Flagship Metal Card — True 0% Forex Markup, 32 Annual Lounges/Spas & 10X Rewards
Affluent globetrotters, international shoppers, and metal card connoisseurs seeking zero foreign currency exchange fees, exceptional global lounge/spa coverage, and never-expiring reward points.
₹5,999
One-time upfront₹5,999
Waived on ₹9 lakh annual spend10X on international spends and spends > ₹20,000/month; 5X on retail spends <= ₹20,000
On eligible spends4 Domestic + 4 International visits/quarter · ₹20k monthly spend required
Complimentary visitsLast verified 17 Sept 2026
Objective editorial assessment, ideal spender profile, and primary trade-offs
The IDFC FIRST Bank Mayura Metal Credit Card is IDFC FIRST Bank's most luxurious travel offering, crafted in solid metal and engineered around a game-changing financial cornerstone: a **permanent 0.00% Foreign Currency Markup**. While traditional banks charge 3.50% to 3.75% plus GST on overseas card transactions, Mayura completely eliminates forex fees, guaranteeing interbank exchange rates on every overseas swipe, booking, and foreign e-commerce transaction. For frequent overseas travelers spending ₹5 to ₹10 Lakhs internationally per year, this feature alone generates ₹17,500 to ₹35,000 in direct, guaranteed cash savings. Airport and wellness privileges on Mayura set an industry standard: cardholders receive an astonishing **32 complimentary visits annually** (16 domestic and 16 international airport lounge or airport spa visits via DreamFolks, capped at 4 per quarter), subject to a manageable monthly spend condition of ₹20,000. On the rewards side, the card delivers 10X reward points on incremental spends exceeding ₹20,000 in a billing cycle and on birthdays, 5X on retail purchases, and 10X on travel bookings made through the IDFC FIRST portal. Points never expire and carry zero redemption fees. Lifestyle perks are equally generous, featuring buy 1 get 1 free movie tickets on BookMyShow up to ₹500 twice a month and comprehensive roadside assistance. At ₹5,999 + GST annually (waived on spending ₹9,00,000), the cost is substantial, and the base reward rate on monthly spends below ₹20,000 is modest at 1X (0.25% value). However, for international spenders who value metal exclusivity, zero foreign transaction penalties, and unmatched airport spa access, Mayura is an unbeatable powerhouse.
10X Reward Points/₹150 on Incremental Spends Above ₹20,000 Per Statement Cycle. 5X Reward Points/₹150 on Spends Upto ₹20,000. 3X RPs Are Also Awarded for Rent, Wallet Load, Education, and Government Transactions
Up to 12,000 Reward Points
Base earning rates, partner merchant acceleration, redemption options, and exclusions
| Spend Category | Earn Rate | Reward Cap | Conditions |
|---|---|---|---|
| International Spends & Spends > ₹20,000 | 10X Reward Points (10 RP per ₹150) on international transactions and spends above ₹20,000/month (3.33% return on travel) | No Cap | Standard terms apply |
| Spends Above ₹20,000 / Birthday Spends | 10X Reward Points on monthly spends above ₹20,000 and on birthday (1 RP = ₹0.25) | No Cap | Standard terms apply |
| Domestic Retail Spends <= ₹20,000 | 5X Reward Points (5 RP per ₹150) on all domestic retail spends up to ₹20,000 per billing cycle (1.67% return on travel) | 20,000 INR (₹) / statement cycle | Standard terms apply |
| Domestic Spends Up to ₹20,000 | 5X Reward Points on domestic spends up to ₹20,000 per month | 20,000 INR (₹)/mo | Standard terms apply |
| International Spends | 5X Reward Points on international transactions (with 0% forex markup) | No Cap | Standard terms apply |
Calculate estimated net cashback and points across your actual spending pattern.
Estimate your rewards using the card's current reward rates, monthly caps and applicable fee-waiver rules.
Customize monthly spend in each category. Category amounts sum directly to your monthly spend.
| Category / Reward Bucket | Monthly Spend | Rate | Effective Rate | Cap Period | Eligible Reward | Cap Status |
|---|---|---|---|---|---|---|
| International Spends & Spends > ₹20,000 | ₹3,000 | 10X Reward Points (10 RP per ₹150) on international transactions and spends above ₹20,000/month (3.33% return on travel) | — | None | Calculating... | Under cap |
| Spends Above ₹20,000 / Birthday Spends | ₹3,000 | 10X Reward Points on monthly spends above ₹20,000 and on birthday (1 RP = ₹0.25) | — | None | Calculating... | Under cap |
| Domestic Retail Spends <= ₹20,000 | ₹18,000 | 5X Reward Points (5 RP per ₹150) on all domestic retail spends up to ₹20,000 per billing cycle (1.67% return on travel) | — | ₹20,000/statement_cycle | Calculating... | Under cap |
| Domestic Spends Up to ₹20,000 | ₹3,000 | 5X Reward Points on domestic spends up to ₹20,000 per month | — | ₹20,000/monthly | Calculating... | Under cap |
| International Spends | ₹3,000 | 5X Reward Points on international transactions (with 0% forex markup) | — | None | Calculating... | Under cap |
| Total Monthly Cashback | ₹30,000 | - | — | - | ₹0 / mo | Zero cap loss |
₹3.6 lakh
12 billing cycles₹0
0% blended return-₹5,999
Standard renewal+₹0 / yr
Rewards - FeeDomestic and international lounge privileges, spend hurdles, and participating terminals
Verify this card against live departure gates and specific terminal lounges across India.
This card includes complimentary admission across verified Indian airport terminals. Check individual terminal lounges and spend criteria before you travel.
Complete breakdown of joining, renewal, forex, financing APR, and transaction charges
• Joining Fee: ₹5,999 + 18% GST (includes handcrafted metal credit card body). • Annual Renewal Fee: ₹5,999 + 18% GST from Year 2 onwards. • Spend-Based Fee Waiver: Annual fee waived on achieving cumulative retail spends of ₹9,00,000 or more in the preceding card anniversary year. • Welcome Benefit: ₹4,000 cashback on spending ₹30,000 or more within 60 days of card setup. • Foreign Currency Markup: 0.00% (Zero Forex Markup) permanently across all international POS, e-commerce, and ATM transactions. • Reward Multipliers: 10X reward points on incremental monthly spends above ₹20,000 and on birthday spends; 5X on retail spends; 1X on spends up to ₹20,000. • Point Valuation: 1 Reward Point = ₹0.25. Points never expire and have zero redemption fees. • Domestic Lounge & Spa Access: 16 complimentary visits per year (max 4 per quarter via DreamFolks; subject to ₹20,000 spend in preceding month). • International Lounge Access: 16 complimentary international lounge visits per year (max 4 per quarter via DreamFolks; subject to ₹20,000 spend in preceding month). • Entertainment Benefit: Buy 1 Get 1 free movie ticket up to ₹500 off on BookMyShow twice per calendar month. • Additional Privileges: Complimentary Roadside Assistance (RSA) worth ₹1,399 and comprehensive air accident cover of ₹1 Crore. • Finance Charges (APR): Dynamic low interest rates starting from 0.75% to 3.65% per month (9.0% to 43.8% annualized).
Evaluate whether this card's perks and waiver threshold justify its ₹5,999 renewal fee.
Income criteria, minimum age, CIBIL score benchmark, and verification checklist
Eligibility criteria not specified
Verified eligibility criteria are not currently available for this card. Check the issuer's latest terms before applying.
Common questions regarding IDFC FIRST Bank Mayura Metal Credit Card application, fees, reward redemption, and eligibility
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Direct online application on the official IDFC FIRST Bank portal with paperless verification.
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