IDFC FIRST Bank • A metal card with zero forex markup and generous lounge access for frequent travellers.
By Deepak • Co-founder, Credwiser
Figures checked against the issuer's official MITC • Last verified 21 October 2026 • How we score
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Mayura is IDFC FIRST Bank's premium metal card, positioned for travellers who spend abroad. Its headline strength is a genuine zero forex markup, paired with one of the most generous lounge allowances in this price range: 4 domestic and 4 international visits every quarter, plus a domestic guest visit each quarter, unlocked by spending Rs. 20,000 in the previous month. Rewards run at 5X points per Rs. 150 up to Rs. 20,000 of monthly spends and 10X above that, with 30X on hotels and 15X on flights booked through the bank's Travel and Shop app section, capped at 25,000 bonus points a month. Points are worth Rs. 0.50 each on app travel bookings and Rs. 0.25 elsewhere, and they never expire. The card costs Rs. 5,999 plus GST a year and the joining fee is payable upfront before the metal card is dispatched. Joining benefits of up to 12,000 points soften the first year cost, and milestone points arrive at Rs. 8 lakh and Rs. 15 lakh of annual spends, but there is no spend based fee waiver, so the fee is a fixed yearly cost. You also get a buy one get one movie offer up to Rs. 500 twice a month, golf benefits through Mastercard World, free trip cancellation cover up to Rs. 50,000 and interest free ATM cash withdrawals for up to 45 days with a Rs. 199 fee per withdrawal.
Joining and annual fee Rs. 5,999 plus GST, joining fee payable upfront on approval before dispatch. Zero forex markup. Reward Points: 1 point per Rs. 150 base unit, 5X up to Rs. 20,000 per statement cycle and 10X above it, 3X on rent, education, government and wallet loads, 1X on insurance, utilities, railways and FASTag, and no points on fuel, EMI, cash withdrawals and fees. Point value Rs. 0.50 on travel bookings via the IDFC FIRST app (points usable for up to 70 percent of the booking, monthly redemption cap 1,50,000 points) and Rs. 0.25 on other redemptions. Reward redemption fee Rs. 99 plus GST as per bank schedule. Lounge and golf benefits unlock on Rs. 20,000 spends in the previous month. Note: IDFC FIRST has announced feature revisions effective 18 June 2026; figures here are from the live product page FAQs.
Last verified against MITC: 21 October 2026
Yes. IDFC FIRST Bank states the Mayura Credit Card has zero forex markup, so international purchases are converted at the network exchange rate without the usual 3 to 3.5 percent fee.
No. There is no spend based annual fee waiver on Mayura. High spenders instead earn milestone points: 7,500 Reward Points at Rs. 8 lakh and 15,000 at Rs. 15 lakh of anniversary year spends, credited when the next annual fee is paid.
4 visits per quarter at Indian airport lounges (including 1 guest visit per quarter) and 4 visits per quarter at global lounges through DreamFolks. The benefit for a month is unlocked by spending Rs. 20,000 or more in the previous month.
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