IDFC FIRST Mayura Credit Card
IDFC FIRST Bank
priority:lounge domesticpriority:lounge premiumTravel points
₹5,999
Joining fee
₹5,999
Annual fee
0%
Forex markup
4.5 / 5
Rating
Eligibility
Estimated minimum income: ₹1,50,000+/month
Estimated — not officially confirmed by the bank.
Estimated minimum CIBIL score: 800+
Estimated — not officially confirmed by the bank.
Age: 21–65
Salaried or self-employed, min income Rs 25,00,000/year
Lounge access
16 domestic / 16 international visits per year
Reward details
5X points up to Rs 20,000 monthly spend
- 10X points on Above Rs 20,000 monthly spend
- 3X points on Rent, wallet loads, education, government payments
Redemption
Ratio: Rs 0.25-0.50 per point; aggregator estimates a maximum effective return of around 1.66%
Excluded from rewards: fuel, EMI
- Free trip cancellation protection up to Rs 50,000 (aggregator-sourced)
- Golf benefits and dining offers mentioned by official page but not detailed in this fetch
Real-world feedback
Sourced from user reviews and comparison sites (aggregator/user-sourced), not confirmed by the bank.
Praise
- Zero forex markup, strong travel benefits, trip cancellation protection, high lounge visit frequency — Paisabazaar
Complaints
- High annual fee with no waiver option — Paisabazaar
- Low overall reward rate — Paisabazaar
- Lifestyle benefits are spend-gated — Paisabazaar
- No rewards on fuel/EMI transactions — Paisabazaar
Sources
- Official — confirmed fee, 0% forex, headline benefit categories only; JS-rendered page did not return full detail content
- Aggregator — eligibility, lounge, rewards, sentiment