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IDFC FIRST Bank · Mastercard World / Visa Infinite · हिन्दी

IDFC FIRST Mayura Credit Card: full review

The IDFC FIRST Mayura is the best zero-forex premium card in India at ₹5,999. For frequent international travellers spending ₹20,000+/month, the 3.33% travel reward rate and 0% forex combine for exceptional value. All benefits are spend-linked, so casual users won't unlock the card's full potential.

Apply now ↗Annual fee: ₹5,999 + taxes joining +
Last updated: August 2026 · Current terms verified
IDFC FIRST BANK
VISA
)))
MAYURA
ASHOK KUMAR
12/28
₹5,999 + taxes joining + annual (no waiver)Annual fee
10X RP per ₹150 on spends above ₹20,000/month (3.33% on travel); 5X below ₹20,000/month (1.67%); 3X on rent/wallet/education/govt; 1X on utilities/insurance; 1 RP = ₹0.50 for travel via IDFC appReward structure
Up to 16 domestic + 16 international lounge visits/year (on ₹20,000/month spend); 1 guest visit for domesticLounge access
0% forex markup, best feature for international spenders10X RP on spends >₹20,000/month (3.33% on travel redemptions)5X RP on spends up to ₹20,000/month (1.67%)Up to 16 domestic + 16 international lounge visits/year (spend-linked)BOGO movie tickets up to ₹500 twice/month (on ₹20,000/month spend)4 complimentary golf rounds/lessons per yearTrip cancellation cover up to ₹50,00030X bonus RP on hotel bookings + 15X on flight bookings via IDFC Travel appMetal card with premium peacock design
Apply now ↗ Min. income: ₹12L+ per year · Credit score: 750+
Pros and cons
Pros
✓ 0% forex is the standout, saves 3–3.5% on all international transactions
✓ Up to 3.33% reward rate on travel redemptions for high spenders
✓ Generous 32 total lounge visits/year when conditions are met
✓ Strong trip cancellation and travel insurance package
Cons
✗ ₹5,999 fee with no waiver, must justify through usage
✗ All key benefits are spend-conditional (₹20,000/month)
✗ Reward value halved (₹0.25/point) outside IDFC Travel app
✗ No airline/hotel transfer partners currently
✗ Heavy on lifestyle but limited if you don't travel internationally
Quick facts
Issuer IDFC FIRST Bank
Network Mastercard World / Visa Infinite
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹5,999 + taxes joining + annual (no waiver)
Joining feeA one-time fee charged when you first get the card, separate from the recurring annual fee.Full definition → ₹5,999
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → Up to 16 domestic + 16 international lounge visits/year (on ₹20,000/month spend); 1 guest visit for domestic
Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 0%
Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹12L+ per year
Min. credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 750+
SourceIDFC FIRST Bank's published card terms and official card page · Last updated August 2026
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Frequently asked questions
The annual fee for IDFC FIRST Mayura Credit Card is ₹5,999 + taxes joining + annual (no waiver). The joining fee is ₹5,999.
10X RP per ₹150 on spends above ₹20,000/month (3.33% on travel); 5X below ₹20,000/month (1.67%); 3X on rent/wallet/education/govt; 1X on utilities/insurance; 1 RP = ₹0.50 for travel via IDFC app
IDFC FIRST Mayura Credit Card is best for Premium travellers wanting zero forex markup, 16 lounge visits/quarter and accelerated travel rewards. The IDFC FIRST Mayura is the best zero-forex premium card in India at ₹5,999. For frequent international travellers spending ₹20,000+/month, the 3.33% travel reward rate and 0% forex combine for exceptional value. All benefits are spend-linked, so casual users won't unlock the card's full potential.
The minimum income requirement for IDFC FIRST Mayura Credit Card is ₹12L+ per year. A minimum credit score of 750+ is also recommended.
Yes, IDFC FIRST Mayura Credit Card offers Up to 16 domestic + 16 international lounge visits/year (on ₹20,000/month spend); 1 guest visit for domestic.
IDFC FIRST Mayura Credit Card charges a 0% foreign currency markup on international transactions. This is one of the best forex rates in India.
Related guides
Best Travel Credit Cards →Best Premium Credit Cards →Best Super Premium Credit Cards →Best Credit Cards for International Travel →Best Airline Credit Cards →
Card reviews
IDFC FIRST Ashva Credit CardFrequent travellers who book hotels and flights through the IDFC FIRST Bank app specifically, where the real redemption value is highest; weak for everyday spending outside the appAxis Bank Select Credit CardHigher spenders (₹6L+ income) who will spend ₹3L+ a year, want international lounge access through Priority Pass with 12 visits, and want a 2% earn rate on everyday retail spendsAxis Bank Privilege Credit CardModerate-to-high spenders in the ₹6-15L income range who will hit the lounge spend gate every quarter and want a simple, uncapped reward rate without chasing accelerated categoriesRBL Bank IRCTC Credit CardFrequent IRCTC train travellers who will use the railway lounges and want cancellation protection, not a general-purpose rewards card
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