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IDFC FIRST Mayura Credit Card

The IDFC FIRST Mayura Credit Card offers premium benefits for frequent travelers and rewards enthusiasts. Cardholders can earn up to 10X reward points on all spends, enjoy zero foreign exchange markup fees, and get 16 international lounge visits annually. The card carries a first-year fee of ₹5,999 plus applicable taxes.

IDFC FIRST Mayura Credit Card

About IDFC FIRST Mayura Credit Card

The IDFC FIRST Mayura Credit Card is a premium metal card tailored for high-spending individuals, offering rewards and benefits across travel, dining, shopping, and lifestyle categories. Cardholders can earn up to 10X reward points on monthly spends exceeding ₹20,000, though the low redemption rate of ₹0.25 per point limits the effective value to around 1.66%, even at maximum rewards.

While the card does not offer an annual fee waiver, it provides welcome cashback and bonus points on renewal, which partly offset the ₹5,999 fee.

The card stands out for travel perks, including zero forex markup fees, complimentary domestic and international lounge access, trip cancellation protection, and comprehensive travel insurance. Additional lifestyle benefits such as free golf rounds, movie tickets, and reward points on shopping make it an attractive option for frequent travelers seeking a versatile, premium credit card.

Rewards & Travel Advantages

Rewards Program

  • Earn 10X points on monthly spending exceeding ₹20,000 and on special birthday transactions.

  • Earn 5X points on monthly spending below ₹20,000.

  • Earn 3X points on transactions of ₹2,000 or more on digital card payments, rent, wallet top-ups, education, and government services.

  • Earn 1X points on spends below ₹2,000 on utilities, insurance, and digital card payments.

  • 1 Reward Point is credited for every ₹150 spent.

  • Points can be redeemed at a rate of 1 Reward Point = ₹0.25.

Travel Privileges

  • No foreign currency conversion fees on international spends.

  • Up to 16 complimentary visits per year to domestic airport lounges and spa facilities, with a maximum of 4 per quarter, including one guest pass per visit.

  • Up to 16 complimentary visits to international airport lounges annually, capped at 4 per quarter.

  • Up to 16 complimentary railway lounge visits per year at selected stations, with a maximum of 4 per quarter. Guests can accompany cardholders using the allotted visits.

Trip Cancellation Coverage

  • Reimbursement of non-refundable flight and hotel bookings up to ₹50,000, twice per year.

Hotel Privileges

  • Get ₹5,000 off on minimum bookings of ₹25,000 at select luxury resorts and hotels once every quarter.

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Additional Features & Perks

Welcome Rewards

  • Earn ₹4,000 cashback on any four transactions of ₹1,000 or more made within the first 60 days of card activation.

  • Receive 5,000 bonus reward points once the card is successfully delivered.

Golf Privileges

  • Up to 24 golf rounds or lessons annually, with a limit of 2 per month.

  • First complimentary round or lesson unlocked on monthly spending of ₹20,000.

  • Second complimentary round or lesson unlocked on monthly spending of ₹40,000.

Entertainment Benefit

  • Buy one movie ticket and get up to ₹500 off the second ticket on the official ticketing platform, twice per month.

Milestone Rewards

  • Earn 7,500 points (worth ₹1,875) on annual spending of ₹8 lakh.

  • Earn 15,000 points (worth ₹3,750) on annual spending of ₹15 lakh.

Fuel Surcharge Waiver

  • Get 1% waiver on fuel transactions between ₹200 and ₹5,000, up to ₹300 per month.

Premium Privileges via Mastercard World

  • Exclusive dining discounts at over 350 partner restaurants through culinary programs.

  • 4 complimentary golf rounds and 12 golf lessons each year.

Comprehensive Insurance Coverage

  • Air accident cover: ₹1 crore.
  • Personal accident cover: ₹10 lakh.
  • Lost card liability protection: ₹50,000.
  • Compensation for lost checked-in baggage: USD 500.
  • Reimbursement for delayed baggage: USD 100.
  • Coverage for delayed flights and loss of passport/documents: USD 300 each.
  • Roadside assistance support: ₹1,399.

IDFC FIRST Mayura Credit Card Reward Points & Cashback Calculator

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Fees and Charges

Type of Fee/ Charge Amount
Joining Fee Rs. 5,999 + Applicable Taxes
Annual Fee Rs. 5,999 + Applicable Taxes
Finance Charges 0.75% to 3.99% p.m. (9% to 47.88% p.a.)
Late Payment Charges 15% of total amount due as per the previous statement minus any payments received before the due date (subject to a min. of Rs. 100)

Things to Know Before Applying

Who Should Consider This Card

  • Ideal for those seeking a versatile credit card with an annual fee of ₹5,999.

  • Suitable for individuals with frequent international transactions, thanks to zero foreign exchange markup fees.

  • Best for users who can maximize rewards by meeting spend-based milestones.

  • Perfect for frequent travelers looking for a semi-premium card with benefits across multiple categories.

Eligibility Requirements

  • Age: 21 to 65 years.

  • Occupation: Salaried or self-employed professionals.

  • Income: ₹25 lakh per annum or higher.

Steps to Close IDFC FIRST Mayura Credit Card

If you want to close your IDFC FIRST Mayura Credit Card, you can easily initiate the process through the digital banking services offered by IDFC FIRST Bank.

Close via Mobile App or Net Banking

Follow these simple steps to request closure:

  • Step 1: Log in to Your Account
    Access your IDFC FIRST Bank mobile app or internet banking using your registered credentials.
  • Step 2: Go to Cards Section
    Navigate to the Accounts/Cards section and select your Mayura Credit Card.
  • Step 3: Select Closure Option
    Choose the close card or card closure option from the available settings.
  • Step 4: Enter Required Details
    Provide the required information such as the reason for closure and complete the verification process.
  • Step 5: Confirm the Request
    Review all details carefully and submit your request. OTP verification may be required.

Important Things to Check Before Closing

  • Ensure there are no pending dues on your card

  • Clear all EMIs and outstanding balances

  • Redeem all reward points or benefits before closure

  • Cancel any auto-debits or subscriptions linked to the card

After Submitting the Request

  • Avoid using the card after placing the closure request

  • Safely destroy the card after receiving confirmation

  • Check your credit report after a few weeks to ensure the status is updated as “Closed”

IDFC FIRST Mayura Credit Card Helpline Number

If you need assistance regarding your IDFC FIRST Mayura Credit Card, you can connect with the customer support team of IDFC FIRST Bank. The bank offers reliable support for billing queries, transactions, card blocking, and closure requests.

Customer Care Numbers (24×7)

These helpline numbers are available round the clock for all credit card-related queries.

Email Support

You can send your queries or complaints from your registered email ID for faster resolution.

Services Available

Customer care can assist you with:

  • Credit card billing and transaction-related queries

  • Payment and statement support

  • Blocking your card in case of loss or fraud

  • Credit card closure or cancellation requests

  • General banking assistance

Important Note

  • Keep your registered mobile number ready for verification

  • Always use official contact details to avoid fraud or scams

FAQs

How do I access complimentary airport lounge visits with this card?

You can enjoy up to 16 domestic and 16 international lounge visits each year. To qualify, ensure your monthly spending reaches ₹20,000 in the previous month.

No, this card comes with zero forex markup charges, making it ideal for international transactions.

You can apply by visiting any IDFC FIRST Bank branch or by submitting an online application through the official website.

The reward points remain valid as long as your credit card account is active; there is no expiry.

The card does not offer a direct annual fee waiver. However, you can earn milestone reward points—7,500 points on ₹8 lakh annual spending or 15,000 points on ₹15 lakh spending.

The bank assigns the credit limit based on factors such as income, credit history, and repayment behavior. The approved limit is communicated when the card is issued.