IDFC Mayura

The IDFC Mayura Credit Card is a premium travel-focused card issued by IDFC First Bank, designed for frequent travellers and high-income professionals in India. With a 0% forex markup, generous lounge access, and accelerated reward points on travel and lifestyle spends, it is built for those who want a truly borderless travel experience. Whether you are flying domestically or internationally, the Mayura card aims to make every journey more rewarding.

Key Benefits

• Zero Forex Markup (0%): Pay no foreign currency conversion charges on international transactions, making it one of the most cost-effective cards for overseas spends.
• Airport Lounge Access: Enjoy up to 16 domestic lounge visits per year and 16 international lounge visits per year (total 32 visits annually).
• Welcome Gift Vouchers: Receive welcome gift vouchers worth ₹15,000 on card issuance, effectively offsetting the joining fee.
• Fuel Surcharge Waiver: Get a 1% fuel surcharge waiver at fuel stations across India, capped at ₹500 per month.

Reward Points Structure

• Earn 10 reward points for every ₹100 spent on Travel & Lifestyle categories.
• Reward points accumulate quickly for cardholders who regularly spend on flights, hotels, dining, and lifestyle purchases.
• Redemption terms, point expiry, and eligible merchant categories are governed by IDFC First Bank's reward programme terms. Please refer to the issuing bank's official reward programme document for full details on point valuation and redemption options.

Fees & Charges

| Fee Type | Amount |
|---|---|
| Joining Fee | ₹15,000 |
| Annual Fee (Renewal) | ₹15,000 |
| Finance Charge (Interest) | 2.99% per month |
| Forex Markup Fee | 0% |
| Fuel Surcharge Waiver | 1% (capped at ₹500/month) |

Note: The joining fee of ₹15,000 is offset by welcome gift vouchers of equivalent value. Paying your outstanding balance in full each month helps you avoid the monthly finance charge of 2.99%.

Card Features at a Glance

• Card Type: Premium Travel Credit Card
• Issuing Bank: IDFC First Bank
• Forex Markup: 0% — ideal for international travellers
• Domestic Lounge Access: 16 visits per year
• International Lounge Access: 16 visits per year
• Welcome Benefit: Gift vouchers worth ₹15,000
• Fuel Surcharge Waiver: 1%, up to ₹500 per month
• Accelerated Rewards: 10 points per ₹100 on Travel & Lifestyle spends

Eligibility Criteria

To apply for the IDFC Mayura Credit Card, applicants must meet the following minimum requirements:

• Minimum Annual Income: ₹18,00,000 (₹18 lakhs)
• Minimum CIBIL Score: 750
• Nationality: Indian resident
• Age: As per IDFC First Bank's standard credit card eligibility norms

Meeting these minimum criteria does not guarantee card approval. Final approval is at the sole discretion of IDFC First Bank based on their internal credit assessment policies.

Terms & Conditions

• All benefits, reward points, lounge access entitlements, and fee waivers are subject to IDFC First Bank's most current terms and conditions, which may be updated from time to time.
• The fuel surcharge waiver of 1% is capped at ₹500 per statement cycle. Transactions outside eligible fuel stations may not qualify.
• Lounge access is subject to the policies of the respective lounge programmes and may require presentation of the eligible card and a same-day boarding pass.
• Welcome gift vouchers are subject to IDFC First Bank's issuance conditions, validity periods, and applicable merchant terms.
• Reward points are governed by IDFC First Bank's reward programme; points may have an expiry date and redemption conditions.
• The finance charge of 2.99% per month applies to revolving balances and cash advances. Cardholders are advised to pay outstanding dues in full to avoid interest.
• Naxelona is a financial products marketplace and not the card issuer. Product details are provided for informational purposes. Terms and conditions apply. Please read the Key Fact Statement (KFS) and Most Important Terms & Conditions (MITC) issued by IDFC First Bank carefully before applying.