IDFC First Bank Mayura Credit Card

Welcome Benefits

From 1st September 2025, the joining benefits have been revised and will now be awarded across three statement cycles:

• Earn 4,000 Reward Points with the payment of the joining fee.
• Earn 4,000 Reward Points on spends over ₹20,000 in the second statement cycle.
• Earn another 4,000 Reward Points on spends over ₹20,000 in the third statement cycle as well.

The joining fee payment benefit on the Mayura Credit Card is offered only once per customer. If you have previously held this card, you will not be eligible to receive this benefit again.

Reward Point Earning

• 10X Reward Points/₹150 on incremental spends above ₹20,000 in a monthly statement cycle.
• 5X/₹150 Reward Points on spends up to ₹20,000 in a monthly statement cycle. International spends shall also be eligible for 5X Reward Points.
• With the Mayura Credit Card, you can earn rewards even in restricted categories. Cardholders are eligible to earn 3X/₹150 Reward Points on rent, government, wallet load, and education, and 1X/₹150 Reward Points on insurance and utilities.

Which categories are exempt from reward point earning?

• Fuel
• Transactions Converted into EMI
• Fees or Charges
• Loan on Card
• Balance Transfer
• Cash Withdrawal Transactions

Value of One Reward Point = ₹0.50 for Travel Bookings Via IDFC Travel & Shop, ₹0.25 Everywhere Else

Accelerated Reward Points for Travel Bookings

IDFC Mayura Credit Cardholders can earn accelerated Reward Points on travel bookings made via the IDFC Travel & Shop portal on the IDFC Mobile Banking app. These points are earned over and above the base reward rate. A maximum of 25,000 Bonus Reward Points can be earned each month.

Cardholders can use their points to cover up to 70% of the total booking value, including taxes and fees. The remaining amount must be paid using the Mayura Credit Card, which is linked to the Reward Points being used for hotel or flight bookings through the “Travel & Shop” section of the IDFC FIRST Bank Mobile App.

Please note that you can redeem a maximum of 300,000 Reward Points each year.

“Buy One Get One” Free on Movies

Mayura cardholders can get a “Buy One Get One” free offer on the second movie ticket they book on District by Zomato. The maximum discount for each movie ticket is ₹500, and this offer can be availed twice each month. This benefit could help save up to ₹1,000 per month and ₹12,000 per year.

Free Trip Cancellation Cover

One of the most advantageous benefits offered with the Mayura Credit Card is the Cancel For Any Reason (CFAR) Insurance. Cardholders who have made non-refundable flight/hotel bookings with their Mayura Cards can avail of the Cancel For Any Reason (CFAR) Insurance for reimbursement of up to ₹50,000 twice a year. This cover is available to both primary and add-on credit cardholders who, for any reason, wish to cancel their booking 24 hours before the scheduled time. Whether in any unforeseeable circumstance or emergency, you can easily cancel your plans without losing money on trip bookings with the Mayura Credit Card. Check the complete claims term here.

Free Airport Lounge Access

Those who wish to access airport lounges with a Mayura Credit Card would need to spend  ₹20,000 in the current month to be eligible for it in the next.

Domestic Airports

Four complimentary airport lounge visits each quarter across India. This would mean that cardholders can visit airport lounges across the nation sixteen times a year. Above this, the Mayura Credit Card also offers one additional visit for guests at domestic airports. This is an excellent benefit in case there is a family member or a close one without a credit card with complimentary airport lounge access.

International Airports

Mayura Credit Card offers four free international lounge accesses each quarter, a total of sixteen of which are available each year.

Complimentary Railway Lounge Access

Those who often travel by Indian railways will be glad to know that this card offers four complimentary railway lounge accesses across the country. This would allow cardholders to rest and rejuvenate at railway lounges. The maximum number of railway lounge access visits allowed is 16 each year. Starting on 20th February 2025, this benefit shall be unlocked after spending ₹20,000 or more in the previous month.

Flat ₹5,000 Off on Postcard Hotels & Resorts

With your Mayura Credit Card, you can enjoy a flat discount of ₹5,000 on stays at The Postcard’s luxury hotels and resorts in India on a minimum booking of ₹25,000. This offer can be used once every calendar quarter by applying the promo code IDFCVIP, and is valid until 10th February 2027. Check complete details here.

Annual Benefit

Spend a minimum of ₹8 Lakhs in the previous card anniversary year to get 7,500 Reward Points (worth up to ₹3,750), or spend a minimum of ₹15 Lakhs in the previous card anniversary year to get 15,000 Reward Points (worth up to ₹7,500).

Keep in mind that cardholders can only avail themselves of just one of these benefits.

Mayura Credit Card Review

The Mayura Credit Card comes with a hefty fee of ₹5,999. Although it offers welcome benefits worth 12,000 Reward Points, they don’t fully compensate for the fees, which would discourage many from applying for the card. The card would be most suitable for those with high spending who can take advantage of its various benefits, such as airport/railway lounge access, golfing privileges, and buy one get one free offer on movies. One of the main aspects of spending and earning rewards with the Mayura Credit Card is that one has to spend at least ₹20,000 each month to be eligible for a higher reward rate.

If you travel abroad often and make international purchases, you should definitely opt for this card. It provides plenty of airport lounge access and charges zero foreign exchange charges on global purchases.