IDFC FIRST Mayura Credit Card Review: Your Gateway to Premium Rewards

Proudly Indian? What if your credit card reflects the pride of India itself?  The IDFC FIRST Mayura credit card stands out with its India-inspired design, celebrating timeless heritage and modern excellence.

Crafted for those who value exclusivity, this card offers premium privileges like earning up to 60X reward points, 24 complimentary golf lessons and a BOGO deal on movie tickets. 

And, all of these are just the beginning! Scroll down to unlock what makes this card truly special.

5 Exclusive IDFC FIRST Bank Mayura Credit Card Benefits

1. Complimentary Golf Lessons

Cardholders can enjoy up to 24 complimentary golf rounds or lessons every year with the IDFC FIRST Mayura credit card, with a maximum of 2 sessions each month. You can unlock your first free round or lesson by spending ₹20,000 in a month and earn a second one when your monthly spends reach ₹40,000. 

Eligible cardholders can click here to schedule their first free golf lessons. Every session is valid for 60 days from the date of booking. While booking for the golf session, cardholders must pay a card validation fee of ₹2 using their IDFC FIRST Mayura card. 

2. Complimentary Movie Tickets

Enjoy a Buy One Get One Free movie ticket offer twice every calendar month, with up to ₹500 off on the second ticket. Book 2 tickets on the District App by Zomato using your IDFC FIRST Bank Mayura credit card, apply the promo code IDFCMAYURA and get up to ₹500 off on one ticket. 

3. Airport Lounge Access

You can get up to 4 complimentary visits per quarter to participating domestic airport lounges, including 1 complimentary guest visit per quarter. The IDFC FIRST Bank Mayura credit card lounge access program also offers up to 4 complimentary lounge visits per quarter at select global airports. 

This shared benefit applies to both primary and add-on cardholders and is available upon achieving a minimum monthly spend of ₹20,000. 

4. Railway Lounge Access

Cardholders can enjoy up to 4 complimentary lounge visits at select Indian railway terminals. If you spend a minimum of ₹20,000 monthly, you will be eligible for this benefit. Spends are counted from the 1st to the last day of the calendar month, with access granted in the following month. 

5. Discount on The Postcard Hotels & Resorts Stays

You can get a luxurious staycation at The Postcard hotels and resorts across India with your Mayura credit card. Get a flat ₹5,000 discount on bookings of ₹25,000 or more, once every calendar quarter. Use promo code IDFCVIP to avail the offer, valid till 10th February, 2027. 

Note: Cash withdrawals, EMI conversions, balance transfer, loans and applicable fees will not be considered as eligible spends to earn Reward Points or privileges. 

For the complete list of participating airports and railway lounges, click here. 

How to Earn Reward Points on the Mayura Credit Card? 

The card welcomes you with up to 12,000 Reward Points. Cardholders get 4,000 points after paying the joining fee. 4,000 additional points are credited on spending over ₹20,000 in the second statement cycle. Cardholders can earn another 4,000 points on spending over ₹20,000 in the third statement cycle. 

This joining benefit is applicable for cards issued on or after 1st September, 2025.

In addition to this, every spending on the Mayura credit card brings you closer to earnings. Take a look: 

Rewards Type	Transaction Details	Reward Points
Base	On eligible spends up to ₹20,000	5 Reward Points per ₹150
	On eligible spends above ₹20,000	10 Reward Points per ₹150
	On rental, governmental, wallet top-up and education-related spends	3 Reward Points per ₹150
	On insurance and utility transactions	1 Reward Point per ₹150
Accelerated	Hotel reservations via ‘Travel & Shop’ on the IDFC FIRST mobile banking app	Base Rewards + 50 Reward Points per ₹150
	Flight booking via ‘Travel & Shop’ on the IDFC FIRST mobile banking app	Base Rewards + 30 Reward Points per ₹150

Let us understand this reward structure by an example: 

Suppose the monthly spending by a cardholder looks like the following:

• ₹18,000 on shopping and dining
• ₹7,500 on insurance payment
• ₹12,000 on hotel booking via Travel & Shop (IDFC FIRST mobile app)
• ₹6,000 on flight booking via Travel & Shop (IDFC FIRST mobile app)

Total monthly spend: ₹43,500. Here is a breakdown of how you can earn: 

1. The cardholder gets the welcome benefit of 4,000 Reward Points. 
2. Base Rewards (up to ₹20,000 spend)
   1. First ₹20,000 qualifies for base rewards 
   2. ₹20,000 / ₹150 = 133 units 
   3. 133 x 5 = 665 Reward Points 
3. Base Rewards (above ₹20,000 spend)
   1. Remaining eligible spend (₹43,500 - ₹20,000 = ₹23,500) 
   2. ₹23,500 / ₹150 = 156 units 
   3. 156 x 10 = 1,560 Reward Points 
4. Insurance Spend (₹7500)
   1. ₹7,500 / ₹150 = 50 units 
   2. 50 x 1 = 50 Reward Points
5. Hotel Booking via Travel & Shop (₹12,000)
   1. Base reward: ₹12,000 / ₹150 = 80 units x 10 = 800 Points 
   2. Accelerated reward: 80 x 50 = 4,000 Points 
   3. Total hotel rewards: 4,800 Points
6. Flight Booking via Travel & Shop (₹6,000)
   1. Base reward: ₹6,000 / ₹150 = 40 units x 10 = 400 points 
   2. Accelerated reward: 40 x 30 = 1,200 points 
   3. Total flight rewards: 1,600 points 

Total Reward Points earned in the first month of joining are 12,675. 

Points to Keep in Mind: 

• Cardholders can earn a maximum of 25,000 Reward Points per month. 
• Maximum redeemable Reward Points are 150,000 per month and 300,000 per year. 
• Bonus Reward Points are applicable only on full card payments. Transactions made using Cash and Reward Points are not eligible for bonus points.
• Bonus Reward Points are credited by the 5th of the next calendar month after travel completion or hotel check-in.
• If a booking is cancelled, both the cash amount and reward points used will be refunded to the source within 5 - 7 business days.

Thinking of adding the IDFC FIRST Mayura credit card to your wallet? Apply directly through the official IDFC FIRST Bank website for a smooth process. 

💡And for effortless credit card management, link your Mayura card to the Pice app, an exclusive app that tracks all your cards, sets payment reminders and ensures you never miss a due date.

Annual Benefit on the IDFC FIRST Bank Mayura Credit Card 

By paying the annual fee, a Mayura Credit Cardholder can earn bonus Reward Points based on their previous year’s spending: 

1. Spend at least ₹8,00,000 in the prior card anniversary year and receive 7,500 Reward Points 
2. Spend at least ₹15,00,000 in the prior card anniversary year and receive 15,000 Reward Points.

IDFC FIRST Bank Mayura Credit Card Travel Insurance Coverage 

1. Air Accident and Lost Card Liability Coverage 
   1. Air Accident Cover: ₹10,000,000
   2. Personal Accident Cover: ₹10,00,000 
   3. Lost Card Liability: ₹50,000 

Note: This insurance coverage is valid if at least one transaction is made on the card in the last 30 days. 

2. Comprehensive Insurance Coverage 
   1. Loss of Checked-In Baggage: Approx. ₹45,000 ($500) 
   2. Delay of Checked-In Baggage: Approx. ₹9,000 ($100) 
   3. Loss of Passport and Other Documents: Approx. ₹27,000 ($300) 
   4. Flight Delay Cover: Approx. ₹27,000 ($300) 

VISA Infinite Privileges on IDFC FIRST Mayura Credit Card 

1. ITC Hotels

Cardmembers can get a complimentary 3rd night for every 2 consecutive paid nights at ITC Hotels by using promo code ITCVIS on the ITC website while booking. You can also stay for 2 nights and get the 2nd night at 50% off at ITC Hotels by entering ITCV50 on the ITC website. 

2. Elivaas Properties

A VISA Infinite Mayura credit card gives you a complimentary 3rd night for every 2 consecutive paid nights at Elivaas properties. You can simply stay for 2 nights and enjoy the 2nd night at 50% off at Elivaas properties. 

3. Airport Meet & Greet Service

It also offers a complimentary meet and greet service at major Indian airports once a year. However, this is available if you have spent $1,000 (approx. ₹85,000) on international POS transactions in the past 12 months before booking. 

4. Luxury Dining

You can also avail up to 20% off on the total bill at handpicked restaurants with exotic menus and priority access. 

5. Access to Luxury Hotels

Stay at over 900 luxury hotels globally and enjoy automatic room upgrades upon arrival, complimentary continental breakfast, VIP guest status, 3 PM check-out upon request and much more with your IDFC FIRST Bank Mayura credit card.

Mastercard Privileges on IDFC FIRST Bank Mayura Credit Card 

1. Mastercard Culinary Club

The Mastercard IDFC FIRST Mayura card gives you exclusive access and discounts at 350+ fine-dining restaurants across 16 cities as part of the Mastercard Culinary Club programme. 

2. Golf Privileges (India)

You can get 4 complimentary rounds of golf per calendar year (1 round per month) or 12 complimentary golf lessons per calendar year (1 lesson per month) at select golf courses across India.

3. Golf Privileges (APAC)

Cardholders can enjoy 50% off golf rounds or lessons across Taiwan, Bangladesh, China, Hong Kong, South Korea, Macao, Japan, New Zealand, Sri Lanka and Australia. 

4. Little Emperors Travel Tier Membership

You will be eligible for a complimentary 1-year Travel Tier membership worth approx ₹36,000 (£299) per year at 5,000+ hotels globally. 

How to Redeem Reward Points Earned on the IDFC FIRST Bank Mayura Credit Card? 

• Hotel and Flight Bookings: Each reward point is worth ₹0.50 when redeemed for hotel or flight bookings via the ‘Travel & Shop’ section on the IDFC FIRST Bank Mobile App.
• Other Redemptions: For gift vouchers, products on ‘Travel & Shop’, or online transactions using ‘Pay with Reward Points', each reward point is valued at ₹0.25.

 IDFC FIRST Bank Mayura Credit Card Fees 

Type of Charges	Amount
Joining Fee	₹5,999 + GST
Annual Fee	₹5,999 + GST
Late Payment Fee	Up to ₹100: NIL Between ₹101 - ₹500: ₹100 Between ₹501 - ₹5,000 : ₹750 Between ₹5,001 - ₹8,000 : ₹1,200Above ₹8,000: ₹1,300

Conclusion

The IDFC FIRST Mayura credit card blends Indian heritage with premium lifestyle benefits. From accelerated rewards and luxury travel perks to golf, movies, lounges, and strong insurance coverage, it’s designed for high-value spenders who want exclusivity, elegance, and rewarding experiences in one powerful card.

FAQs