IDFC FIRST Mayura Credit Card

Overview

The IDFC FIRST Mayura is the bank's top metal card, built for people who fly often and spend abroad. It sits above the FIRST Select and Wealth cards and pairs a heavyweight metal body with the two benefits frequent travellers care about most: zero forex markup and wide lounge access. The joining and annual fee is ₹5,999 plus GST, and unlike the bank's cheaper cards there is no disclosed spend-based waiver, so this is a card you commit to every year.

Rewards and earning

The reward structure is tiered by how much you spend in a month. You earn 5X reward points for every ₹150 spent up to ₹20,000 in a statement cycle, and 10X per ₹150 on whatever you spend above ₹20,000. Rent, wallet loads, education and government payments earn a lower 3X, while insurance and utilities sit at 1X. International spends earn 5X, which combined with the zero forex markup makes overseas usage genuinely rewarding. Bonus points are capped at 25,000 a month and total earning is capped at 3,00,000 points a year.

On redemption, points are worth ₹0.50 each when you book travel through the IDFC FIRST app and only ₹0.25 each for general redemptions, so the value swings heavily towards in-app travel. New cardholders get 4,000 points on paying the joining fee and up to 8,000 more across the second and third statement cycles on spends over ₹20,000, for up to 12,000 welcome points. Annual milestone rewards of 7,500 to 15,000 points kick in at ₹8 lakh to ₹15 lakh of yearly spend.

Fees

Both the joining and annual fee are ₹5,999 + GST, with no spend-linked waiver disclosed for the metal tier. The standout is the zero forex markup, which is rare in India and saves you roughly 2% to 3.5% on every foreign currency transaction compared with a normal card. There is a 1% fuel surcharge waiver on fuel spends between ₹200 and ₹5,000, capped at ₹300 per cycle. Redeeming reward points carries a fee of ₹99 + GST. Interest runs from about 0.75% to 3.65% per month depending on your profile, which only matters if you revolve a balance.

Eligibility

This is a premium, high-income card. IDFC FIRST typically looks for an annual income of around ₹25 lakh and above, along with a strong credit profile. It is offered to both salaried and self-employed applicants who clear the income bar. Keep your PAN, address proof and income documents ready when you apply.

Who it is for

The Mayura makes sense if you travel internationally several times a year, spend meaningfully abroad and want lounge access without juggling multiple cards. The zero forex markup, up to 16 domestic and 16 international lounge visits, ₹1 crore air accident cover and premium metal build all point at the same user: a frequent traveller with a healthy monthly spend. Note that lounge visits require you to have spent ₹20,000 in the previous month, so the card rewards consistent use rather than occasional swipes.

Verdict

For the right person the Mayura is one of the more compelling travel cards from an Indian bank in 2026, mainly on the strength of zero forex and wide lounge access. The catch is the ₹5,999 fee with no easy waiver and a low base redemption rate outside in-app travel bookings. If you spend a lot, travel abroad often and will actually use the lounges and travel redemptions, it earns its keep. If your international spending is only occasional, a lower-fee card like the IDFC FIRST Select will serve you just as well for less.