IDFC FIRST Mayura Credit Card
IDFC FIRST Bank · Mastercard · Super Premium card
Combines zero forex markup with one of the catalogue’s largest international airport lounge allowances and a high-value monthly movie offer.
Frequent international travellers with meaningful foreign-currency spend who can use premium lounge and movie benefits.
Terms checked 13 Sept 2026
- Annual fee
- ₹5,999 + GST
- Joining fee
- ₹5,999 + GST
- Base reward rate
- 1.7%
- Forex markup
- 0%
Reward rates by spending category
Published catalogue rates before caps and merchant-category exclusions.
| Category | Recorded rate |
|---|---|
| Online shopping | 1.7% |
| Groceries & essentials | 1.7% |
| Dining & delivery | 1.7% |
| Travel & hotels | 1.7% |
| Beauty & wellness | 1.7% |
| Entertainment & movies | 1.7% |
| Healthcare & pharmacy | 1.7% |
| Subscriptions & streaming | 1.7% |
| Offline store shopping | 1.7% |
| International spending | 1.7% |
| Other miscellaneous | 1.7% |
| Gold & jewellery | 1.7% |
| Education & family | 1% |
| House rent | 1% |
| Bills & utilities | 0.3% |
| Insurance premiums | 0.3% |
| Fuel & commute | 0% |
Caps and fee waiver
- Reward caps
- No general cap recorded
- Annual fee waiver
- No waiver recorded
- Monthly income requirement
- Not listed
Airport lounge access
16 domestic airport lounge visits per year • 16 international airport lounge visits per year
4 domestic airport lounge visits per quarter · Issuer card
Guest access: Included
Requires ₹20,000 per Calendar month for the following calendar month
One guest visit is included within the four-visit quarterly allowance.
4 international airport lounge visits per quarter · DreamFolks
Guest access: Not specified
Requires ₹20,000 per Calendar month for the following calendar month
Spend condition: Spend ₹20,000 in the current calendar month for access in the next month.
Movies and entertainment
District · Buy one, get one · up to ₹500 · 2 uses/month
Requires ₹20,000 per Calendar month for the following calendar month.
Benefits & conditions
Expand a category to see recorded benefits, fees and eligibility, with conditions and links to the sources. Categories without recorded details are grouped below; missing information does not mean a benefit is unavailable.
Rewards and cashback · 7 items
FIRST Rewards Gallery hotel rewards
Usage-based valueUp to 40X total points on eligible app hotel bookings: 30X bonus plus the applicable base earn.
Conditions: Up to 40X total points on eligible app hotel bookings: 30X bonus plus the applicable base earn.
FIRST Rewards Gallery flight rewards
Usage-based valueUp to 25X total points on eligible app flight bookings: 15X bonus plus the applicable base earn.
Conditions: Up to 25X total points on eligible app flight bookings: 15X bonus plus the applicable base earn.
Standard and incremental rewards
Usage-based value5X on the first ₹20,000 of aggregate eligible statement-cycle spend and 10X on the incremental amount; international spend participates.
3X regulated-category rewards
Usage-based value3X on eligible rent, education, government and wallet-load transactions; these do not count toward the 10X threshold.
1X regulated-category rewards
Usage-based value1X on utilities, insurance, railways and FASTag; these do not count toward the 10X threshold.
5X points up to ₹20,000 and 10X on incremental eligible statement-cycle spend above ₹20,000
Shown without a cash value30X bonus points on app hotel bookings and 15X bonus points on app flight bookings
Shown without a cash value
Fees · 2 items
Annual card fee
Cost ₹5,999₹5,999 annual fee before applicable tax.
Joining fee
Cost ₹5,999₹5,999 one-time joining fee before applicable tax.
Welcome benefits · 3 items
4,000 points on joining-fee realization
Recorded value ₹1,000First stage of the current 12,000-point joining package, valued conservatively at ₹0.25 per point.
Conditions: Card generated on or after 1 September 2025 · Joining fee successfully realized · Available once per customer
4,000 second-cycle points
Recorded value ₹1,000Second stage of the joining package.
Conditions: Joining fee successfully realized · Spend ₹20,000 or more in the second statement cycle
4,000 third-cycle points
Recorded value ₹1,000Third stage of the joining package.
Conditions: Joining fee successfully realized · Spend ₹20,000 or more in the third statement cycle
Spend milestones · 1 item
Annual spend milestone
Recorded value ₹3,750₹3,750 recorded milestone value.
Conditions: Reach ₹8,00,000 eligible annual spending
Card tiers · 2 items
7,500 annual-fee payment points at ₹8 lakh card tier
7,500 reward units0 domestic and 0 international lounge visits; 7,500 renewal reward units.
Conditions: Reach ₹8,00,000 eligible annual spending
15,000 annual-fee payment points at ₹15 lakh card tier
15,000 reward units0 domestic and 0 international lounge visits; 15,000 renewal reward units.
Conditions: Reach ₹15,00,000 eligible annual spending
Airport lounge access · 3 items
Domestic lounge access
Usage-based value4 visits per quarter through Issuer card. Guest access: included. One guest visit is included within the four-visit quarterly allowance.
Conditions: Spend ₹20,000 per calendar month
International lounge access
Usage-based value4 visits per quarter through DreamFolks. Guest access: not specified.
Conditions: Spend ₹20,000 per calendar month
Four railway-lounge visits per quarter after the published spend condition
Shown without a cash value
Movies and entertainment · 1 item
District movie offer
Usage-based · up to ₹12,000Buy one, get one offer up to ₹500, 2 times per month.
Conditions: Spend ₹20,000 per calendar month
Travel privileges · 1 item
₹5,000 Postcard Hotels discount quarterly on ₹25,000 minimum booking
Shown without a cash value
Golf · 2 items
Up to two monthly golf rounds or lessons based on ₹20,000/₹40,000 prior-statement spend
Shown without a cash valueFour Mastercard golf rounds and twelve lessons per calendar year under network privileges
Shown without a cash value
Insurance and protection · 4 items
Trip-cancellation reimbursement up to ₹50,000 twice yearly
Shown without a cash valueAir-accident cover up to ₹1 crore and personal-accident cover up to ₹10 lakh
Shown without a cash valueTravel insurance for baggage loss and flight delay up to USD 1,200
Shown without a cash valueLost-card liability cover of ₹50,000
Shown without a cash value
Fuel benefits · 1 item
1% fuel surcharge waiver on ₹200-₹5,000 transactions, capped at ₹300 per statement
Shown without a cash value
Memberships · 1 item
Little Emperors Hotel Club membership and luxury-hotel privileges
Shown without a cash value
Foreign-currency charges · 1 item
Zero forex markup
Usage-based value0% foreign-currency markup before applicable tax.
Conditions: Applies to eligible foreign-currency transactions
Eligibility and availability · 1 item
Application eligibility
Shown without a cash valueApplication availability: open. No universal verified numeric income threshold is used as a hard filter. The issuer does not publish a universal numeric monthly income threshold for Mayura.
Other benefits · 2 items
Roadside assistance worth ₹1,399
Shown without a cash valueInterest-free ATM cash withdrawal until due date, with ₹199 transaction fee
Shown without a cash value
Other categories (3)
These categories have no detailed entries. We distinguish confirmed absences from information that still needs review.
Fee waiver
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗Dining
Details not yet availableThe reviewed issuer sources publish this benefit; its exact conditions are retained in the card benefit profile.
Official source ↗Concierge
Not offeredThe reviewed issuer sources do not publish this benefit for the card.
Official source 1 ↗Official source 2 ↗
What stands out
- ✓ 5X points up to ₹20,000 and 10X on incremental eligible statement-cycle spend above ₹20,000
- ✓ 30X bonus points on app hotel bookings and 15X bonus points on app flight bookings
- ✓ Four domestic and four international lounge visits per quarter after the monthly spend condition
- ✓ Zero forex, movie, golf, railway-lounge, trip-cancellation and travel-insurance benefits
What to watch
The ₹5,999 annual fee has no standard waiver. Lounge and movie access require ₹20,000 of current-month spend for use in the following month, and headline reward value assumes travel redemption.
Recorded exclusions
Fuel Commute · Emi · Cash withdrawal · Fees charges · Loan on card · Balance transfer · Transactions below 150
How GainFair evaluates this card
The personal card advisor applies your monthly spending to category rates, limits rewards at the applicable caps, adds eligible movie, milestone and lounge value, and subtracts annual fees plus foreign-currency markup and GST. It can recommend keeping your current cards when a new card does not create enough incremental value.
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Compare against
These cards have the closest mix of purpose, reward style, fee model and tier. They are suggestions for comparison, not rankings.
Card change history
Material changes verified against dated issuer notices. Effective dates can differ from announcement dates.
- Mixed impact
Rewards and portal bonuses revised
Mayura moved to the current 5X/10X earning structure, introduced mobile-app travel bonuses and capped reward earning at the billing-cycle credit limit.
- Before
- The prior Mayura earning schedule applied.
- After
- 5X applies up to ₹20,000 eligible statement spend, 10X above it, with 30X/15X app hotel/flight bonuses and no rewards above the credit limit.
Checked 21 Sept 2026IDFC FIRST Mayura June 2026 update ↗
Issuer sources
Open the sources used for this card's product details, rewards, fees and eligibility.
Sources checked 13 Sept 2026 · Latest recorded change effective 18 Jun 2026