CardAgent
Verified by CardAgent admin · last checked 08 Jul 2026
IDFC First Bank

IDFC First Mayura Metal Credit Card

29
Ranked #92 of 170 in credit
creditMastercardPremium (Metal)

IDFC First's flagship premium metal card with a genuine 0% forex markup and the bank's highest lounge access allocation — but has undergone the same 2026 devaluation wave as Ashva (halved international rewards, newly spend-gated lounge access), reducing its competitiveness against rivals like Axis Atlas.

Score breakdown

Data completeness: 95% · Last verified: 09 Jul 2026

Reward value11/100 · weight 71%
≈ 0.51% effective on the standard basket (eligible spend only)
Wide-coverage rewards: +4.2% score bonus — earns broadly without narrow category restrictions.
Fee efficiency58/100 · weight 12%
Redemption flexibility75/100 · weight 9%
Perks98/100 · weight 9%

Fees

All fees shown base + 18% GST (India card fees legally attract GST).

Joining fee
₹5,999 + 18% GST
= ₹7,079 total
Annual fee
₹5,999 + 18% GST
= ₹7,079 / year total
Waiver: No waiver option
Forex markup
0%

Lounge access

Domestic (per year)
16
International (per year)
16

Reward structure

CategoryTypeRateCapNotes
online_spendspoints0.75%(3 pts @ ₹0.25)——
diningpoints0.75%(3 pts @ ₹0.25)——
travelpoints0.75%(3 pts @ ₹0.25)——
groceriespoints0.75%(3 pts @ ₹0.25)——
fuelpoints0.25%(1 pts @ ₹0.25)——
all_spendspoints0.34%(0.67 pts @ ₹0.50)—1X base = 1pt/Rs150; up to 10X on spends above Rs20,000/cycle

Welcome offer

Not detailed as a distinct headline figure; ongoing spend-based benefits apply

Milestone benefits

Pros

  • Genuine 0% forex markup (rare, strong for international spenders)
  • highest lounge access count among IDFC First cards (16+16)
  • complimentary golf, free movie tickets, Mastercard World Privileges (Little Emperors 1-yr travel tier membership worth £299)
  • Mastercard Culinary Club (350+ restaurants, 16 cities)

Cons

  • MULTIPLE 2026 DEVALUATIONS mirroring Ashva: international reward rate cut 10X→5X
  • lounge access newly spend-gated (Jun 2026)
  • high Rs5,999 fee with no waiver
  • effective redemption value only ~1.66% despite "up to 40X" headline claims

What's inside

More benefits

  • Little Emperors travel membership

    ₹31,000

    Complimentary 1-year Travel Tier membership (worth £299) at Little Emperors, access to 5,000+ hotels worldwide with exclusive rates

    Cap ₹31,000 / yearly. Redeem via Mastercard Little Emperors website, promo code mc1

  • Mastercard Culinary Club dining

    Exclusive access and discounts at 350+ fine-dine restaurants across 16 cities

    unlimited. Dine-in at partner restaurants

  • Postcard Hotels discount

    ₹5,000

    Flat Rs5,000 discount on minimum Rs25,000 booking, once/quarter

    Cap ₹20,000 / quarterly. Promo code IDFCVIP

Insurance cover

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₹NaN

Eligibility

text
High-net-worth targeted; income ~Rs18L+ indicative

Small print

Fuel surcharge:1% waiver up to Rs300/statement cycle, capped per 2026 Fair Usage Policy