IDFC FIRST Bank Mayura Credit Card
IDFC FIRST Bank · Open to apply
IDFC FIRST's ₹5,999 metal card. It earns 5 points per ₹150 on the first ₹20,000 of a statement cycle and 10 per ₹150 above it, with points worth ₹0.50 on flights and hotels in the bank's app (₹0.25 elsewhere), large app travel bonuses, zero forex markup, 4 domestic and 4 international lounge visits a quarter on ₹20,000 of monthly spend, and up to 15,000 points a year on high annual spend.
- Annual fee
- ₹5,999 + GST a year
- Joining fee
- ₹5,999 + GST
- Base rate
- 5X on the first ₹20,000 of a statement cycle, 10X above it (per ₹150): 5 IDFC FIRST Bank reward points per ₹150 up to ₹20,000; 10 IDFC FIRST Bank reward points per ₹150 above ₹20,000 (about 1.67% at cash value)
- Lounges
- Domestic: 4 visits a calendar quarter after ₹20,000 spend; International: 4 visits a calendar quarter after ₹20,000 spend; Railway: 4 visits a calendar quarter after ₹20,000 spend
- Forex markup
- 0%
- Data
- From bank documents, checked 6 Nov 2026
Main earn rates
- Hotels booked in the IDFC FIRST app, 30 bonus points per ₹150: 30 IDFC FIRST Bank reward points per ₹150 on top of the base rate (about 10% at cash value)
- Flights booked in the IDFC FIRST app, 15 bonus points per ₹150: 15 IDFC FIRST Bank reward points per ₹150 on top of the base rate (about 5% at cash value)
Earns nothing on
- No points on fuel, EMI and cash withdrawals
Where the sources disagree
- The Postcard Hotels offer frequency: The product page says the ₹5,000 offer can be used once every calendar quarter; the Postcard offer PDF says once per month per card. We record the product page's quarterly limit (the lower of the two).
Terms the calculator does not value
- International spends (and FIRST Digital UPI spends) count toward the ₹20,000 statement threshold for 10X although they earn their own rate; the calculator's tier counts only spend under the base rule.
- The FAQ also gives 10X on "birthday spends"; the rewards T&C does not mention it, so it is not modelled.
- Points are reversed for a statement cycle in which the minimum amount due is not paid by the due date. From 18 June 2026 points are earned only on spends up to the credit limit in a billing cycle.
- Travel redemption at ₹0.50 a point is limited to 70% of a booking, 1,50,000 points a calendar month and 3,00,000 a calendar year; the calculator applies the yearly cap only.
Sources
- Mayura Credit Card product page, with fees, rewards, privileges and FAQ (Product page, the bank's own, read 6 Nov 2026)
- IDFC FIRST Bank credit card Most Important Terms and Conditions (MITC) (Most important terms (MITC), the bank's own, read 6 Nov 2026)
- Mayura Credit Card Reward Points Terms & Conditions (Reward terms, the bank's own, read 6 Nov 2026)
- Bank letter: Important update regarding your Mayura Credit Card (May 2026, effective 18 June 2026) (Bank notice, the bank's own, read 6 Nov 2026)
- Mayura Credit Card Joining Fee Payment Benefit T&C (Reward terms, the bank's own, read 6 Nov 2026)
- Mayura Credit Card Annual Fee Payment Benefit T&C (Reward terms, the bank's own, read 6 Nov 2026)
- Mayura Credit Card airport lounge program T&C (Reward terms, the bank's own, read 6 Nov 2026)
- IDFC FIRST Bank credit card insurance privileges (Reward terms, the bank's own, read 6 Nov 2026)
- Trip Cancellation (Cancel For Any Reason) cover T&C, Mayura (Reward terms, the bank's own, read 6 Nov 2026)
- Mayura movie offer T&C (District) (Reward terms, the bank's own, read 6 Nov 2026)
- Mayura golf program T&C (Reward terms, the bank's own, read 6 Nov 2026)
- The Postcard Hotels offer for Ashva and Mayura (Reward terms, the bank's own, read 6 Nov 2026)
- Mayura roadside assistance T&C (Reward terms, the bank's own, read 6 Nov 2026)