IDFC Mayura Card

The IDFC Mayura Credit Card is a premium travel and lifestyle card offering zero forex markup, high reward points on everyday spends, and unlimited access to domestic and international airport lounges, perfect for frequent travelers and luxury seekers. Enjoy exclusive cashback, seamless EMI options, and comprehensive travel benefits that elevate your card experience.

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Feature	Details
Bank / Issuer	Idfc First Bank
Card Type	Mastercard
Joining Fee	5999 +GST
Annual Fee	5999 +GST
Welcome Benefits	Cashback of ₹4,000 on any 4 transactions of ₹1,000 or above within 60 days of card generation
Fee Waiver Condition	No Fee Waiver but you can avail, Reward points worth ₹1,875 on spending ₹8 lakh in a year or ₹3,750 on spending ₹15 lakh in a year as an incentive
Reward Rates	10X reward points per ₹150 on incremental spends above ₹20,000 per statement cycle, 5X reward points per ₹150 on spends up to ₹20,000, 3X reward points on rent, education, wallet load, and government transactions, and 1X reward points on insurance and utilities.
Interest Rates	0.75% to 3.99% per month (approximately 9% to 48% per annum)
Foreign Exchange Markup	0% (zero forex markup fee on international spends)
Best For	Lounge Access, Travel
Lounge Access	Domestic: 4 per quarter \| International: 4 per quarter On spends of ₹20,000+ in the last month \| 1 complimentary guest visit per year

Key Features & Benefits

The IDFC Mayura Credit Card is designed to bring exceptional value to frequent travelers and lifestyle enthusiasts. With zero foreign exchange markup, this card makes international spending more affordable, allowing you to shop and dine abroad without worrying about extra charges. You also earn accelerated reward points on a wide range of categories such as daily spends, rent, education, and government transactions, helping you maximize your rewards effortlessly. Whether it’s booking flights, paying bills, or shopping, every transaction adds valuable points that can be redeemed for travel, lifestyle, or cashback benefits.

Beyond rewards, the card offers extensive travel perks including complimentary domestic and international lounge access, providing relaxed and premium experiences before your flights. The lounge access is backed by a simple monthly spending condition, ensuring consistent value for your routine expenses. Additionally, the card includes travel insurance, trip cancellation protection, and golf privileges, making it a comprehensive companion for your journeys. Flexible EMI options on large purchases further empower you to manage expenses without stress. Overall, the IDFC Mayura Credit Card combines rewarding experiences, travel luxury, and essential protections to suit discerning users seeking premium benefits with everyday convenience.

All You Need to Know About: IDFC Mayura Card

The IDFC Mayura Credit Card is a premium metal credit card issued by IDFC FIRST Bank on the Mastercard network. It comes with a joining fee and annual fee of ₹5,999 each, plus applicable GST. These fees are charged upfront and annually, with no lifetime free option or standard waiver available. The card offers zero foreign exchange markup fee, making it cost-effective for international spends. Cash advance fees, card replacement fees, and reward redemption fees apply separately. Interest rates on unpaid balances range from approximately 9% to 48% per annum.

The card rewards users with accelerated points across different spending categories. You earn 10X reward points on incremental spends above ₹20,000 per statement cycle, 5X points on spends up to ₹20,000, 3X points on rent, education, wallet loads, and government transactions, and 1X points on insurance and utilities transactions. Reward points can be redeemed for travel bookings, cashback, or lifestyle rewards with varying redemption values.

Travel benefits include complimentary access to 16 domestic and 16 international airport lounges per year, with 1 guest allowed per lounge visit. Lounge access requires a minimum monthly spend of ₹20,000 in the previous month. Additional perks include travel insurance, trip cancellation protection, and golf privileges, adding a layer of safety and luxury for frequent travelers. The card also offers flexible EMI options for managing large purchases.

With its focus on travel, lifestyle, and premium rewards, the IDFC Mayura Credit Card suits those looking for high-value travel benefits and attractive reward rates. However, its high fees and spending requirements mean it fits best with those who can fully leverage its rewards and privileges. Transparent fees and strong rewards make this card a compelling choice for international spenders and luxury lifestyle users.

Pros & Cons

Pros

Zero foreign exchange markup fee on international spends
High reward points earning on everyday and lifestyle expenses
Complimentary access to domestic and international airport lounges
Includes travel insurance and trip cancellation protection
Flexible EMI options for large purchases

Cons

High joining and annual fees without lifetime free option
Annual fee waiver requires very high annual spending
Not suitable for low or moderate spenders
Reward redemption value may vary depending on category
Limited accelerated rewards on select categories only

How to Apply

Visit the official IDFC FIRST Bank credit card application page for the Mayura Card.
Enter your full name (as per Aadhaar), date of birth, and mobile number.
After your application is approved, pay the joining fee of ₹5,999 + GST online through UPI or net banking to activate the card.
Once payment is complete, your digital card will be activated and the metal card will be dispatched to your registered address within 5 working days.

Detailed Fee Structure

The IDFC Mayura (Mayura) Credit Card carries a joining fee and annual fee of ₹5,999 each, plus applicable GST, payable upfront upon card approval and annually thereafter. There is no lifetime free or waiver on these fees, making it important for users to consider the overall value for their spend. The card also includes fuel surcharge waiver capped at ₹300 per statement cycle, but a 1% fee applies on fuel spends exceeding ₹30,000 per cycle.

Other typical charges include cash advance fees of ₹199 per transaction, and a card replacement fee of ₹199 plus taxes. Importantly, the card offers zero forex markup fee on international transactions, saving costs for overseas spenders. Interest rates range between 9% to 47.88% per annum on unpaid balances. Additionally, there is a fee of ₹99 plus GST for reward point redemption. Transparent disclosure of these fees ensures users can plan and optimize their card usage effectively.

Who Should Get This Card?

The IDFC Mayura Credit Card is best for affluent travelers and premium lifestyle spenders who want to maximize rewards across travel, dining, and everyday expenses. It suits high-income professionals and business owners , looking for zero forex markup and complimentary lounge access. If you frequently travel internationally, enjoy exclusive insurance protections, and prefer a card with rich benefits on rent, education, and government spends, this card offers excellent value. It’s less ideal for low or moderate spenders due to its high fees.

Alternatives & Competitor Comparison

Feature	IDFC Mayura Card	Axis Atlas Credit Card
Card Image
Card Network	Mastercard	Mastercard, Visa
USP	The IDFC Mayura Credit Card is a premium travel and lifestyle card offering zero forex markup, high reward points on everyday spends, and unlimited access to domestic and international airport lounges, perfect for frequent travelers and luxury seekers. Enjoy exclusive cashback, seamless EMI options, and comprehensive travel benefits that elevate your card experience.	The Axis Atlas Credit Card is a premium travel rewards card designed for frequent flyers and luxury travelers, offering high EDGE miles on airline and hotel bookings, exclusive lounge access, and milestone bonuses for big spenders. Enjoy seamless travel perks, rewarding redemptions, and global acceptance.
Annual Fee	5999 +GST	5000 +GST
Joining Fee	5999 +GST	5000 +GST
Welcome Benefits	cashback of ₹4,000 on any 4 transactions of ₹1,000 or above within 60 days of card generation	2,500 EDGE miles credited on spending minimum 3 transactions within 37 days of card issuance, which can be redeemed for travel stays and flights worth roughly ₹5,000.
Lounge Access	Domestic: 4 per quarter \| International: 4 per quarter On spends of ₹20,000+ in the last month \| 1 complimentary guest visit per year	Domestic: 2 per quarter \| International: 1 per quarter
Reward Rate	10X reward points per ₹150 on incremental spends above ₹20,000 per statement cycle, 5X reward points per ₹150 on spends up to ₹20,000, 3X reward points on rent, education, wallet load, and government transactions, and 1X reward points on insurance and utilities.	5 EDGE miles per ₹100 on travel bookings via Axis Bank Travel Edge up to ₹2 lakh monthly and 2 EDGE miles per ₹100 on all other spends.
Interest Rate	0.75% to 3.99% per month (approximately 9% to 48% per annum)	3.49% per month (around 42% per annum)
Best For	Lounge Access, Travel	Lounge Access, Travel
Apply Now	Apply Now	Apply Now

Frequently Asked Questions

What are the reward points and cashback benefits of the IDFC Mayura Credit Card?

The IDFC Mayura Credit Card offers accelerated reward points on everyday spends, with up to 10X points on incremental spends above ₹20,000. You can redeem these points for travel bookings, cashback, or lifestyle purchases, making it a great card for maximizing rewards on both local and international transactions.

Does the IDFC Mayura Credit Card charge a foreign exchange markup fee?

No, the IDFC Mayura Credit Card comes with zero foreign exchange markup fee, allowing you to make international purchases or withdraw cash overseas without extra currency conversion charges, making it ideal for frequent travelers.

What are the travel benefits associated with the IDFC Mayura Credit Card?

This card provides complimentary access to both domestic and international airport lounges, plus travel insurance and trip cancellation protection. These perks ensure a comfortable and secure travel experience for users of the IDFC Mayura Credit Card.

How can I waive the annual fee on the IDFC Mayura Credit Card?

The IDFC Mayura Credit Card does not offer a standard annual fee waiver. However, high spenders may unlock reward points incentives that provide indirect value, but annual fees and joining fees apply regardless of spending levels.

What are the fees and charges on the IDFC Mayura Credit Card?

The card carries a joining and annual fee of ₹5,999 each plus GST. There are additional fees like cash advance charges, card replacement fees, and a fee on reward redemption. There is no fee for foreign currency transactions, making it transparent for international use.

Final Verdict

Is the IDFC Mayura Credit Card right for you? If you are a high-income professional or frequent traveler seeking premium travel perks like zero forex markup, extensive lounge access, and accelerated rewards on daily spends, this card offers excellent value. Its robust benefits and protections complement a luxury lifestyle, but the high joining and annual fees mean it’s best suited for those with significant spending power. If you prioritize rewards, travel comfort, and long-term savings on international spends, the IDFC Mayura Credit Card is a strong contender. Apply today to elevate your travel and lifestyle experiences with exclusive privileges and rewarding returns.