Mastercard ★ Metal Edition 📡 Contactless NFC

IDFC FIRST Mayura Credit Card

Joining Fee₹5,999

Annual Fee₹5,999

Forex Markup 0% ZERO

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⚖️ Card Verdict & Target Persona

Who Should Apply

Ultra-high-net-worth global travelers seeking metal card prestige, 0% forex markup, 16 domestic + 16 international lounge visits, ₹50k trip cancellation cover, and golf passes.

Who Should Avoid

Low spenders who cannot reach the ₹8 Lakh spend waiver or users seeking direct cash credits.

🎁 Key Features & Highlights

🎉

Joining & Activation Welcome Gift

Gift voucher worth ₹4,000 across premium brands + ₹50,000 Trip Cancellation Cover for flight/hotel bookings twice a year

0% Forex Markup Worldwide

Zero foreign exchange markup fee (0% forex) on all international online and POS transactions worldwide.

16 Domestic & 16 International Lounge Access

16 complimentary domestic (max 4/quarter on min ₹20k monthly spend) + 16 international lounge visits per year via DreamFolks.

BOGO Movie Tickets up to ₹500

Buy 1 Get 1 free on movie tickets via District by Zomato (up to ₹500 off on second ticket twice a month, saving ₹1,000/mo).

💰 Reward Structure & Point Valuation

1 Reward Points = ₹0.25

Standard Base Earning

3 Reward Points per ₹150 spent on regular offline retail up to ₹20,000 (0.50% return; 1 RP = ₹0.25)

Accelerated / Partner Rate

10X Reward Points (10 points per ₹150, 1.67% return) on incremental monthly spends above ₹20,000 and birthday spends; 10X points on all international retail spends; 6X points on domestic online spends up to ₹20,000; Buy 1 Get 1 free on movie tickets via District (up to ₹500 off twice a month, saving ₹1,000/mo)

Points Validity:Never Expire

Redemption Fee: ₹99 + GST / cycle

Redemption Modes: Instant Point Checkout at 100+ Online Merchants (1 RP = ₹0.25), IDFC FIRST Rewards Portal (Flight & Hotel Bookings at 1 RP = ₹0.25), Brand Gift Vouchers & Products

🚫 No Reward Points / Cashback on:

Fuel Wallet Loads Rent Payments Government Transactions Cash Advances EMI

🛋️ Airport Lounge Access & Spend Criteria

✓ Lounge Access Active

🛫

Domestic Lounge Visits16 complimentary domestic airport and railway lounge visits per calendar year (max 4 per quarter)

🌐

International Lounge Visits16 complimentary international airport lounge visits per calendar year (max 4 per quarter) via DreamFolks

⚠️

Spend Criteria: Requires minimum retail spend of ₹20,000 in the previous calendar month

⚡ Spend Milestones & Special Perks

Annual Fee Waiver ₹800,000/yr

Annual renewal fee of ₹5,999 + GST is waived off on spending ₹8,00,000 or more in the previous anniversary year; otherwise 15,000 bonus points credited on fee payment

UPI Payments Support✗ Not Supported

UPI not supported on Mastercard metal network

Fuel Surcharge Waiver1% Surcharge Waived

1% fuel surcharge waiver for transactions between ₹400 and ₹5,000 (Capped at ₹500/mo)

📋 Eligibility Criteria

✓ Official Criteria

Age Limit21 - 65 Years

Min. Monthly Income₹250,000

Min. Credit Score750 CRIF

Employment TypeSalaried / Self-Employed

📊 Interest Rates & Charges

Finance Charges (Interest Rate / APR):0.75% to 3.75% per month (9.0% to 45.0% per annum dynamic APR)

Late Payment Penalties:Late payment charges slab-based up to ₹1,250

Official Bank Portal Application

Get the IDFC FIRST Mayura Credit Card

Annual Fee: ₹5,999/yr (Waivable)

Apply Online Now →

Personalized Card Matcher

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Frequently Asked Questions

No, IDFC FIRST Mayura Credit Card has a joining fee of ₹5999 and an annual renewal fee of ₹5999 (plus applicable taxes).

IDFC FIRST Mayura Credit Card ₹5,999/yr