IDFC FIRST Mayura Credit Card Review
The IDFC FIRST Mayura is IDFC FIRST’s premium metal card, a step above the Ashva. It keeps the same 5X/10X earning structure but values points higher on travel (₹0.50), doubles international lounge access and keeps 5X on international spends.
Like the Ashva, its lounges depend on ₹20,000 of spending in the previous month, and its fee has no waiver — only points back at ₹8 lakh and ₹15 lakh.
- 0% forex markup and 5X on international spends
- Points worth ₹0.50 on travel bookings (up to 70% of the booking)
- 16 international lounge visits a year
- 12,000 joining points; 15,000 points back at ₹15 lakh
- Golf (4 rounds, 12 lessons a year) and trip cancellation up to ₹50,000
- ₹5,999 fee with no waiver
- Lounges need ₹20,000 previous-month spend
- App travel bonus capped at 25,000 points a month
- Redemption capped at 1.5 lakh points a month
- Earn limited to your credit limit each cycle
Fees and charges
| Item | Detail |
|---|---|
| Joining / annual fee | ₹5,999 + GST (no waiver; 7,500 points at ₹8 lakh, 15,000 at ₹15 lakh) |
| Add-on metal card | ₹4,000 |
| Forex markup | 0% |
Rewards: how the card earns
| Spend | Multiplier (1X = 1 point per ₹150) |
|---|---|
| Up to ₹20,000 a cycle | 5X |
| Above ₹20,000; birthday spends | 10X |
| International | 5X (counts towards the 10X threshold) |
| Hotels / flights via the app | 30X / 15X (bonus cap 25,000 a month) |
| Rent, education, government, wallet | 3X |
| Insurance, utilities, railways, FASTag | 1X |
Points are worth ₹0.50 on travel bookings and ₹0.25 elsewhere, and never expire. Redemption caps: 1.5 lakh points a month and 3 lakh a year. See our Ashva review for a side-by-side of the two metal cards.
IDFC FIRST changes in 2026: from 18 June 2026 points accrue only on spends up to your credit limit in each cycle, and IDFC FIRST has removed the forex markup on its credit cards (ATM withdrawals abroad still carry 1% + GST).
What earns nothing
Fuel, EMI and cash earn no points.
Other benefits
| Benefit | Detail |
|---|---|
| Lounges | 4 domestic (including 1 guest) and 4 international a quarter, after ₹20,000 previous-month spend |
| Golf | 4 rounds and 12 lessons a year (Mastercard) |
| Insurance | Trip cancellation up to ₹50,000; travel insurance up to USD 1,200 |
| Movies | Buy-one-get-one up to ₹500 off |
| Network | Mastercard World / Visa Infinite privileges listed |
Eligibility
Issuer
IDFC FIRST Bank
Type
Metal card
Sibling
IDFC FIRST Ashva
Who this card is for
- Good fit: frequent international travellers spending ₹1 lakh+ a month who redeem points on travel.
- Skip if: you spend under ₹60,000 a month — the Ashva gives most of the value for half the fee.
Alternatives worth comparing
Final verdict
A well-rounded premium travel card with zero forex, strong international lounge access and better point value than the Ashva. Worth the higher fee only if you spend ₹1 lakh+ a month and travel abroad.
Frequently asked questions
What is the Mayura fee?
₹5,999 + GST with no waiver; 7,500 points back at ₹8 lakh and 15,000 at ₹15 lakh annual spend.
How much is a Mayura point worth?
₹0.50 on travel bookings (up to 70% of the booking) and ₹0.25 elsewhere.
Is there a forex markup?
No, 0%.
How many lounge visits do I get?
4 domestic (including 1 guest) and 4 international a quarter, after ₹20,000 spend in the previous month.
How is Mayura different from Ashva?
Higher point value on travel, more international lounges, 5X international (no October 2026 cut) and a higher fee.
Last verified: October 2026, against IDFC FIRST Bank’s Mayura product page. Card terms change often; confirm the current fees and reward rules on the issuer’s website before you apply. All fees are plus 18% GST.