IDFC FIRST Mayura Credit Card: Fees, Benefits & Real Value

Affiliate disclosure. CreditSmart may earn a referral commission when readers apply through links on this page. Our editorial ratings, comparisons, and analysis stay independent of any commercial relationship — see our editorial policy and research methodology.
Verified against IDFC FIRST Bank (June 2026): Premium metal card, zero forex markup. Up to 10X rewards on monthly spends above ₹20,000; 30X on hotels and 15X on flights via the FIRST Rewards Gallery; complimentary lounge access. 2026 devaluations: international/forex earning cut to up to 5X (from 10X); BOGO movie now needs ₹20,000 prior-month spend; reward points earned only on spends up to the credit limit; on several cards the earning base moved from ₹150 to ₹200. Confirm current terms on idfcfirstbank.com before applying.

IDFC FIRST Mayura Credit Card Review

IDFC FIRST Bank · Premium metal card · Visa Infinite
Our score: 7.5 / 10
Metal · 0% forex
Up to 10X rewards
Lounge access
2026 devaluations

The IDFC FIRST Mayura is the bank’s flagship premium metal card — zero forex, accelerated rewards and travel perks. It remains attractive, but IDFC made several reward cuts in 2026 that change the maths, so it’s important to read the current terms. Here is the verified review.

TL;DR: A premium metal card with zero forex markup, up to 10X rewards on monthly spends above ₹20,000, 30X/15X on hotels/flights via the Rewards Gallery, and lounge access. But 2026 brought devaluations — international earning cut to up to 5X, a spend condition on the movie BOGO, rewards capped at the credit limit, and a ₹150→₹200 earning base on several cards. Still a strong zero-forex travel card if you spend above ₹20k a month; just calibrate expectations to the new rates.
What we like
  • Metal card with zero forex markup
  • Up to 10X rewards above ₹20,000 monthly spend
  • 30X hotels / 15X flights via Rewards Gallery
  • Complimentary lounge access
  • Premium travel positioning
Watch out for (2026 changes)
  • International earning cut to up to 5X (from 10X)
  • Movie BOGO now needs ₹20,000 prior-month spend
  • Rewards earned only up to the credit limit
  • Earning base revised ₹150 → ₹200 on several cards
  • Read the latest MITC before applying

Rewards & benefits

ItemDetail
CardMetal; zero forex markup
Accelerated rewardsUp to 10X on monthly spends above ₹20,000
Travel bookings30X hotels / 15X flights (FIRST Rewards Gallery)
International earningUp to 5X (reduced from 10X in 2026)
LoungeComplimentary domestic & international access
Movie BOGONow requires ₹20,000 prior-month spend

Eligibility & documents

Age

21 to 60 years

Income

Per IDFC premium norms

Recommended CIBIL

~750+

Network

Visa Infinite

Forex

0% markup

Documents

PAN, Aadhaar, income & address proof

The real picture after 2026 changes

The Mayura’s headline strengths — metal build, zero forex, lounges and up to 10X on higher monthly spends — still make it a capable premium travel card. But IDFC’s 2026 revisions matter: international earning halved to up to 5X, the movie BOGO now carries a spend condition, rewards stop accruing beyond your credit limit in a cycle, and the earning base moved to ₹200 on several products. Run your own numbers against the current MITC rather than older 10X-everywhere reviews.

Who this card is for

  • Best fit: premium spenders (₹20k+/month) who value zero forex and lounge access.
  • Skip if: you relied on the old high international rate or spend lightly.

How to apply & how to cancel

Apply: via idfcfirstbank.com. Cancel: call IDFC FIRST customer care after clearing dues; redeem points first.

Final verdict

The IDFC FIRST Mayura remains a solid zero-forex premium metal card with strong domestic earning and lounges — but the 2026 devaluations (especially the international cut and credit-limit reward cap) have trimmed its edge. Evaluate it on the current rates, and if you spend above ₹20k a month and travel, it still earns a place.

Frequently asked questions

Is there a forex markup?

No — the Mayura is a zero-forex metal card.

How rewarding is it?

Up to 10X on monthly spends above ₹20,000, with 30X/15X on hotels/flights via the Rewards Gallery — though international earning was cut to up to 5X in 2026.

What changed in 2026?

International earning reduced to 5X, movie BOGO now needs ₹20,000 prior-month spend, rewards earned only up to the credit limit, and the earning base moved from ₹150 to ₹200 on several cards.

Does it offer lounge access?

Yes — complimentary domestic and international lounge access.

Data current as of June 2026, cross-checked against IDFC FIRST Bank and aggregators. Reward rates were revised in 2026 — confirm the latest MITC on idfcfirstbank.com before applying.

Leave a Reply

Share your experience with the IDFC FIRST Mayura Credit Card

Real cardholder stories help everyone make smarter choices. Tell us about:

  • Approval timeline and credit-line you got
  • Reward redemption — did the math match the marketing?
  • Customer service or app experience
  • Hidden charges, fee waiver triggers that worked or didn't

No login required. Comments are moderated; spam is filtered automatically.

Your email address will not be published. Required fields are marked *