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IDFC FIRST Mayura Credit Card credit card
Premium Zero Forex

IDFC FIRST Mayura Credit Card

IDFC FIRST logo IDFC FIRST
8.6
CardTrail Score
Very Good
out of 10
💰 Net Value
7.1
🔓 Accessibility
5.7
⚡ Feature Depth
7.0
🏦 Bank Trust
7.5
How we score →
Compare This Card Full Details
Annual Fee
₹5,999
Forex Markup
0%
No extra charge
Reward Rate
1.5%
Up to 10%
Lounge Access
8
domestic | 4 intl

About This Card

The IDFC FIRST Mayura Credit Card is a premium credit card from IDFC FIRST with an annual fee of ₹5,999. It offers a base reward rate of 1.5% with up to 10.0% on select categories. Key perks include zero forex markup, 8 complimentary lounge visits, fuel surcharge waiver. Best suited for frequent travellers and high spenders.

Pros & Cons

Pros

  • Competitive 1.5% reward rate
  • Zero forex markup — great for international use
  • Generous lounge access benefits
  • Fuel surcharge waiver saves on petrol/diesel

Cons

  • High annual fee of ₹5,999
  • Income eligibility: ₹9L+ per annum

Fee Details

Annual Fee
₹5,999
Joining Fee
₹5,999
Fee Waiver Condition
None
Fuel Surcharge Waiver
Yes
EMI Conversion
Yes

Reward Structure

Base Rate
1.5%
Max Rate
10%
Currency
Reward Points
Welcome Bonus
6,000 Reward Points

Lounge Access

Domestic Lounges
8
per year
International Lounges
4
per year
Spend Gate Required
You must spend ₹20,000 per quarter to activate lounge access.

Key Highlights

  • + Up to 10.0% rewards on accelerated categories
  • + Zero forex markup on international spends
  • + 8 complimentary domestic lounge visits/year
  • + 4 international lounge visits/year

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Quick Summary

Best For
travel high spender
Annual Fee ₹5,999
Base Reward 1.5%
Max Reward 10%
Forex Markup 0%
Network Visa Infinite
Min Income ₹9L+
Compare This Card

CardTrail Score

8.6
/ 10

Scored across rewards, fees, lounge access, forex, and overall value. Methodology.

Best For

travel high spender

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