IDFC FIRST Mayura Credit Card Review
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.
- 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
- 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
| Item | Detail |
|---|---|
| Card | Metal; zero forex markup |
| Accelerated rewards | Up to 10X on monthly spends above ₹20,000 |
| Travel bookings | 30X hotels / 15X flights (FIRST Rewards Gallery) |
| International earning | Up to 5X (reduced from 10X in 2026) |
| Lounge | Complimentary domestic & international access |
| Movie BOGO | Now 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.