Mayura Credit Card

Lounge access

• Airport lounge: Up to 4 complimentary visits per quarter to select lounges and spas in Indian airports (domestic and international), including 1 complimentary visit per quarter for accompanying guest.
• Up to 4 complimentary visits per quarter to lounges at select overseas airport terminals.
• Airport spa: one service (Foot Reflexology / Head or Shoulder Massage / Upper Back Massage) up to 30 minutes.
• Railway lounge: up to 4 complimentary visits per quarter.
• All subject to minimum monthly spends of ₹20,000 (spends between 1st and last day of a calendar month counted for access in next month).
• ₹2 nominal charge on card for authorization.

Verified · Mayura Credit Card Privileges / Reward Program & Benefits document · 2026-07-15 · source

Forex markup

Nil (zero) markup charges on foreign currency transactions and Dynamic & Static Currency Conversion transactions.

Verified · Most Important Terms & Conditions (MITC) - all cards, governs Mayura, effective 18 June 2026 · 2026-07-15 · source

Charge

• Charges effective 18 June 2026: Add-on card fee (Metal Variant joining ₹4,000 / Plastic Variant joining ₹3,000; Annual fee both variants ₹2,000).
• Finance charge (interest on purchases/cash advances/outstanding): Monthly 0.71%-3.85% (Annual 8.5%-46.2%).
• Overdue interest Monthly 3.99% (Annual 47.88%).
• Cash advance transaction fee: ₹199.
• Late payment charges: 15% of Total Amount Due (min ₹100, max ₹1,300).
• Over-limit charges: 2.5% of over-limit amount (min ₹550).
• Return of cheque/Auto-Debit SI/Payment Return: 2% of payment amount (min ₹500).
• Reward Redemption Fee: ₹99 per redemption.
• Card replacement fee (Metal Variant): ₹3,500.
• Rent and Property Management Fee: 1% (min ₹249 per transaction, domestic only).
• Utility Fee: 1% if utility spends exceed ₹20,000/statement cycle.
• Passenger Railways Transaction Fee: 1% if railway spends exceed ₹25,000/cycle.
• Tolls and Bridges Transaction Fee: 1% if spends exceed ₹10,000/cycle.
• Education Payment Fee: 1% on education spends via third-party apps (min ₹249).
• GST: 18% on all fees, interest and charges.
• Cash payment at branches, duplicate statement, outstation cheque, cheque/cash processing, charge slip request: NIL.

Verified · Most Important Terms & Conditions (MITC) - all cards, governs Mayura, effective 18 June 2026 · 2026-07-15 · source

Interest-free period

• Interest-free (grace) period of up to 45 days, varying by transaction date and statement date.
• Not applicable if the previous month's statement balance has not been cleared in full by the due date.

Verified · Most Important Terms & Conditions (MITC) - all cards, governs Mayura, effective 18 June 2026 · 2026-07-15 · source

Fuel surcharge waiver

• 1% Fuel Surcharge Waiver on fuel transactions valued between ₹200 and ₹5,000.
• Maximum fuel surcharge waiver of ₹300 per statement cycle.
• Fuel Fee: 1% fee applied to total fuel spends only if total fuel spends in a statement cycle exceed ₹30,000.

Verified · Most Important Terms & Conditions (MITC) - all cards, governs Mayura, effective 18 June 2026 · 2026-07-15 · source

Milestone benefit

• Annual Fee Payment Benefit: On payment of annual fee of ₹5,999 + GST, spend minimum ₹8,00,000 in the previous card anniversary year and get 7,500 Reward Points (worth up to ₹3,750), OR spend minimum ₹15,00,000 and get 15,000 Reward Points (worth up to ₹7,500).
• Only one of the two benefits can be availed.
• Also: Accelerated bonus reward points on Travel & Shop bookings - 30 bonus reward points per ₹150 on hotels, 15 bonus reward points per ₹150 on flights (bonus capped at 25,000 points/month). | Movie Offer: Buy one movie ticket and get up to ₹500 off on the second movie ticket on BookMyShow website and mobile application, twice in a calendar month (maximum discount ₹1,000 per month in split of up to two transactions).
• Valid till 31st March 2025.

Verified · Mayura Credit Card - Annual Fee Payment Benefit Terms & Conditions · 2026-07-15 · source

Redemption value

• 1 Reward Point = ₹0.50 on travel bookings (hotel & flights only) via FIRST Rewards Gallery/Travel & Shop section on IDFC FIRST Bank Mobile App.
• 1 Reward Point = ₹0.25 on all other redemptions (gift vouchers, products, and Pay using reward points).
• Reward Redemption Fee: ₹99 per redemption transaction.

Verified · Mayura Credit Card product page · 2026-07-15 · source

Reward cap

• Total bonus reward points that can be earned in a calendar month: 25,000.
• Redeemable reward points capping: 1,50,000 per calendar month and 3,00,000 per calendar year.
• Rewards earned only for spends up to credit limit per billing cycle.

Verified · Mayura Credit Card - Reward Points Structure Terms & Conditions · 2026-07-15 · source

Reward exclusion

Verified · Mayura Credit Card - Reward Points Structure Terms & Conditions · 2026-07-15 · source

Golf benefit

• Up to two (2) complimentary golf rounds or golf lessons every month for every ₹20,000 of monthly statement spends: one complimentary golf round/lesson for fresh monthly statement spends of ₹20,000, two for fresh monthly statement spends of ₹40,000 and above.
• Booking via Golftripz.
• Card Validation Fee of ₹2 per booking.

Verified · Mayura Credit Card Privileges / Reward Program & Benefits document · 2026-07-15 · source

Travel benefit

Complimentary Road Side Assistance (RSA) all over India, up to 4 times in a year, worth ₹1,399, through Global Assure (available via toll-free number).

Verified · Mayura Credit Card Privileges / Reward Program & Benefits document · 2026-07-15 · source

Insurance

• Complimentary insurance coverages (via National Insurance Company Ltd): Card Liability Cover ₹50,000.
• Personal Accident (death/permanent disability) ₹10,00,000.
• Credit Shield ₹50,000.
• Purchase Protection ₹50,000.
• Personal Air Accident ₹1,00,00,000.
• Travel Insurance - Loss of Checked-In Baggage USD 500, Delay in Flight USD 300, Delay of Checked-In Baggage USD 100, Loss of Passport and other documents USD 300.
• Cover applicable for active card (at least 1 purchase/ATM withdrawal in last 30 days).
• Travel/air accident cover applicable only if ticket purchased using the card.

Verified · Mayura Credit Card Privileges / Reward Program & Benefits document · 2026-07-15 · source

Official terms

https://www.idfcfirst.bank.in/credit-card/metal-credit-card/mayura.

Verified · Mayura Credit Card product page · 2026-07-15 · source