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REWARD POINTS CARD

Mayura Credit Card

IDFC FIRST Bank

A metal credit card with 0% forex markup, bonus reward points on hotel and flight bookings via the IDFC FIRST Bank mobile app, airport and railway lounge visits, and a joining-fee reward benefit.

Joining fee is payable upfront for dispatch and is non-refundable. The 10X rate applies only above ₹20,000 spends in a statement cycle. Lounge access is unlocked by ₹20,000 spend in the previous calendar month.

Mayura Credit Card
ANNUAL FEE
₹5,999 + GST
JOINING FEE
₹5,999 + GST
REWARDS
Not stated
Earning terms not yet recorded
KEY BENEFIT
Bonus 30X (hotels) and 15X (flights) reward points on bookings via the IDFC FIRST Bank mobile app
BEST FOR
Included: May suit cardholders with regular travel and international spends who can reach ₹20,000 of eligible spends in a.
Included: May suit those who book hotels and flights through the IDFC FIRST Bank mobile app.
Included: May suit travellers who make international purchases and want 0% forex markup.
Included: May suit those who can meet the ₹20,000 monthly spend that unlocks lounge access.
Limitation: Those who prefer no joining or annual fee, or whose spends are mainly fuel, EMI may wish to compare other cards.
Limitation: Those who want a card with no joining fee or annual fee may wish to compare other cards.
Limitation: Those whose spends are largely fuel, EMI or fees, which earn no reward points may wish to compare other cards.
Limitation: Those who spend under ₹20,000 a month may wish to compare other cards.
Typical fit only. This is not personalised advice and not an indication of approval.
GOOD TO KNOW
Condition: Effective 18 June 2026, reward points are earned only on spends up to the credit limit per billing cycle; additional spends are not eligible.
Condition: Lounge, railway lounge and movie offers need ₹20,000 spend in the current calendar month to use in the next month.

Rewards & real value

What the card earns, and what changes that figure in practice.
WHAT THE CARD EARNS
EVERYTHING ELSE
Not stated
No earning rate recorded for this card
REWARD POINT VALUE
Not stated
Effective return cannot be calculated without it

Eligibility

Minimum income
Not stated
Minimum age
Not stated
Maximum age
Not stated

Fees & ownership

Joining fee
₹5,999 + GST
Annual / renewal fee
₹5,999 + GST
Fee waived at
Not stated
Forex markup
0%
Finance charge
Not stated
Cash withdrawal fee
₹199 + GST
Late-payment charge
Not stated
Interest-free period
Not stated

Benefits & privileges

TRAVEL
Domestic airport lounge
4 visits per quarter — 4 visits per quarter (incl. 1 guest visit) · Guest visit is part of the 4; unlocked by ₹20,000 spend in prior month; extra visits chargeable · ₹20,000 in the current calendar month to use the benefit in the next month
International airport lounge
4 visits per quarter — 4 visits per quarter · Via DreamFolks card; some lounges need booking up to 48 hours ahead; ₹2 card-check charge on online booking · ₹20,000 in the current calendar month to use the benefit in the next month
Railway lounge
4 visits per quarter — 4 visits per quarter at select railway lounges in India · Shared with add-on cardholders; ₹20,000 monthly spend rule effective 20 Feb 2025; ₹2 card-check charge · ₹20,000 in the current calendar month to use the benefit in the next month
Lounge spend requirement
Not stated
Lounge programme
DreamFolks (global lounges); EliteAssist (Indian airport lounges)
EVERYDAY
Fuel
1% waiver up to ₹300 per statement cycle on fuel transactions of ₹200–₹5,000, at all fuel stations in India
Dining
Up to 20% off total bill at participating restaurants when paying with the card
RuPay / UPI
Not stated

Caps, exclusions and redemption

Major excluded categories
No points or lower rates on: fuel, EMI conversions, cash withdrawals, fees and charges, loan on card, balance transfers, spends below ₹150; rent, education, govt, wallet load, utilities, insurance, railways, Fastag earn 3X/1X only; No reward points on fuel, spends converted to EMI, fees/charges and related GST, loan on card, balance transfers, cash withdrawals, and transactions below ₹150
Categories earning nothing
Not stated
Monthly reward cap
Not stated
Annual reward cap
Not stated
Reward point value
Not stated
Points expiry
Not stated
Redemption fee
Not stated
Minimum redemption
Not stated
Credited automatically
Credited automatically

Who this card may suit

MAY SUIT
Included: Bonus 30X (hotels) and 15X (flights) reward points on bookings via the IDFC FIRST Bank mobile app
Included: Metal card with 0% forex markup on international transactions.
Included: Bonus reward points on hotel and flight bookings via the IDFC FIRST Bank mobile app; points are worth ₹0.50 each on those bookings.
Included: 4 Indian and 4 global airport lounge visits per quarter, plus 4 railway lounge visits per quarter, subject to prior-month spend.
MAY NOT SUIT
Not stated
Typical fit only, based on the card’s own published terms. This is not personalised advice and not an indication of approval.
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Figures last checked 31 Oct 2026 against the issuer’s published terms.