Joining Fee

₹5,999

Annual Fee

Rs. 5999 + Taxes

Add-on Card Fee

₹4,000 per supplementary card

IDFC FIRST Bank

Lifestyle

Travel

Rewards

Best For: Frequent international travellers, Lifestyle spenders seeking premium perks, Golf enthusiasts, High-net-worth individuals seeking luxury card privileges

Mayura

Rewards Structure

Base Reward Rate

0.67% on spends

Point Value

1 Point = ₹0.5

Pros

Zero forex markup on international transactions
Up to 50X reward points on hotel bookings via app
Premium metal card (17g) with luxury design
Comprehensive travel and accident insurance coverage
Complimentary golf rounds and lessons (up to 24/year)
Buy 1 Get 1 movie tickets twice a month
Indian and global airport lounge access
Railway lounge access (4 visits/quarter)
Joining fee reward benefit worth up to ₹6,000
Annual fee milestone benefit worth up to ₹7,500

Cons

High joining and annual fee of ₹5,999+GST each
Upfront joining fee payment required for card dispatch (non-refundable)
Lounge and railway access require ₹20,000 monthly spend
Golf benefit requires minimum spend in previous statement cycle
Add-on card carries additional joining and annual fees
Mastercard Culinary Club benefit valid only till 31 Dec 2025

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

Joining fee is non-refundable and must be paid upfront

Lounge and railway lounge access require ₹20,000 spend in current calendar month

Joining fee benefit available only once per customer and not for returning Mayura cardholders

Fuel surcharge waiver capped at ₹300 per statement cycle (revised from ₹500 effective 20 Feb 2025)

Accident insurance valid only if at least one transaction made in last 30 days

Little Emperors membership auto-renews if not cancelled 48 hours before renewal

Key Benefits & Features

The Postcard Hotels & Resorts: flat ₹5,000 discount on min booking of ₹25,000, once per quarter (valid till 10 Feb 2027)

VISA Infinite: Airport Meet and Greet Service, airport transfer discounts, luxury hotel benefits at 900+ hotels, up to 20% dining discount

ITC Hotels: Stay 3 Pay 2 or 50% off 2nd night (VISA Infinite offer)

Complimentary Roadside Assistance worth ₹1,399, available 24/7

Little Emperors Hotel Club: complimentary 1-year Travel Tier membership worth £299, access to 5,000+ hotels worldwide

Eligibility Criteria

Occupation

SALARIED

Notable Exclusions

Cash withdrawals, fees, charges, and GST are not eligible for reward points

*Exclusions may apply to EMI transactions, fuel, and wallet reloads based on current bank policy.

Official Terms & Conditions

These details are based on information updated on 6 March 2026. Fees and benefits change often - confirm on the issuer's own page before applying.

About Mayura

The IDFC FIRST Bank Mayura Metal Credit Card is a premium lifestyle card inspired by the peacock, a timeless symbol of elegance, royalty, and good fortune in Indian culture. Crafted from premium metal and weighing a solid 17 grams, the card features a majestic royal blue hue and intricate peacock motifs, making it a piece of wearable heritage. With a joining and annual fee of ₹5,999 plus GST, it is designed for high-net-worth individuals, frequent international travellers, lifestyle spenders, and golf enthusiasts seeking luxury privileges. Cardholders earn up to 60X Reward Points, including 50X on hotel bookings and 30X on flight bookings made through the IDFC FIRST Bank Mobile App. A standout feature is the zero foreign exchange markup on international transactions. Additional travel perks include four complimentary domestic and international airport lounge visits, railway lounge access, and free trip cancellation cover up to ₹50,000 twice a year. Lifestyle benefits include up to 24 complimentary golf rounds or lessons annually, buy-one-get-one movie tickets twice a month, and a flat ₹5,000 discount at The Postcard Hotels and Resorts. The card also offers comprehensive insurance coverage including air accident cover, lost card liability, and travel insurance up to USD 1,200, along with 24/7 roadside assistance. Mastercard World and Visa Infinite privileges further elevate the experience with exclusive dining, golfing, and luxury hotel benefits worldwide.

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