Question 1

What is the annual fee on the Mayura Metal Card and how do you get it waived?

Accepted Answer

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.

Question 2

What is the reward rate on the Mayura Metal Card?

Accepted Answer

You earn 60 points per ₹150 on hotel bookings via IDFC FIRST Bank Mobile App. Everything else earns 1 point per ₹150. Each point is worth about ₹0.25 when you redeem it well, so ₹10,000 of top category spend gives you 4000 points, roughly ₹1,000, which is about 10% back. Fuel, EMI transactions, Cash withdrawals earn nothing at all.

Question 3

Does the Mayura Metal Card give free airport lounge access?

Accepted Answer

The Mayura Metal Card gives 4 complimentary domestic lounge visits a year, usually capped at 1 per quarter. International lounge visits are capped at 4 a year. Access is not automatic any more, because you need ₹20,000 of spend in the previous quarter before the visits become available, which is ₹6,667 a month.

Question 4

What changed on the Mayura Metal Card recently and is it still worth it in 2026?

Accepted Answer

Base ₹150→₹200; intl 10X→5X; FASTag/railway 1X + 1% fees; no RP if min due unpaid. The changes are dated Jan 18, 2026. At ₹8L of yearly spend the card returns roughly ₹6,640 at its general rate of about 0.83%, against a ₹5,999 renewal fee. That clears the fee, but not by much, so it is worth keeping only while your spending stays in the accelerated category.

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