All cards / IDFC FIRST Bank
IDFC FIRST Mayura Credit Card
IDFC FIRST's flagship metal card for frequent travellers — a genuine 0% forex markup, extensive complimentary lounge access, and CFAR travel insurance — offset by a steep non-waivable annual fee and a ₹25 LPA income bar.
Annual fee
₹5,999
Joining fee
₹5,999
Reward type
points
Base reward rate
0.83%
Card network
Visa
Card tier
Premium
Who this card fits
Best suited to applicants with a credit score of roughly 700+ whose spend is concentrated in travel, dining. It's worth the annual fee mainly if your points value clears it.
Rewards & benefits
- Movie & dining: Buy-one-get-one movie tickets twice a month via the District app
- Rewards rate: 0.83% base rate
- Travel: 0% forex markup on all international spends; 16 complimentary railway lounge visits/year
- Domestic lounge access: Up to 16 complimentary domestic airport lounge visits/year, unlocked by ₹20,000 monthly spend
- International lounge access: Up to 16 complimentary international airport lounge visits/year, unlocked by ₹20,000 monthly spend
- Insurance benefits: Cancel For Any Reason (CFAR) travel cover reimbursing up to ₹50,000, twice a year, on non-refundable flight/hotel bookings
Benefits by category
- ✈️ Travel
Up to 16 complimentary domestic, 16 international, and 16 railway lounge visits annually, unlocked by ₹20,000 monthly spend
- 🏨 Hotel
Up to 10X reward points on cumulative monthly spends above ₹20,000 (1 point = ₹0.50 for flights/hotels, ₹0.25 otherwise) · Cancel For Any Reason (CFAR) travel insurance reimbursing up to ₹50,000, twice a year, on non-refundable flight/hotel bookings
- 🛡️ Insurance
Cancel For Any Reason (CFAR) travel insurance reimbursing up to ₹50,000, twice a year, on non-refundable flight/hotel bookings
- 🌍 Forex / international spend
0% forex markup on all international transactions · 0% forex markup on international transactions
Eligibility
- Minimum credit score: 700
- Minimum monthly income: ₹2,08,333
- Employment: salaried, self-employed
- Age: 21–65
Fees & charges
- Foreign currency markup: 0%
Benefits
- Up to 10X reward points on cumulative monthly spends above ₹20,000 (1 point = ₹0.50 for flights/hotels, ₹0.25 otherwise)
- Up to 12,000 reward points on first transaction within 30 days, plus ₹4,000 cashback across four ₹1,000 transactions within the first 60 days
- Up to 16 complimentary domestic, 16 international, and 16 railway lounge visits annually, unlocked by ₹20,000 monthly spend
- 0% forex markup on all international transactions
- Cancel For Any Reason (CFAR) travel insurance reimbursing up to ₹50,000, twice a year, on non-refundable flight/hotel bookings
- Buy-one-get-one movie tickets twice a month via the District app
Pros
- + True 0% forex markup
- + Extensive lounge access across domestic, international and railway lounges
- + Strong welcome offer and CFAR travel insurance
Cons
- − High, non-waivable ₹5,999 annual fee
- − Most headline benefits require ₹20,000+ monthly spend
- − High income eligibility (₹25 LPA)
Related guides