Key Features & Benefits
- ✦10X Reward Points on monthly spends ≥₹20,000
- ✦5 Reward Points per ₹150 on spends below ₹20,000/month
- ✦1X on insurance, utility, fuel (above ₹30K), rent, wallet
- ✦Zero forex markup — international transactions free of charge
- ✦4 complimentary domestic airport lounge visits per quarter (16/year)
- ✦4 complimentary international airport lounge visits per quarter (16/year)
- ✦1 guest complimentary domestic lounge visit per quarter
- ✦4 complimentary railway lounge visits per quarter (spend-gated: ₹20K previous month)
- ✦Buy 1 Get 1 movie ticket twice a month (up to ₹500/ticket, spend-gated: ₹20K/month)
- ✦2 complimentary golf rounds per month
- ✦Trip cancellation cover up to ₹50,000
- ✦Milestone: 7,500 RP on ₹8L annual spend; 15,000 RP on ₹15L annual spend
- ✦Reward Points never expire
- ✦1 RP = ₹0.50 for travel bookings via IDFC FIRST App
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Welcome & Joining Benefits
- ✦12,000 Reward Points across 3 billing cycles (4,000 + 4,000 + 4,000) on ₹20K/cycle spends
Milestone Benefits
- ✦₹8L annual spend → 7,500 bonus Reward Points (worth ₹3,750)
- ✦₹15L annual spend → 15,000 bonus Reward Points (worth ₹7,500)
Pros & Cons
✓ Advantages
- ✓Zero forex — ideal for frequent international travellers
- ✓16 international lounge visits/year — among highest in India at this price
- ✓16 domestic lounge visits/year — truly generous quarterly access
- ✓Golf + movies + lounge — comprehensive premium benefits
- ✓Rewards never expire — accumulate at your pace
- ✓Metal card with premium Peacock design
✗ Disadvantages
- ✗₹5,999 annual fee with no waiver option
- ✗10X only when monthly spend ≥₹20,000 — moderate spenders get only 5X
- ✗1 RP = ₹0.25 standard (only ₹0.50 on travel via app) — low redemption
- ✗Lounge + movie benefits spend-gated at ₹20K previous month
Frequently Asked Questions
Is zero forex truly 0% with Mayura?
Yes — IDFC FIRST Mayura charges absolutely no forex markup on any international transaction, online or offline. This is rare for a card in the ₹5,999 fee range. Standard cross-currency conversion by your card network still applies, but no bank markup is added.
How do I unlock the BOGO movie benefit?
Spend ₹20,000 or more in the current calendar month to unlock the Buy 1 Get 1 movie ticket benefit in the following month. From July 2025 onward, booking is via District by Zomato app instead of BookMyShow.
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