IDFC FIRST Bank · researched credit card
IDFC FIRST Mayura Credit Card
A premium IDFC FIRST metal card with Nil forex markup in the current fee schedule, substantial lounge access and a paid-renewal reward benefit rather than a fee waiver.
First-party evidenceActiveReviewed September 11, 2026
Annual fee₹5,999 under the current IDFC FIRST Bank schedule of charges.
Joining fee₹5,999 under the current IDFC FIRST Bank schedule of charges.
NetworkPremium metal card; network variant is issuance-dependent in the reviewed material.
Last reviewedSeptember 11, 2026
Research processPublished by littleden.blog
Structured from first-party bank/issuer evidence. This page does not claim personal hands-on product use unless that experience is explicitly stated.
4 first-party sources
Last checkedSeptember 11, 2026
Recorded source review date, not a claim that the product changed that day.
Maintenance stateWithin scheduled review window
Target recheck: October 26, 2026.
Decision brief
Start with fit before chasing headline benefits.
The card may be attractive for a specific use case while still being a poor fit once fees, spending thresholds, exclusions or travel conditions are considered.
- The ₹5,999 annual fee must actually be paid before the annual-fee-payment reward benefit applies.
- The ₹8 lakh / ₹15 lakh spend thresholds award reward points; they do not waive the renewal fee.
- Lounge quotas and qualifying programme rules should be evaluated separately from the zero-forex benefit.
Four critical factors
Read these four fields before anything else.
They usually determine whether the card's published proposition survives contact with your actual spending and travel pattern.
Published terms
Exact decision fields from the maintained profile.
These fields preserve source wording and conditions rather than reducing the card to a single score.
Joining fee₹5,999 under the current IDFC FIRST Bank schedule of charges.
Annual fee₹5,999 under the current IDFC FIRST Bank schedule of charges.
Fee waiverNo annual-fee waiver is stated; after paying the ₹5,999 + GST annual fee, ₹8 lakh / ₹15 lakh prior-anniversary-year spend earns 7,500 / 15,000 reward points respectively under the annual-fee-payment benefit.
RewardsCurrent issuer positioning advertises up to 10X reward points; the annual-fee-payment benefit can separately award 7,500 or 15,000 points at the published prior-year spend thresholds after fee payment.
NetworkPremium metal card; network variant is issuance-dependent in the reviewed material.
Lounge accessCurrent IDFC FIRST material lists 4 domestic and 4 international lounge visits per quarter for Mayura, plus one guest entry at domestic airports, subject to programme conditions.
Forex markup0% / Nil forex markup under the current IDFC FIRST Bank fee schedule and card-directory positioning.
Value interpretation
Separate published mechanics from personal value.
The same card can produce very different value depending on where you spend, whether you hit thresholds and whether caps or exclusions matter.
Annual-cost test
Treat the annual fee as a cost that must be recovered from benefits you would have used anyway.
Reward-value test
Reward points should be converted into a realistic rupee value using the redemption route you are actually likely to use.
Travel-benefit test
Treat lounge access, transfer partners and travel vouchers as conditional value. Check spend thresholds, visit caps and redemption rules.
Approval reality
Published eligibility is not a promise of approval. Issuers can apply internal underwriting, documentation and credit-limit policies.
Decision checklist
Five questions to answer before applying.
These questions turn the researched terms into a personal decision without estimating approval odds.
Would you pay the stated annual fee if you did not hit the waiver?
₹5,999 under the current IDFC FIRST Bank schedule of charges. · No annual-fee waiver is stated; after paying the ₹5,999 + GST annual fee, ₹8 lakh / ₹15 lakh prior-anniversary-year spend earns 7,500 / 15,000 reward points respectively under the annual-fee-payment benefit.
Does your normal spending actually fall into the card’s rewarded categories?
Current issuer positioning advertises up to 10X reward points; the annual-fee-payment benefit can separately award 7,500 or 15,000 points at the published prior-year spend thresholds after fee payment.
Are the lounge and international-use terms useful for your real travel pattern?
Current IDFC FIRST material lists 4 domestic and 4 international lounge visits per quarter for Mayura, plus one guest entry at domestic airports, subject to programme conditions. · 0% / Nil forex markup under the current IDFC FIRST Bank fee schedule and card-directory positioning.
Can you realistically track the caps, channels and exclusions behind the headline benefit?
The ₹5,999 annual fee must actually be paid before the annual-fee-payment reward benefit applies. The ₹8 lakh / ₹15 lakh spend thresholds award reward points; they do not waive the renewal fee.
Does the application route fit your profile without assuming approval?
Current IDFC FIRST card directory lists annual income above ₹25 lakh; issuance remains subject to the bank’s assessment.
Eligibility & underwriting
Published eligibility is not an approval prediction.
Income, bureau history, geography, documentation, existing relationship and the issuer's internal underwriting can all change the outcome.
Published eligibility
Current IDFC FIRST card directory lists annual income above ₹25 lakh; issuance remains subject to the bank’s assessment.
Maintained comparisons
Compare this card against exact researched alternatives.
Pairs are curated only where the engine has enough decision value to justify a maintained comparison page.
Decision checks
Annual feeFee waiverReward rules
Decision checks
Annual feeFee waiverReward rules
Research next
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These routes help you inspect related cards, the same issuer's portfolio and—where mapped—the wider bank relationship.
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Accounts, debit cards & deposits
First-party evidence ledger
Verify the card against the documents behind the profile.
Source links, reviewed fields and unresolved verification gaps remain visible. Research freshness is not a guarantee that the issuer has not changed terms after the stated review date.
Evidence statefirst party verified
ReviewedSeptember 11, 2026
Issuer documents4
Terms confirmed in the profile
Joining feeAnnual feeFee waiverRewardsLoungeForexEligibilityStatus
Issuer evidenceDocument typeOpen
Primary sourceFee / charge scheduleView ↗
Supporting source 2Issuer product pageView ↗
Supporting source 3Issuer documentView ↗
Supporting source 4Issuer documentView ↗
Verification means these published terms were checked against the linked first-party issuer material on the review date. It does not mean the issuer guarantees approval, a credit limit or that terms cannot change later.