Mayura Credit Card Review 2026 — Fees, Rewards & Eligibility
By Credit Card Hunt Editorial Team
Issuer: IDFC First Bank
Network: Visa | Tier: Super Premium
The Mayura Credit Card is a Super Premium Visa credit card issued by IDFC First Bank, best suited for high-net-worth customers with significant international spends. Ultra-premium metal card focused on luxury travel, rewards and zero/low forex benefits. It carries a joining fee of ₹5,999, with an interest rate of 8.5% – 46.2% p.a. (0.71% – 3.85% per month); Overdue: 47.88% p.a.. Key benefits include Metal card, Luxury travel benefits, Airport lounge access, and High reward potential. Reward earnings work as follows: Accelerated rewards on luxury/travel spends. New cardholders get a welcome benefit of Premium lifestyle & travel privileges (bank-discretion based). On fees — Lounge access: Domestic + International lounge access; Foreign transaction markup: Nil (no foreign transaction markup); Fuel surcharge: 1% fuel surcharge waiver on transactions ₹200 – ₹5,000 per statement cycle. Applicants typically need invite-only / Ultra-premium relationship-based eligibility to qualify. It falls under the Super Premium / Metal category on CreditCardHunt.
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Why Choose the Mayura Credit Card?
The Mayura Credit Card is a Super 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-net-worth customers with significant international spends. With a reward rate of Accelerated rewards on luxury/travel spends and an annual fee of ₹5,999, it ranks among the popular Super Premium / Metal cards in India in 2026.
New cardholders are welcomed with Premium lifestyle & travel privileges (bank-discretion based), 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 | 8.5% – 46.2% p.a. (0.71% – 3.85% per month); Overdue: 47.88% p.a. |
| Foreign Markup | Nil (no foreign transaction markup) |
| Fuel Surcharge Waiver | 1% fuel surcharge waiver on transactions ₹200 – ₹5,000 per statement cycle |
Mayura Credit Card Rewards & Benefits
| Reward Rate | Accelerated rewards on luxury/travel spends |
|---|---|
| Welcome Bonus | Premium lifestyle & travel privileges (bank-discretion based) |
| Lounge Access | Domestic + International lounge access |
| Best For | High-net-worth customers with significant international spends |
Key Highlights of the Mayura Credit Card
- Metal card
- Luxury travel benefits
- Airport lounge access
- High reward potential
Mayura Credit Card Eligibility Criteria
- Age 18+
- Affluent profile
- Excellent credit score
Minimum Income Required: Invite-only / Ultra-premium relationship-based eligibility
Advantages of the Mayura Credit Card
- Premium lifestyle privileges — a genuine plus for anyone eyeing this super premium card.
- Excellent travel value — a real advantage for high-net-worth customers with significant international spends.
- High reward caps — a highlight among IDFC First Bank's super premium lineup.
Drawbacks of the Mayura Credit Card
- Exclusive eligibility — worth weighing before you apply.
- On the downside: premium spend expectations.
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 Premium lifestyle & travel privileges (bank-discretion based) 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 Domestic + International lounge access.
Who is eligible for the Mayura Credit Card?
The minimum income requirement is Invite-only / Ultra-premium relationship-based eligibility. 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 Accelerated rewards on luxury/travel spends. It is best suited for High-net-worth customers with significant international spends.
Credit Cards Similar to the Mayura Credit Card
If you are considering the Mayura Credit Card, these super premium / metal credit cards are worth comparing before you apply:
- Gaj: Credit Card by IDFC FIRST Bank — rated 4.4/5, ₹12,500 annual fee
Official sources for this review
Fees, rules and limits described above are governed by the primary sources below.
- RBI Master Direction — Credit Card and Debit Card Issuance and Conduct Directions, 2022 — Reserve Bank of India
- Department of Financial Services — Banking Division — Ministry of Finance, Government of India
- Consumer Financial Decision-Making research — Wharton School, University of Pennsylvania
- Tax Collected at Source on Liberalised Remittance Scheme transactions — Income Tax Department, Government of India
Explore more on CreditCardHunt.in
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- Read our credit card guides & FAQ.
Expert Rating: 4.8/5 (Credit Card Hunt editorial score)