IDFC FIRST Mayura Metal Credit Card Review
Author And Publisher: Gyro 3.oIDFC FIRST Mayura Metal Credit Card
Financial Expert Advice
Choose Your First (or Next) Credit Card Wisely
"Limit yourself to holding two credit cards A/C—one for daily expenses and auto-debits, and another reserved for emergencies.
Avoid chasing cashback, miles, rewards or Investments, as this can distract from sound financial management;
and lead to unnecessary debt. Focus on stability & discipline."
IDFC FIRST Mayura Metal Credit Card Review: Premium Styling, 10X Rewards, and Zero Forex for the Modern Global Indian
introduction
The IDFC FIRST Mayura Metal Credit Card is a premium metal card made for frequent travelers, young professionals, and big spenders who want great lifestyle benefits with everyday value. It offers a solid metal build, up to 10X rewards on all purchases, no extra charges on international spending, free spa sessions, and airport lounge access. With milestone bonuses and global-friendly features, the Mayura card stands out as a stylish, practical choice for people who want more than average rewards or high foreign fees.
key features and benefits
Welcome Benefits
- Get 4,000 reward points when you pay your joining fee, another 4,000 on spends above ₹20,000 in your second statement cycle, and 4,000 more in your third cycle.
Premium Metal Build
- Elegant, India-inspired metal card—durable and statement-making.
Annual Milestone Bonus
Spend minimum ₹8 Lakhs in the previous card anniversary year and get 7,500 Reward Points (worth up to ₹3,750).
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Spend minimum ₹15 Lakhs in the previous card anniversary year and get 15,000 Reward Points (worth up to ₹7,500).
Accelerated Rewards
50X Bonus Reward Points* on Hotel Bookings.
30X Bonus Reward Points* on Flight Bookings.
10X Reward Points incremental spends above ₹20,000 in a statement cycle.
5X Reward Points on spends up to ₹20,000 in a statement cycle.
3X Reward Points on Rent, Education, Government and Wallet Load transactions.
Reward points never expire.
Zero Forex Markup
- Experience global Luxuries Seamlessly with 0% Foreign exchange markup on international Transactions.
VISA Infinite Privileges
- Concierge at your fingertips This service provides a modern, personalized experience for self-booking your dining, staycations, flights and activities.
- Get a free stay at ITC Hotels, Stay for 3, Pay for 2 at ITC Hotels Enjoy a complimentary 3rd night for every 2 consecutive paid nights at ITC Hotels.
Use promocode ITCVIS to unlock the offer on the ITC website.
- Get a free stay at Elivaas.
- Stay for 3, Pay for 2 at Elivaas Enjoy a complimentary 3rd night for every 2 consecutive paid nights booked at Elivaas’ properties / Get 50% off your 2nd night at Elivaas Stay for 2 nights and enjoy the 2nd night at 50% off at Elivaas’ properties.
- Complimentary Airport Meet & Greet: Enjoy one free meet & greet service at major Indian airports each year, unlocked by spending at least USD 1000 (≈₹85,000) on international transactions in the past 12 months.
- Delectable dining discounts Experience luxury dining at its finest—handpicked restaurants, bespoke menus, and priority access await you with your VISA Infinite card. Reserve now on https://dinewithvisa.in.
- Airport transfer discounts Get attractive discounts on airport transfer limousine services across in over 3000 cities across 83 countries.
- Luxury hotel benefits Access to over 900 luxury hotels around the world with premium benefits such as automatic room upgrade upon arrival, complimentary in-room Wi-Fi, complimentary continental breakfast, VIP Guest status, 3PM check-out upon request and others.
Mastercard World Privileges
- Elevate every dining experience As a Mayura Credit Card user, you get exclusive access and discounts across over 350 fine-dine restaurants in 16 cities, as part of the Mastercard Culinary Club programme.
- Little Emperors Hotel Club Membership Indulge in unparalleled luxury with the Mayura Credit Card's Mastercard World Privileges. Enjoy a complimentary 1-year Travel Tier membership worth £299 per year at Little Emperors, providing access to exclusive rates and benefits at over 5,000 hotels worldwide.
- Tee-off at spectacular golf coursesEnjoy 4 complimentary golf rounds and 12 complimentary golf lessons a year across the globeIndia Golf Program.- 4 complimentary rounds of green fees per calendar year (1 round in a 1 calendar month).- 12 complimentary golf lessons per calendar year (1 lesson per calendar month).
Lifestyle Perks
Stay across The Postcard’s luxury hotels and resorts in India at attractive discounts with your Mayura Credit Card. Enjoy a flat discount of ₹5000 on a minimum booking of ₹25,000.
- Free trip cancellation cover Get reimbursed for non-refundable flight and hotel cancellations by up to twice a year.
- Unlock a golf round/lesson per month on spending ₹20,000 and ₹40,000, respectively in the previous statement cycle.
- Avail a buy one get one free offer on Movie Tickets with up to ₹500 off on the second ticket, twice in a calendar month. The benefit can be availed via District App by Zomato.
Comprehensive Lounge Benefits
- 4 complimentary visits to Indian airport lounges including 1 guest visit and 4 complimentary visits to global airport lounges.
4 Complimentary railyway lounge visits per quarter.
Insurance Cover
- Accident and lost card liability cover Air Accident Cover of ₹1 Crore.
- Personal Accident Cover of ₹10,00,000.
- Lost Card Liability Cover of ₹50,000.
- Valid on making at least one transaction on the Mayura Credit Card in the last 30 days.
- Loss of Checked-in Baggage: USD 500.
- Delay of Checked-In Baggage: USD 100.
- Loss of Passport and other documents: USD 300.
- Delay in Flight: USD 300.
- Roadside assistance Complimentary Roadside Assistance worth ₹1,399 T&C Apply.
fees and charges
| Category / Fee | Details | |
|---|---|---|
| Joining fees | ₹5999+GST | |
| Annual Fee | ₹5999+GST | |
| Add-on Credit Card: | ||
| Joining Fee (Metal Variant) | ₹4000+GST | |
| Joining Fee (Plastic Variant) | ₹3000+GST | |
| Annual Fee (Both Variant) | ₹2000+GST |
Struggling to keep up with mounting credit card bills?
Card Essentials
| Type | Reward Points |
| Welcome Benefits | upto 12000 reward points* |
| Annual Fee | ₹5999+gst |
| Reward Structure | Rewards on Eligible SPENDS |
| Renewal Benefit | Spend ₹8L to earn 7,500 points (worth ₹3,750) or ₹15L to earn 15,000 points (worth ₹7,500). shorter |
Rewards and Benefits Analysis
Who Benefits Most?
Rewards Breakdown
The IDFC FIRST Mayura Metal Credit Card is ideal for frequent flyers who enjoy zero forex charges and up to 32 lounge visits a year, high-spending professionals or families seeking top value on travel and daily expenses with 10X rewards on spends above ₹20,000 per month, and urban millennials who want flexible benefits across rent, education, UPI, and shopping.
Regular Spends:
50X Bonus Reward Points* on Hotel Bookings.
30X Bonus Reward Points* on Flight Bookings.
10X Reward Points incremental spends above ₹20,000 in a statement cycle.
5X Reward Points on spends up to ₹20,000 in a statement cycle.
3X Reward Points on Rent, Education, Government and Wallet Load transactions.
Redemption Value:
- 1 Reward Point = ₹0.50 for hotel and flight bookings via “Travel and Shop” Section on IDFC FIRST Bank Mobile App
- 0.25 elsewhere.
Practical Considerations
Limitations
Annual Fee: ₹5,999 + GST; hefty, but value is there for high spenders and frequent travelers.
No Annual Fee Waiver: Fee paid each year.
Value: Despite high 10X reward rates, value-per-point is maximized ONLY on travel.
Minimum Spend: Maximizing value requires at least ₹20,000/month.
Eligibility
₹12 lakh+ annual income recommended; digital KYC, identity, address, and income proof.
Add-on cards available, and are chargeable.
Zero forex fee only on direct international transactions.
Redemption Options
Travel & Shop:
1 point = ₹0.50 for flights/hotels; ₹0.25 elsewhere.
Strategy:
Consolidate travel bookings via IDFC app for maximum ROI.
Accumulate for milestone/bonus redemptions to reduce impact of redemption charge.
Ideal User Profile
Urban professionals, business travelers, and affluent families with monthly spends of ₹25,000+.
Anyone seeking the best lounge, Hotels & spa access—without “super-premium” fees.
Mileage optimizers ready to use travel portals for max reward rate.
People who appreciate the feel and status of a heavy metal card.
Final Thoughts
Strengths
Outstanding all-round travel value: 4+4+1 lounge visits, zero forex markup, trip cancellation protection, and huge reward accelerators.
Elegant metal construction and broad lifestyle perks.
Weaknesses
Reward value highest on travel bookings; other categories less lucrative.
Redemption fees and spend-based bonuses require active management/engagement.
Verdict
IDFC FIRST Mayura is an all-rounder, premium “value luxury” credit card that’s ideal for India’s mobile professionals, families, and digital-first achievers who want to maximize travel and lifestyle rewards, get true zero forex, and enjoy the feel of an India-inspired metal card in their wallet.
Additional Tips for Applicants
To maximize value, spend ₹20K+/month and redeem for flights/hotels.
Book travel directly via the IDFC FIRST app and redeem only when you have accumulated enough for substantial bookings.
Hold on to the metal card for premium feel; use add-on cards for family if you cross ₹1.2L/year in their spends.
Track spending to clear milestone bonuses (₹8L/₹15L spend per year for extra RP).
This review offers a clear and balanced overview of The IDFC FIRST Mayura Metal Credit Card’s strengths and limitations, helping readers make an informed choice about whether this card fits their
Spending Habits And Financial Goals.
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