MyFinCards
Mayura

Joining Fee

₹5,999

Annual Fee

Rs. 5999 + Taxes

0
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

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.

Expert Review

Our Verdict

Premium metal card with 50X hotel rewards, zero forex markup, golf, lounge & movie perks for elite lifestyle.

Frequently Asked QuestionsAbout Mayura

FEESWhat are the joining and annual fees for the Mayura Credit Card?
The Mayura Credit Card has a joining fee of ₹5,999 + GST and an annual fee of ₹5,999 + GST from the second year onwards. Please note that the joining fee must be paid upfront before the metal credit card is dispatched, and this fee is non-refundable. Add-on cards carry separate fees: ₹4,000 + GST joining fee for the metal variant, ₹3,000 + GST for the plastic variant, and ₹2,000 + GST annual fee for both variants.
REWARDSWhat reward points can I earn on the Mayura Credit Card?
The Mayura Credit Card offers up to 60X reward points on eligible spends. You can earn 50X bonus reward points on hotel bookings and 30X bonus reward points on flight bookings made via the 'Travel and Shop' section on the IDFC FIRST Bank Mobile App. Additionally, you earn up to 10X reward points on incremental spends above ₹20,000 in a statement cycle. The base earning rate is 1 reward point per ₹150 spent. Reward points can be redeemed at ₹0.50 per point for hotel and flight bookings via the app.
REWARDSWhat is the joining fee payment benefit on the Mayura Credit Card?
When you pay your joining fee, you receive 4,000 reward points immediately. You can earn an additional 4,000 reward points by spending over ₹20,000 in your second statement cycle, and another 4,000 reward points by spending over ₹20,000 in your third statement cycle — totalling 12,000 reward points worth up to ₹6,000. This benefit is applicable for cards generated on or after 1st September 2025 and is offered only once per customer. Cash withdrawals, fees, charges, and GST are excluded from eligible spends.
FEESHow does the annual fee milestone benefit work on the Mayura Credit Card?
The Mayura Credit Card offers a tiered annual fee milestone benefit based on your spending in the previous card anniversary year. If you spend a minimum of ₹8 lakhs, you receive 7,500 reward points worth up to ₹3,750. If you spend a minimum of ₹15 lakhs, you receive 15,000 reward points worth up to ₹7,500. This benefit helps offset the annual fee of ₹5,999 + GST for high spenders.
INTERNATIONALDoes the Mayura Credit Card charge foreign exchange markup fees?
No, the Mayura Credit Card charges 0% foreign exchange markup on all international transactions. This means you can use your card for purchases abroad or on international websites without paying any additional forex conversion fees. This makes it an excellent choice for frequent travellers and those who shop from international platforms, allowing you to enjoy global experiences without any hidden currency conversion costs.
BENEFITSWhat airport and railway lounge access does the Mayura Credit Card offer?
The Mayura Credit Card provides 4 complimentary visits to Indian airport lounges (including 1 guest visit) and 4 complimentary visits to global airport lounges per year. For Indian lounges, simply present your Mayura Credit Card at the lounge entrance. For global lounges, present your Dreamfolks card (advance online bookings recommended). Additionally, you get 4 complimentary railway lounge visits per quarter across select Indian railway terminals. Effective 20th February 2025, you must spend ₹20,000 in the current calendar month to access lounge benefits in the following month.
BENEFITSWhat golf benefits are available on the Mayura Credit Card?
The Mayura Credit Card offers up to 24 complimentary golf rounds and lessons per year. Through the India Golf Program, you get 4 complimentary rounds of green fees per calendar year (1 round per calendar month) and 12 complimentary golf lessons per calendar year (1 lesson per calendar month). Through the APAC Golf Program via Mastercard World Privileges, you get 50% off on golf rounds or lessons across Australia, Bangladesh, China, Hong Kong, Japan, Macao, New Zealand, South Korea, Sri Lanka, and Taiwan. A minimum spend in the previous statement cycle is required to unlock golf benefits.
BENEFITSWhat movie benefits does the Mayura Credit Card offer?
Mayura Credit Card holders can enjoy a Buy 1 Get 1 Free offer on movie tickets, with a minimum discount of ₹500 on the second ticket, available twice per calendar month. This benefit can be availed through the District App by Zomato. This means you can save at least ₹1,000 per month on movie tickets, making it a valuable lifestyle perk for regular moviegoers.
BENEFITSWhat travel insurance coverage does the Mayura Credit Card provide?
The Mayura Credit Card offers comprehensive travel and accident insurance. Coverage includes: Air Accident Cover of ₹1 Crore, Personal Accident Cover of ₹10,00,000, and Lost Card Liability Cover of ₹50,000 (valid on making at least one transaction in the last 30 days). Travel insurance covers Loss of Checked-in Baggage (USD 500), Delay of Checked-in Baggage (USD 100), Loss of Passport and Documents (USD 300), and Flight Delay (USD 300), totalling up to USD 1,200. A Cancel For Any Reason trip cancellation cover reimburses up to ₹50,000 twice a year.
OTHERWhat is the Mayura Credit Card made of and what does it look like?
The Mayura Credit Card is a premium metal credit card weighing a solid 17 grams. It features a majestic royal blue hue that shimmers at every angle, inspired by the distinct plumage of the peacock. The card design features two regal peacocks, a timeless Indian motif, paying tribute to India's cultural heritage. It is issued on the Mastercard network and is designed to offer a luxury feel in every swipe, reflecting the elegance and prestige associated with the peacock — a symbol of luck, poise, and beauty.
BENEFITSWhat fuel surcharge waiver does the Mayura Credit Card offer?
The Mayura Credit Card offers a 1% fuel surcharge waiver at all fuel stations across India on transactions between ₹200 and ₹5,000. Effective 20th February 2025, the maximum waiver has been revised to ₹300 per statement cycle. This benefit is available at all fuel stations across India, helping you save on routine fuel expenses every month.
BENEFITSWhat dining privileges does the Mayura Credit Card offer?
Mayura Credit Card holders enjoy access to the Mastercard Culinary Club programme, which provides exclusive access and discounts across over 350 fine-dining restaurants in 16 cities. You can make reservations at www.mastercardculinaryclub.com. Additionally, through VISA Infinite Privileges, cardholders can enjoy up to 20% off the total bill at participating restaurants. Please note that the Mastercard Culinary Club benefit is powered by Mastercard and is valid only until 31st December 2025.
APPLICATIONHow can I apply for the Mayura Credit Card?
You can apply for the Mayura Credit Card online through the IDFC FIRST Bank website or mobile app by clicking the 'Apply Now' button on the Mayura Credit Card page. As a premium metal card, the joining fee of ₹5,999 + GST must be paid upfront before the card is dispatched, and this fee is non-refundable. It is advisable to keep your KYC documents such as PAN card, Aadhaar, income proof, and address proof ready at the time of application. For further assistance, you can contact IDFC FIRST Bank's 24/7 customer care at 1800 10 888.
FEESWhat are the add-on card fees and benefits for the Mayura Credit Card?
You can add family members as supplementary cardholders on your Mayura Credit Card account. Add-on cards are available in two variants: the Metal Variant with a joining fee of ₹4,000 + GST, and the Plastic Variant with a joining fee of ₹3,000 + GST. Both variants carry an annual fee of ₹2,000 + GST. Note that the add-on card fee is charged for each add-on card issued. Add-on cardholders can enjoy the card's benefits as applicable per the primary cardholder's terms and conditions.
BENEFITSWhat hotel benefits are available with the Mayura Credit Card?
Mayura Credit Card holders enjoy several hotel privileges. Through The Postcard Hotels & Resorts, you can avail a flat discount of ₹5,000 on a minimum booking of ₹25,000, once every calendar quarter using promo code IDFCVIPT (valid till 10th February 2027). Through ITC Hotels (VISA Infinite Privilege), you can either stay for 3 nights and pay for 2 using promo code ITCVIS, or get 50% off your 2nd night using promo code ITCV50. A complimentary 1-year Little Emperors Travel Tier Membership (worth £299) is also available, giving access to exclusive rates at 5,000+ luxury hotels worldwide.

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