Card Details
Mayura Metal Card
Monzy Score
8.5/ 10
Excellent for frequent travellers.
The ~₹5,999 fee needs heavy spend to justify; strong ~15% back in its core category.
Card Issuer
IDFC FIRST Bank
Joining Fee
₹5,999
Annual Fee
₹5,999
Reward Type
Reward Points
Card Access
Standard
Earn Points
30X
RP on hotel bookings
15X
RP on flight bookings
10X
RP on spends above ₹20,000 per statement cycle and on birthdays
5X
RP on spends up to ₹20,000 per statement cycle
Benefits
4 domestic + 4 international lounge visits per…
- Stacked reward multipliers
- Earn up to 40X reward points (30X hotels, 15X flights, up to 10X on purchases)
- Points never expire and redeem for up to ₹0.50 via FIRST Rewards Gallery
- Travel perks with lounge access and protections
- 0% forex markup on international spends
- 4 domestic and 4 international airport lounge visits per quarter
- Trip cancellation cover up to ₹50,000 twice a year
- Lounge access activates only after ₹20,000 spend in the previous month
Up to 40X reward points on travel bookings
- Movie privileges
- Buy-one-get-one movie tickets via District by Zomato
- Maximum ₹500 discount on the second ticket twice monthly
- Offer starts 1 July 2025
Reward Calculator
NOTE: Enter your monthly spends to see
projected returns.
Excluded: fuel, rent, wallet, emi, government, education, insurance
Estimated Returns
Dining, Travel & International (10X, no min from Jun2026)
10/150; forex now 5X
₹1,000
Incremental spends above 20000/cycle
10/150
₹0
Base / all other spends
1/150; redemption cap 1.5L pts/mo
₹0
Total Annual Return
₹12,006
3.34% Effective ROIWhat Users Are Saying
Community Feed
Jul 2025
“IDFC First Bank Mayura Card Review”
by r/IndianCreditCards, Jul 2025
“Should I upgrade to IDFC Mayura?”
by r/CreditCardsIndia, Nov 2025
“IDFC Mayura - thoughts?”
by r/CreditCardsIndia, Dec 2025
“Idfc Mayura Metal Card”
by r/IndianCreditCards, Jul 2025
“GOT THIS TODAY "IDFC FIRST MAYURA CREDIT CARD"”
by r/creditcardreviewers, Jun 2026
Frequently Asked Questions
The Mayura Metal Card charges ₹5,999 plus GST as a joining fee and the same ₹5,999 again at renewal. IDFC FIRST Bank waives the renewal fee if you spend ₹8L in the previous year, which is about ₹66,667 a month. If your card spend sits below that, treat ₹5,999 as a real yearly cost that your rewards have to clear first.
Things to Keep in Mind
The 10X reward points are applicable only on incremental spends above ₹20,000 in a statement cycle.
Joining fee of ₹5,999 + GST must be paid upfront and is non-refundable.
Lounge access requires ₹20,000+ monthly spend for next month activation.
Feature revisions noted effective 18 June 2026.
