversion transactions.
VerifiedMost Important Terms & Conditions (MITC) - all cards, governs Mayura, effective 18 June 202615 Jul 2026, 1:05 PM ISTIDFC FIRST Bank
Charge
- Charges effective 18 June 2026: Add-on card fee (Metal Variant joining ₹4,000 / Plastic Variant joining ₹3,000; Annual fee both variants ₹2,000).
- Finance charge (interest on purchases/cash advances/outstanding): Monthly 0.71%-3.85% (Annual 8.5%-46.2%).
- Overdue interest Monthly 3.99% (Annual 47.88%).
- Cash advance transaction fee: ₹199.
- Late payment charges: 15% of Total Amount Due (min ₹100, max ₹1,300).
- Over-limit charges: 2.5% of over-limit amount (min ₹550).
- Return of cheque/Auto-Debit SI/Payment Return: 2% of payment amount (min ₹500).
- Reward Redemption Fee: ₹99 per redemption.
- Card replacement fee (Metal Variant): ₹3,500.
- Rent and Property Management Fee: 1% (min ₹249 per transaction, domestic only).
- Utility Fee: 1% if utility spends exceed ₹20,000/statement cycle.
- Passenger Railways Transaction Fee: 1% if railway spends exceed ₹25,000/cycle.
- Tolls and Bridges Transaction Fee: 1% if spends exceed ₹10,000/cycle.
- Education Payment Fee: 1% on education spends via third-party apps (min ₹249).
- GST: 18% on all fees, interest and charges.
- Cash payment at branches, duplicate statement, outstation cheque, cheque/cash processing, charge slip request: NIL.
VerifiedMost Important Terms & Conditions (MITC) - all cards, governs Mayura, effective 18 June 202615 Jul 2026, 1:05 PM ISTIDFC FIRST Bank
Fuel surcharge waiver
- 1% Fuel Surcharge Waiver on fuel transactions valued between ₹200 and ₹5,000.
- Maximum fuel surcharge waiver of ₹300 per statement cycle.
- Fuel Fee: 1% fee applied to total fuel spends only if total fuel spends in a statement cycle exceed ₹30,000.
VerifiedMost Important Terms & Conditions (MITC) - all cards, governs Mayura, effective 18 June 202615 Jul 2026, 1:05 PM ISTIDFC FIRST Bank
Interest-free period
- Interest-free (grace) period of up to 45 days, varying by transaction date and statement date.
- Not applicable if the previous month's statement balance has not been cleared in full by the due date.
VerifiedMost Important Terms & Conditions (MITC) - all cards, governs Mayura, effective 18 June 202615 Jul 2026, 1:05 PM ISTIDFC FIRST Bank
Transfers
Not published in the official documents on file — see the official T&C link below.
Common questions
What is the annual fee on the Mayura Credit Card?
Officially traced: Rs. 5,999 + GST (applicable from second card anniversary year).
Mayura Credit Card product pageWhat is the joining fee on the Mayura Credit Card?
Officially traced: Rs. 5,999 + GST.
Mayura Credit Card product pageHow does the Mayura Credit Card earn rewards?
10 reward points per Rs. 150 on eligible incremental spends above Rs. 20,000 in a statement cycle; 5 reward points per Rs. 150 on eligible spends up to Rs. 20,000; 5 reward points per Rs. 150 on international transactions; 3 reward points.
Mayura Credit Card - Reward Points Structure Terms & ConditionsWhat lounge access does the Mayura Credit Card include?
Airport lounge: Up to 4 complimentary visits per quarter to select lounges and spas in Indian airports (domestic and international), including 1 complimentary visit per quarter for accompanying guest; up to 4 complimentary visits.
Mayura Credit Card Privileges / Reward Program & Benefits documentWhat welcome benefit does the Mayura Credit Card offer?
Joining Fee Payment Benefit (cards generated on/after 1 Sept 2025): up to 12,000 reward points across 3 milestones - 4,000 reward points on successful realization of the joining fee, 4,000 on net spends of Rs. 20,000 or more in the 2nd.
Mayura Credit Card - Joining Fee Payment Benefit Terms & ConditionsWhat are the transfer ratios for Mayura Credit Card points?
Transfer ratios are not shown here as a confident value. Confirm the current ratio in your issuer account before transferring.
Other verified details
Not published in the official documents on file — see the official T&C link below.
Official documents & verification
Official terms
https://www.idfcfirst.bank.in/credit-card/metal-credit-card/mayura.
VerifiedMayura Credit Card product page15 Jul 2026, 1:05 PM ISTIDFC FIRST Bank
Verified 2026-07-15 · facts from the official issuer page. Issuers may change fees, earn rates, lounge counts and waivers without notice — always confirm before applying.
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