IDFC FIRST Bank Mayura Credit Card
IDFC FIRST Bank launched the Mayura & Ashva Credit Cards about a year ago under the premium segment as paid variants. While they didn’t make much noise initially, recent upgrades like accelerated rewards and 2X point value have given life to the card.
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IDFC First Bank
IDFC FIRST Bank Mayura Credit Card
Top source-backed claims
Points don’t expire
1 Reward Point = 0.25 INR (Regular) / 1 Reward Point = 0.50 INR (Travel)
1 Reward Point per 150 INR (it was 1RP/100 INR before)
Fees and waiver
1% fuel surcharge waiver up to ₹300 in a statement cycle on fuel transactions valued between ₹200 and ₹5000
Verify before applying
Check issuer terms for exclusions, caps, and updated eligibility before using any benefit claim.
Trust Snapshot
Source count: 3 · Review status: Reviewed · Last dataset refresh: 2 Jul 2026
Quick Decision Summary
This summary is generated from the current website fields to help you interpret the card faster.
What stands out
• High quality score (80) based on current website signals.
• Relatively low annual fee compared with premium-fee cards.
• Includes lounge-related benefits in the current card record.
• Backed by 3 sources in the current dataset.
Good fit if you want
• People who want lower fees without removing stronger card features entirely.
• Travelers who value lounge access as part of card selection.
• People who prefer stronger source-backed confidence before deciding.
• Users comparing cashback or rewards-heavy cards.
Tradeoffs to verify
• missing_eligibility
• missing_rewards
• empty_description
• missing_fees
Application links do not guarantee approval. Affiliate links are labeled, and issuer terms should be verified before applying.
Fees & Key Facts
Joining fee: Not specified
Annual fee: Rs. 4
Quality score: 80 (High)
Sources used: 3
To qualify for the welcome benefit, you’ll need to make 4 transactions of ₹1,000+ each within the first 60 days. The renewal benefit is cleverly designed to offer value for high spenders.
Eligibility & Documentation
Not specified
Documents required
Not available
Rewards
• Points don’t expire
• 1 Reward Point = 0.25 INR (Regular) / 1 Reward Point = 0.50 INR (Travel)
• 1 Reward Point per 150 INR (it was 1RP/100 INR before)
• Redemption Charges: 99 INR+GST
• Redemption Cap: 3L points/Yr and 1.5L points/month
• Flight and hotel bookings made via the “Travel & Shop” section on the IDFC FIRST Bank app now earn bonus rewards as above.
• The new travel redemption option gives 2X the point value (0.50 INR/point) which is a good motivator for IDFC Wealth Credit Card holders to consider switching to Mayura for better value on redemptions.
• Digital RuPay Card, linked to existing IDFC FIRST Bank Credit Card
Benefits
Not available
Features
• Complimentary rounds: Upto 2/month (games & lessons)
• This benefit is linked to spend requirement.
• Spends of 20,000 INR (or) 40,000 INR are required to unlock 1 (or) 2 rounds respectively. Spends done in a billing cycle are tracked for this domestic golf benefit.
• All the complimentary rounds earned in a billing cycle will be eligible for redemption from 1st of next month and will be available for redemption upto 2 months (60 days).
• Movie Offer: Buy 1 Get 1 offer on movie tickets up to ₹500, twice a month
• Complimentary Road Side Assistance (RSA) worth ₹1,399
• Trip Cancellation Cover: Free trip cancellation cover of up to ₹50,000 for up to 2 claims on hotel & flight bookings in a year
• 1% fuel surcharge waiver up to ₹300 in a statement cycle on fuel transactions valued between ₹200 and ₹5000
Lounge Access
• Domestic lounge access also comes with 1 guest access (per Qtr) which is a good feature to have.
• A minimum monthly spend of ₹20,000 is required in the current calendar month to qualify for lounge access in the following month.
• It’s quite unfair to expect monthly spends on a card that costs almost 7K INR.
Insurance
Not available
Pros
Not available
Cons
Not available
Source Links
Related Cards from IDFC First Bank
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Official listing reward highlights: Rewards.
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Relatively low annual fee compared with premium-fee cards.
This card has limited source coverage in the current dataset.
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Best for: Travelers who value lounge access as part of card selection.
Check source
Check source
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Frequent travellers.
High quality score (90) based on current website signals.
Fee details are incomplete or not clearly stated in the current dataset.
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Best for: People who want lower fees without removing stronger card features entirely.
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Official listing reward highlights: Rewards.
Official listing highlights: UPI-ready, Rewards.
Relatively low annual fee compared with premium-fee cards.
This card has limited source coverage in the current dataset.
FIRST Business Credit Card is listed by IDFC FIRST Bank with: FIRST Business UPI Rewards 1.99 Forex.