Mayura Credit Card Review 2026 — Fees, Rewards & Eligibility
Issuer: IDFC FIRST Bank
Network: Visa | Tier: Premium
Zero Forex Markup, metal card, 4 domestic/international lounge visits/quarter, 10X reward points
Why Choose the Mayura Credit Card?
The Mayura Credit Card is a Premium-tier Visa credit card issued by IDFC FIRST Bank, rated 4.8/5 by the Credit Card Hunt editorial team. It is best suited for High spenders and international travelers. With a reward rate of 10X reward points on monthly spends above ₹20,000 & birthdays; 5X points below ₹20,000 & international spends. (1 RP = ₹0.50 for travel). and an annual fee of ₹5,999, it ranks among the popular Super Premium cards in India in 2026.
New cardholders are welcomed with Welcome reward points matching fee payment, which adds immediate value in the first year and helps recover the ₹5,999 joining fee.
Mayura Credit Card Fees & Charges
| Annual Fee | ₹5,999 |
|---|---|
| Joining Fee | ₹5,999 |
| Interest Rate | 1.99% per month |
| Foreign Markup | 0% |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver on transactions ₹200 – ₹5,000 per statement cycle |
Mayura Credit Card Rewards & Benefits
| Reward Rate | 10X reward points on monthly spends above ₹20,000 & birthdays; 5X points below ₹20,000 & international spends. (1 RP = ₹0.50 for travel). |
|---|---|
| Welcome Bonus | Welcome reward points matching fee payment |
| Lounge Access | Zero Forex Markup. 4 complimentary domestic & international airport lounge visits per quarter (includes 1 guest visit domestic) + 4 railway visits. |
| Best For | High spenders and international travelers |
Key Highlights of the Mayura Credit Card
- Zero Forex Markup, metal card, 4 domestic/international lounge visits/quarter, 10X reward points
- 10X reward points on monthly spends above ₹20,000 & birthdays; 5X points below ₹20,000 & international spends. (1 RP = ₹0.50 for travel).
- Zero Forex Markup. 4 complimentary domestic & international airport lounge visits per quarter (includes 1 guest visit domestic) + 4 railway visits.
- Free trip cancellation cover up to ₹50,000, credit shield, luggage loss cover
- Bonus reward points (7,500 on ₹8L spend, 15,000 on ₹15L spend) in previous anniversary year
Mayura Credit Card Eligibility Criteria
- Age: Invite-only years
- CIBIL score: 780+
- Minimum income: ₹30,00,000/year
Minimum Income Required: ₹30,00,000/year
Advantages of the Mayura Credit Card
- Zero forex markup
- premium metal form-factor
- domestic lounge guest access
- high point redemption value
Drawbacks of the Mayura Credit Card
- High annual fee of ₹5
- 999 with no standard waiver milestone
Mayura Credit Card — Frequently Asked Questions
What is the annual fee of the Mayura Credit Card?
The Mayura Credit Card has an annual fee of ₹5,999 and a joining fee of ₹5,999. New cardholders receive Welcome reward points matching fee payment as a welcome benefit, which helps offset the joining cost.
Does the Mayura Credit Card offer airport lounge access?
Yes — the Mayura Credit Card offers Zero Forex Markup. 4 complimentary domestic & international airport lounge visits per quarter (includes 1 guest visit domestic) + 4 railway visits..
Who is eligible for the Mayura Credit Card?
The minimum income requirement is ₹30,00,000/year. Banks typically also look for a CIBIL score of 700 or above and a clean repayment history.
What is the reward rate of the Mayura Credit Card?
The Mayura Credit Card earns 10X reward points on monthly spends above ₹20,000 & birthdays; 5X points below ₹20,000 & international spends. (1 RP = ₹0.50 for travel).. It is best suited for High spenders and international travelers.
Credit Cards Similar to the Mayura Credit Card
If you are considering the Mayura Credit Card, these super premium credit cards are worth comparing before you apply:
- Infinia Metal Edition Credit Card by HDFC Bank — rated 4.9/5, ₹12,500 annual fee
- Reserve Credit Card by Axis Bank — rated 4.9/5, ₹50,000 annual fee
- Emeralde Private Metal Credit Card by ICICI Bank — rated 4.8/5, ₹12,499 annual fee
- Platinum Card by American Express — rated 4.8/5, ₹60,000 annual fee
Expert Rating: 4.8/5