In-depth review
IDFC FIRST Mayura Credit Card
IDFC's flagship Visa Infinite metal card — a genuine 0% forex, 16+16 lounge visits a year, monthly golf and up to 40X points on in-app travel. A frequent-traveller's card whose ₹5,999 fee is carried by perks, not base rewards. The Jan 2026 cut halved international earn to 5X.
Read the full review →Key features
What this card is built to do — the highlights that actually matter.
Welcome Benefit
~₹3,000 in vouchers, points or cashback in year one — usually conditional on a first spend within 30–90 days
16.67 points/₹100 on Travel (~8.34% value)
Hotels booked in the IDFC FIRST app earn 40 reward points per ₹150 and flights 25 per ₹150, but a single 25,000 bonus-point monthly cap is SHARED across both legs — so a hotel booking and a flight booking compete for one pot. This row carries the conservative flight-leg rate.
0.83% on Other
5 RP per ₹150 up to ₹20,000/month (~0.83%), 10 RP per ₹150 on incremental above ₹20,000 and on birthdays (~1.67%), 3 RP per ₹150 on rent/education/government/wallet; points never expire
Airport Lounge Access
Up to 16 domestic and 16 international airport lounge visits a year (spend-activated on ₹20,000 in the previous month)
Zero Forex Markup
Use abroad without extra charge — swipe internationally like you do domestically.
Golf Privileges
Up to 2 complimentary golf rounds or lessons a month at partner courses; the separate Mastercard India Golf Program (4 rounds + 12 lessons a year) applies only to Mastercard World variants, not Visa
Movie Ticket Benefit
Buy-one-get-one movie ticket up to ₹500 off, twice a calendar month via District by Zomato, on ₹20,000 of spend in the previous month
Milestone Bonus
~₹1,875 in bonus rewards on hitting annual spend milestones
✈️ TRAVEL BENEFITS
Lounge access, miles, forex rates and travel perks at a glance.
AIRPORT LOUNGE ACCESS
✓
Domestic lounges
✓
International lounges
₹24,000
Estimated annual value
0% — Zero!
Forex markup
8.3%
Travel reward rate
AIRLINE / TRAVEL PARTNERS
- Domestic + international airport lounge access (worth ~₹24,000/yr)
- Miles on: the IDFC FIRST app
- 8.3% effective return on travel bookings
- Zero forex markup — zero extra cost abroad
👑 PREMIUM LIFESTYLE BENEFITS
Concierge, golf, hotel membership and high-value perks for premium cardholders.
12 rounds
Golf rounds/year
₹12,000
Golf perk value
₹1,875
Milestone bonus value
- 12 complimentary golf rounds/year at partner courses
- A further 7,500 reward points (15,000 total) on ₹15 lakh of spend in the previous card-anniversary year
🎬 ENTERTAINMENT BENEFITS
Movies, OTT subscriptions and entertainment perks.
- Buy-one-get-one movie ticket up to ₹500 off, twice a calendar month via District by Zomato, on ₹20,000 of spend in the previous month
For frequent international travellers who will genuinely use the 0% forex, 16+16 lounge visits and monthly golf — the perks, not the base rewards, carry the ₹5,999 fee.
Full reward structure
What you earn on every rupee, per spend category — as of 11 Oct 2026. Each rate is converted at that row’s own point value. How we value points →
| Category | Type | Rate | Monthly cap |
|---|---|---|---|
| Travelonly at the IDFC FIRST app | reward points | 8.34%16.67 pts/₹100 × ₹0.50 | ₹12,500 |
| Other | reward points | 0.83%3.33 pts/₹100 × ₹0.25 | — |
| International | reward points | 0.83%3.33 pts/₹100 × ₹0.25 | — |
Travel: Hotels booked in the IDFC FIRST app earn 40 reward points per ₹150 and flights 25 per ₹150, but a single 25,000 bonus-point monthly cap is SHARED across both legs — so a hotel booking and a flight booking compete for one pot. This row carries the conservative flight-leg rate. · the IDFC FIRST app
Other: 5 RP per ₹150 up to ₹20,000/month (~0.83%), 10 RP per ₹150 on incremental above ₹20,000 and on birthdays (~1.67%), 3 RP per ₹150 on rent/education/government/wallet; points never expire
International: 5 RP per ₹150 on international spends (~0.83%; cut from 10X on 18 Jan 2026) with a genuine 0% forex markup
Earns nothing on: Fuel · EMI Conversions · Cash Advances
These spends earn no rewards at all — not a reduced rate, and not the base rate. They are also normally left out of any milestone or fee-waiver calculation.
Fees & charges
The numbers that matter beyond rewards — verify on the issuer site before applying. Fees below are shown inclusive of 18% GST, as of 11 Oct 2026.
| Charge | Amount |
|---|---|
| Annual fee (incl. 18% GST) | ₹7,079 |
| Joining fee (incl. 18% GST) | ₹7,079 |
| Forex markup | 0% |
| Reward redemption fee | ₹99 |
Perks & benefits
Estimated annual value beyond rewards — ~₹48,550/yr in total.
Up to 16 domestic and 16 international airport lounge visits a year (spend-activated on ₹20,000 in the previous month)
Up to 2 complimentary golf rounds or lessons a month at partner courses; the separate Mastercard India Golf Program (4 rounds + 12 lessons a year) applies only to Mastercard World variants, not Visa
Buy-one-get-one movie ticket up to ₹500 off, twice a calendar month via District by Zomato, on ₹20,000 of spend in the previous month
Annual fee payment benefit — 7,500 reward points on ₹8 lakh of spend in the previous card-anniversary year, credited on paying the next annual fee
A further 7,500 reward points (15,000 total) on ₹15 lakh of spend in the previous card-anniversary year
1% fuel-surcharge waiver on fuel transactions between ₹200 and ₹5,000, capped at ₹300 per statement cycle
Milestone ladder
- ₹8,00,000 a year₹1,875 of value
- ₹15,00,000 a year₹1,875 of value
Should you get it?
- Best for: Frequent international travellers who will use the 0% forex, Heavy spenders who book flights and hotels through the IDFC FIRST app
- Super Premium tier — built for high spenders who want top-end perks.
- Strongest value if you spend heavily on everyday spends (0.83% back; 8.34% only at the IDFC FIRST app).
- Frequent travellers benefit from the included airport lounge access.
Pros & cons
✓ Pros
- Genuine 0% forex markup on international spends
- 16 domestic and 16 international lounge visits a year
- 4 railway lounge visits a quarter (on ₹20,000 of spend in the previous month)
- Up to 2 golf rounds or lessons every month
- CFAR trip-cancellation cover up to ₹50,000 twice a year
- ₹5,000 off The Postcard Hotels stays of ₹25,000+ every quarter
- Reward points never expire; ₹0.50/point on in-app travel bookings
✕ Cons
- The ₹5,999 fee has no spend-based waiver — light travellers cannot recover it
- International earn was cut from 10X to 5X on 18 January 2026
- Best lounge/golf value needs ₹20,000+ of spend in the prior month
Eligibility & documents
Documents required
- 📄PAN card
- 📄Aadhaar / address proof
- 📄Income proof (salary slips or ITR)
How to redeem rewards
Ways to convert what you earn into real value.
- 🎁Book flights and hotels on the IDFC FIRST app for ₹0.50 per point
- 🎁Redeem for statement credit and vouchers at ₹0.25 per point
What your IDFC Reward Points are worth
Realistic value per point by redemption route — the difference is what most people leave on the table.
Never-expiring points
Brand & e-gift vouchers
The ₹5,999 fee has no spend waiver, so light travellers cannot recover it on base rewards alone — and the 2026 cut halved the international earn that used to justify carrying it abroad.
Frequently asked questions
What is the forex markup on the IDFC FIRST Mayura?
What is the reward rate on IDFC FIRST Mayura?
Did the Mayura rewards change in 2026?
Does it matter whether my Mayura is Visa or Mastercard?
How has the IDFC FIRST Mayura Credit Card changed over time?
Has the IDFC FIRST Mayura Credit Card been devalued recently?
How did the IDFC FIRST Mayura Credit Card change in 2026?
The bottom line
Mayura is a legitimately premium metal card: a real 0% forex, a deep lounge and golf bundle, non-expiring points and strong in-app travel redemption. It earns its keep only for someone who travels enough to burn through those perks; as a pure everyday-rewards card the ₹5,999 fee is hard to recover. The Jan 2026 international cut (10X→5X) dents its travel-spend case slightly.
How this page was built
Counted from this card’s own record: 3 earn rules, 1 of them capped, 1 paid only at named merchants, the spends listed as earning nothing and 6 recorded perks.
Last updated 11 Oct 2026.
Sources & verification
Fees, reward rates, and benefits for the IDFC FIRST Mayura Credit Card are taken from IDFC FIRST Bank's official Most Important Terms & Conditions (MITC) and fee schedule — see the card's official page. Last updated 11 Oct 2026. Reviewed by Devchandra Sah. Always confirm current details on the issuer's site before applying. How we research →
Independence. CardAdvisor is an independent editorial publication. We are not affiliated with, endorsed by, sponsored by, or authorised to act for IDFC FIRST Bank. All issuer names, product names, and payment-network marks are the property of their respective owners and appear here for identification and comparison only. Card faces shown on this site are our own original illustrations — we do not display or host issuer card artwork or logos.
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Guides and reviews related to this card.
IDFC FIRST Mayura Credit Card
IDFC's flagship Visa Infinite metal card — a genuine 0% forex, 16+16 lounge visits a year, monthly golf and up to 40X points on in-app travel. A frequent-traveller's card whose ₹5,999 fee is carried by perks, not base rewards. The Jan 2026 cut halved international earn to 5X.
IDFC FIRST Gaj Credit Card
IDFC FIRST Bank's invitation-only flagship for Private Banking clients — a Visa Infinite metal card with a genuine 0% forex, reward points worth ₹1 each on in-app travel, 16+16 lounge visits a year, up to 24 golf rounds and a bundled no-fee FIRST Digital RuPay companion that earns on UPI. You cannot apply; the ₹12,500 fee waives on ₹10 lakh of spend.
IDFC FIRST Private Credit Card
IDFC FIRST Bank's invite-only metal flagship — a flat 10X earn with no thresholds, unlimited lounges and golf, zero forex and a genuinely fee-free fine print (no late-payment, over-limit or surcharge fees). The ₹50,000 commencement fee is offset by a 50,000-point benefit worth ₹50,000 on in-app travel; ₹25,000 a year thereafter. Milestones were discontinued 17 July 2026.
Best Travel Credit Cards in India 2026: Lounge Access, Miles and Hotel Points
A travel card is decided by three things: lounge access, a transfer programme worth using, and what you pay to spend abroad. This is every card worth considering for 2026 — what each one costs and gives, in one table, and the single reason each is on the list. It includes the two cards you cannot apply for, because knowing what the benchmark is has value.
Value timeline
Every real-world change to this card's rewards, fees and benefits we've tracked — newest first, each linked to its source.
Tracking since 2024 · last change Jun 2026
2026
- ▼ RewardEffective 18 Jun 2026
Earning capped at the credit limit per billing cycle
All eligible spend earned points→Only spend up to the assigned credit limit per cycle earns
From 18 June 2026 reward points accrue only on spends up to your assigned credit limit within a billing cycle; anything beyond that earns nothing. It bites only the pattern of spending past the limit and repaying mid-cycle to free it up again, so most holders will never touch it — but it puts a hard ceiling on what the card can earn in a month.
Verification: IDFC FIRST Bank ↗ · Confidence: High
- ▼ BenefitEffective 18 Jun 2026
Movie buy-one-get-one spend-gated
Unconditional, twice a month→Needs ₹20,000 spend in the previous calendar month
From 18 June 2026 the buy-one-get-one movie-ticket offer only unlocks if you spent ₹20,000 or more on the card in the previous calendar month — IDFC's own example: to claim it in August 2026 you must have spent ₹20,000 in July 2026. The offer still runs every month, but a benefit that had been unconditional since launch now has a spend condition attached.
Verification: IDFC FIRST Bank ↗ · Confidence: High
- ▼ RewardEffective 18 Jan 2026
International earn halved to 5X
10X (10 RP per ₹150)→5X (5 RP per ₹150)
From 18 January 2026 international spends earned 5 reward points per ₹150 instead of 10 — halving the overseas earn on a card sold on its zero forex mark-up. The 0% forex itself survived, so the Mayura still costs nothing to swipe abroad; it simply pays half as much for doing so. Announced in the same December 2025 batch: reward points are withheld for any billing cycle in which the minimum amount due is not paid by the due date.
Verification: CardAdvisor Research · Confidence: High
2025
- ◆ WelcomeEffective 1 Sept 2025
Welcome benefit restructured into a three-tranche 12,000-point plan
12,000 reward points in three tranches: 4,000 on fee realization, 4,000 on ₹20,000+ net spends in the 2nd statement cycle, 4,000 in the 3rd
For cards generated on or after 1 September 2025 the joining benefit pays 12,000 reward points in three equal tranches — on realization of the joining fee, and on ₹20,000 or more of net spends in each of the second and third statement cycles. IDFC does not publish the structure that applied immediately before this date, so no before value is recorded.
Verification: IDFC FIRST Bank ↗ · Confidence: High
- ◆ BenefitEffective 1 Jul 2025
Movie benefit moves from BookMyShow to District by Zomato
BookMyShow→District by Zomato
From 1 July 2025 the buy-one-get-one movie-ticket benefit had to be claimed through the District by Zomato app instead of BookMyShow. The economics were untouched — up to ₹500 off the second ticket, twice a calendar month — so this was a lateral change, but holders had to switch apps to keep using a perk they had been booking on BookMyShow since launch.
Verification: CardAdvisor Research · Confidence: High
Each change links to the issuer's own document — bank T&C, MITC, notice, press release or product page — where one is public. Where the bank published nothing, it's marked CardAdvisor Research and verified against the card's current terms. Independent of the live terms shown above. This timeline is one card's slice of our market-wide change record across every tracked card.
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Source: <a href="https://cardadvisor.in/cards/idfc-mayura#value-timeline">IDFC FIRST Mayura Credit Card value timeline</a>, CardAdvisor (CC BY 4.0).
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