IDFC Mayura

Premium zero-forex travel card with peacock-level flair.

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Forex

0% foreign currency markup

Rewards

5X up to Rs 20K, 10X above Rs 20K eligible spends per cycle; reduced-rate categories excluded

Lounge

4 domestic + 4 international visits/quarter

Movies

BOGO up to ₹500 twice/month after ₹20K previous-month spend

Golf

One at ₹20K / two at ₹40K previous-cycle spend

0% forex

10X above Rs 20K

CFAR cover

Zero forex

Zero foreign currency markup makes Mayura especially useful for international transactions.

5X and 10X rewards

Earn 5X RP per Rs 150 up to Rs 20,000 spends and 10X on incremental monthly spends above Rs 20,000.

Restricted spends earn

3 RP/₹150 on rent, wallets, education and government; 1 RP/₹150 on insurance, utilities, FASTag and railways. These do not receive the regular accelerated slab

Lounge-heavy travel

Includes domestic, international and railway lounge access; 1 domestic guest visit is included within the 4 domestic visits each quarter.

Movie and golf perks

District BOGO up to ₹500 on the second ticket, twice/month, after ₹20,000 in the previous calendar month from 18 June 2026 Previous statement-cycle spending: ₹20,000 unlocks one round/lesson, ₹40,000 unlocks two; booking and availability conditions apply

CFAR protection

CFAR policy 8 May 2026–7 May 2027: aggregate ₹25,000 flights + ₹25,000 hotels, non-interchangeable, maximum two cancellations shared primary/add-ons. Cancel at least 24 hours before departure/check-in; claim and policy exclusions apply

Movie savings

District BOGO up to ₹500 on the second ticket, twice/month, after ₹20,000 in the previous calendar month from 18 June 2026

IDFC Mayura: fees & key facts

IDFC Mayura credit card fees and key facts
Joining fee	Rs 5,999 + GST, charged upfront before card dispatch
Annual fee	Rs 5,999 + GST
Spend-based waiver	Not available
Welcome benefit	Up to 12,000 RP: 4,000 on joining-fee payment, 4,000 at ₹20,000 or more spend in the second statement cycle and 4,000 at ₹20,000 or more in the third
Base rewards	5X Reward Points per Rs 150 on spends up to Rs 20,000 in a statement cycle
Incremental rewards	10X Reward Points per Rs 150 on incremental spends above Rs 20,000 in a statement cycle
International spends	5X Reward Points per Rs 150 and zero foreign currency markup
Restricted categories	3 RP/₹150 on rent, wallets, education and government; 1 RP/₹150 on insurance, utilities, FASTag and railways. These do not receive the regular accelerated slab
No rewards	No rewards on fuel, EMI-converted transactions, fees or charges, loan on card, balance transfer and cash withdrawals
Reward value	1 RP = Rs 0.50 for travel bookings through IDFC Travel & Shop; 1 RP = Rs 0.25 elsewhere
Travel accelerators	From 18 June 2026: IDFC Travel & Shop bonus 30 RP/₹150 on hotels and 15 on flights; 25,000 bonus RP/month cap
Redemption cap	150,000 RP/month and 300,000 RP/year; points pay at most 70% of an eligible travel booking
Domestic lounge	4 complimentary domestic airport lounge visits per quarter, including 1 guest visit within the 4-visit allowance; spend eligibility applies
International lounge	4 complimentary international lounge visits per quarter
Railway lounge	4 complimentary railway lounge visits per quarter, up to 16 per year; from 20 February 2025, unlocked after Rs 20,000 previous-month spends
Movies	District BOGO up to ₹500 on the second ticket, twice/month, after ₹20,000 in the previous calendar month from 18 June 2026
Trip cancellation	CFAR policy 8 May 2026–7 May 2027: aggregate ₹25,000 flights + ₹25,000 hotels, non-interchangeable, maximum two cancellations shared primary/add-ons. Cancel at least 24 hours before departure/check-in; claim and policy exclusions apply
Golf	Previous statement-cycle spending: ₹20,000 unlocks one round/lesson, ₹40,000 unlocks two; booking and availability conditions apply
Postcard Hotels	₹5,000 off an eligible ₹25,000+ India stay, valid to 10 February 2027. Product page says once/quarter; linked PDF says once/month. Plan on the quarterly product entitlement until the applicable booking terms confirm otherwise
Annual benefit	7,500 RP on Rs 8 lakh previous-card-anniversary-year spends or 15,000 RP on Rs 15 lakh spends; only one annual benefit can be availed
Fuel surcharge waiver	1% waiver on fuel transactions between Rs 200 and Rs 5,000, capped at Rs 300 per statement cycle
Cash advance charge	Rs 199
Earning ceiling	Rewardable spending is limited to the credit limit per statement cycle

Public issuer terms checked 3 October 2026.

Postcard frequency conflicts between the product page (quarterly) and offer PDF (monthly). The page uses the conservative quarterly entitlement pending issuer clarification.

IDFC Mayura product IDFC effective 18 June 2026 notice IDFC Mayura rewards terms (internally updated May 2026)IDFC Mayura CFAR policy IDFC Postcard offer terms

Who should get it

IDFC FIRST Mayura is a premium travel card with a striking metal-style peacock design, zero forex markup and broad lounge access. It is especially interesting for users who travel internationally or spend meaningfully every month.

The reward structure is unusual: 5X on spends up to Rs 20,000 per statement cycle, 10X on incremental spends above Rs 20,000, 5X on international spends, and even rewards on normally restricted categories like rent, wallet, education and government payments.

The fee is the friction point. There is no spend-based fee waiver or meaningful renewal benefit, so Mayura works best if you use the zero forex, lounges, movies, golf, CFAR cover and annual milestone benefits.

Reward exclusions

Transactions that do not earn Reward points

Eligibility follows the merchant category code and transaction data received by the issuer, so the merchant name alone may not determine whether a transaction earns rewards.

Fuel and transactions converted to EMI
Fees, charges and their GST
Loan-on-card, balance transfers and cash withdrawals
Transactions below ₹150

Rent, government, wallet loads and education earn 3 points per ₹150; insurance and utilities earn 1 point per ₹150. These categories do not receive the accelerated 10-point rate.

Checked 3 October 2026IDFC FIRST Mayura rewards programme

IDFC Mayura FAQs

What is the joining fee for IDFC Mayura?

The IDFC FIRST Mayura Credit Card has a joining fee of Rs 5,999 plus GST, charged upfront before card dispatch.

Does IDFC Mayura have zero forex?

Yes. The Mayura Credit Card has zero foreign currency markup, making it useful for international transactions.

How do Mayura rewards work?

The card earns 5X Reward Points per Rs 150 up to Rs 20,000 spends in a statement cycle and 10X on incremental spends above Rs 20,000. International spends earn 5X, and some restricted categories still earn 3X or 1X.

What lounge access does IDFC Mayura include?

It includes 4 domestic airport lounge visits per quarter, with 1 guest visit counted within those 4 visits. It also includes 4 international and 4 railway lounge visits per quarter. Spend eligibility applies for lounge benefits.

Does IDFC Mayura offer renewal benefits?

There is no worthwhile renewal benefit or spend-based annual fee waiver. Annual milestone points are available at Rs 8 lakh or Rs 15 lakh spends, but the annual fee itself is not waived.

What is the Mayura movie benefit?