Credit Cards · Honest Review
IDFC FIRST Bank Mayura Credit Card
IDFC FIRST Bank · Visa
Your Verdict
- ✓Up to 10X reward points on spends above ₹20,000/month
- ✓Unlimited airport lounge access (domestic + international)
- ✓Metal credit card with premium concierge services
- ✓5,000 welcome reward points on first transaction
- ✓1% fuel surcharge waiver up to ₹200/month
What IDFC FIRST Bank Mayura Credit Card costs you
IDFC FIRST Bank Mayura Credit Card carries a ₹5,999 annual fee and a ₹5,999 one-time joining fee. There is no spend-based annual fee waiver.
| Fee | Amount |
|---|---|
| Annual fee (year 2+) | ₹5,999 |
| Joining fee (one-time) | ₹5,999 |
| Foreign transaction fee (forex markup) | Not disclosed / standard rates apply |
What you earn on every rupee spent
IDFC FIRST Bank Mayura Credit Card earns 2.50% on all eligible spends as a base reward rate, with accelerated rates on online shopping and other bonus categories listed below. Each reward point is worth ₹0.5 when redeemed, giving a clear rupee value for your earnings.
| Category | Reward rate |
|---|---|
| All other spends (base rate) | 2.50% |
| 🛒 Online Shopping | 5% |
5,000 reward points on first transaction
Reward types: Points · Lounge
Beyond the reward rate
The non-reward benefits on IDFC FIRST Bank Mayura Credit Card are meaningful for frequent users. Here is what you get with the card.
Who can apply for IDFC FIRST Bank Mayura Credit Card
IDFC FIRST Bank Mayura Credit Card requires a minimum net monthly income of ₹1,00,000 for salaried applicants and a CIBIL score of 780 or above. It is open to salaried and self-employed applicants.
| Requirement | Detail |
|---|---|
| Minimum monthly income | ₹1,00,000 |
| CIBIL score | 780+ (good to excellent) |
| Age range | 21–60 years |
| Employment type | Salaried & self-employed |
| Typical approval time | 7–10 working days |
Who should (and shouldn't) get IDFC FIRST Bank Mayura Credit Card
- → Heavy spenders on online shopping who want 5% back
- → Frequent travelers who value airport lounge access
- → Low spenders who won't recover the high annual fee
IDFC FIRST Bank Mayura Credit Card — Questions answered
What is the annual fee for IDFC FIRST Bank Mayura Credit Card?
What is the minimum income required for IDFC FIRST Bank Mayura Credit Card?
What is the reward rate on IDFC FIRST Bank Mayura Credit Card for online shopping?
Does IDFC FIRST Bank Mayura Credit Card provide airport lounge access?
How long does it take to get IDFC FIRST Bank Mayura Credit Card approved?
How long does it take to get IDFC FIRST Bank Mayura Credit Card approved?
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Get My Personalised Verdict →Information on this page is gathered from public sources and the card issuer's official website. Fees and reward rates may change — verify the current terms on the issuer's website before applying. SingleVerdict may earn a referral fee if you apply through our links, which does not affect our scoring or editorial decisions.