Mayura

Joining ₹5,999 · Annual ₹5,999

Fee break-even: ≈₹7,22,771/yr through this card at its base rate. Below that, the fee eats the rewards.

Earns Reward points · assumed 0.25 ₹/point. ₹0.25 per point per IDFC's rewards terms, rising to ₹0.50 on travel redeemed through the app

Verified 13 Aug 2026

Forex markup0%

Fuel surcharge1% surcharge waived

EMI₹99 or 1% of the transaction, whichever is higher, plus GST processing fee · A converted purchase stops earning rewards · ₹99 or 1% of the purchase, whichever is larger. There is also a pre EMI interest charge covering the days between converting and your next statement, and a merchant no cost offer does not waive it. Pre closing costs 3% plus GST of the principal left. · Transactions converted to EMI earn no points

Domestic lounge4 complimentary Indian airport lounge visits including 1 guest visit, and 4 international visits. IDFC does not print the period beside the count, so confirm the cadence in the linked lounge terms before planning on it

International loungeSee the domestic note, IDFC lists 4 international visits the same way

Return by category

Category	Return	Notes
Online spend	0.83%	Base rate
Amazon	0.83%	Base rate
Flipkart	0.83%	Base rate
Subscriptions & OTT	0.83%	Base rate
Offline spend	0.83%	Base rate
UPI spending	0%	No RuPay variant is published, so UPI linking is unavailable
Dining	0.83%	Base rate
Swiggy	0.83%	Base rate
Zomato	0.83%	Base rate
Groceries	0.83%	Base rate
Quick commerce	0.83%	Base rate
Swiggy Instamart	0.83%	Base rate
Blinkit	0.83%	Base rate
BigBasket	0.83%	Base rate
Movies & shows	0.83%	Base rate
BookMyShow	0.83%	Base rate
PVR INOX	0.83%	Base rate
Fuel	0%	No points, a surcharge waiver stands in
Travel (general)	0.83%	Base rate
Flights	0.83%	Base rate
Hotels	0.83%	Base rate
MakeMyTrip	0.83%	Base rate
IRCTC rail	0.17%	Railways earn 1 point per ₹150
International	0.83%	Zero forex markup, so the earn rate is the whole story abroad
Utilities & bills	0.17%	1 point per ₹150
Rent	0.5%	3 points per ₹150, and rent does not count toward the ₹20,000 step
Education fees	0.5%	3 points per ₹150
Insurance premiums	0.17%	1 point per ₹150
Government & tax	0.5%	3 points per ₹150
Wallet loads	0.5%	3 points per ₹150
Anything else	0.83%	Base rate
Jewellery	0.83%	Base rate

Rates are the card's own published rates, before any spend profile. Add this card inMy cards to rank it against the rest of your wallet.

Also worth knowing

Joining benefit: 12,000 points on fee payment, worth ₹3,000 at our assumption and up to ₹6,000 redeemed as app travel
Annual fee payment benefit worth up to ₹7,500 from the second year
4 railway lounge visits a quarter
Trip cancellation cover up to ₹50,000 twice a year
Travel bonus points via the app are capped at 25,000 a month
IDFC has announced revisions effective 18 June 2026, check the linked terms

Other exclusions

Transactions converted to EMI earn no points

IDFC FIRST Bank MayuraBest for Zero forex on a metal card4.0 / 5

What we liked

Zero forex markup, the rarest premium feature in this collection
1.67% on everything above ₹20,000 a month, and rent and government spends still earn something
12,000 point joining benefit and lounge, railway lounge and trip cancellation cover

What to mind

₹5,999 every year with no spend waiver published
0.83% below the monthly ₹20,000 step
IDFC prints the lounge counts without stating the period on the page face

Sources

Every figure above comes from the issuer's own pages and documents. Last verified 13 Aug 2026.

Spotted an outdated rate?