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IDFC FIRST Bank · Premium

Mayura

Where it ranks across all 187 cards
#19 Mobile / broadband 1.7% direct #20 Jewellery & watches 1.7% direct #21 Gaming 1.7% direct
#28 Other 1.7% direct #31 Health & pharmacy 1.7% direct #33 Cabs & transit 1.7% direct #37 Electronics 1.7% direct #38 Flights 1.7% direct #41 Hotels 1.7% direct #42 Dining out 1.7% direct #46 Movies & events 1.7% direct #46 Fashion 1.7% direct #47 Online shopping 1.7% direct #48 Groceries 1.7% direct #48 Food delivery 1.7% direct #32 Wallet load 1.0% direct #42 Education 1.0% direct #72 Insurance 0.3% direct #83 Utility bills 0.3% direct #130 Train tickets 0.3% direct #34 Government / tax 0.1% direct
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Engine value - conservative, what rankings use
₹0.5/pt
1.67%
Bank travel portal
₹0.5/pt
1.67%
Vouchers / catalogue
₹0.25/pt
0.83%
1 Reward Point = ₹0.50 on travel bookings via FIRST Rewards Gallery; 1 Reward Point = ₹0.25 for gift vouchers/products or Pay Using Reward Points on select online transactions.
Points valued at ₹0.5/pt - conservative, what rankings use
Reward rules3 direct
Base rate - everything not covered below
1.67%base rate
5 pts / ₹150
source
Source: Mayura Credit Card - idfcfirstbank.com - read 25 Sep 2026
3 pts / Rs 150 on rent, education, government and wallet load transactions
1.00%this rule
3 pts / ₹150
source
Source: Mayura Credit Card - idfcfirstbank.com - read 25 Sep 2026
1 pt / Rs 150 on insurance, utility, railway and FASTag transactions
0.33%this rule
1 pt / ₹150
how it works & source
Fastag has no dedicated category in our taxonomy; omitted from match.categories.
Source: Mayura Credit Card - idfcfirstbank.com - read 25 Sep 2026
Percentages here are each rule's own rate. The card's single headline is the best of the direct rules only - selectable packs, capped-base rows and portal/voucher routes above are shown for completeness but never set it.
₹8,00,000 / year
7,500 Reward Points
₹1,875estimated value
₹15,00,000 / year
15,000 Reward Points
₹3,750estimated value
₹0 / year
4,000 Reward Points on successful realization of the joining fee - milestone 1 of 3 under the 'Joining Fee Payment Benefit'; one-time, only for Mayura cards generated on/after 1 Sep 2025
₹1,000estimated value
Earns nothing on1 exclusion
Fuel, EMI
earns nothing
Fuel, EMI conversions, fees & charges, loan on card, balance transfers and cash withdrawals earn zero reward points; transactions below Rs 150 also earn nothing.
→ use IndianOil RBL XTra here (7.5%)
detail & source
categories: Fuel, EMI
Source: Mayura Credit Card - idfcfirstbank.com - read 25 Sep 2026
Up to 12,000 reward points, in three parts
on joining · 4,000 points on paying the joining fee; 4,000 points on ₹20,000+ net spends in the 2nd statement cycle; 4,000 points on ₹20,000+ net spends in the 3rd statement cycle
Source: IDFC FIRST Bank - Mayura card page - idfcfirst.bank.in - read 11 Oct 2026
Perks the card unlocks at these places, beyond its earn rate. They never change a ranking - check the bank page before you count on one.
District by Zomato
Buy one movie ticket, get one free via the District app, up to ₹500 off the second ticket, twice a month
Source: IDFC FIRST Bank - Mayura card page - idfcfirst.bank.in - read 11 Oct 2026
₹500a month
IDFC FIRST golf programme
Up to 24 complimentary golf rounds or lessons a year (4 rounds plus 1 lesson a month), unlocked on spending ₹20,000 or more in the previous statement cycle; 50% off golf rounds or lessons in Australia, Bangladesh, China, Hong Kong, Japan, Macao, New Zealand, South Korea, Sri Lanka and Taiwan
Source: IDFC FIRST Bank - Mayura card page - idfcfirst.bank.in - read 11 Oct 2026
50%golf
Little Emperors
Complimentary 1-year Little Emperors Travel Tier membership (worth £299), for discounted rates at 5,000+ hotels worldwide; claim with promo code mc1
Source: IDFC FIRST Bank - Mayura card page - idfcfirst.bank.in - read 11 Oct 2026
ITC Hotels
Stay 2 consecutive paid nights and get the 3rd night free at ITC Hotels
Source: IDFC FIRST Bank - Mayura card page - idfcfirst.bank.in - read 11 Oct 2026
ITC Hotels
Stay 2 nights and get 50% off the 2nd night, using promocode ITCV50 on the ITC Hotels website
Source: IDFC FIRST Bank - Mayura card page - idfcfirst.bank.in - read 11 Oct 2026
50%discount
Elivaas
Stay 2 consecutive paid nights at Elivaas Luxury Villas and get the 3rd night free
Source: IDFC FIRST Bank - Mayura card page - idfcfirst.bank.in - read 11 Oct 2026
Elivaas
Stay 2 nights at Elivaas Luxury Villas and get 50% off the 2nd night
Source: IDFC FIRST Bank - Mayura card page - idfcfirst.bank.in - read 11 Oct 2026
50%discount
Rent
IDFC FIRST rent fee 1% + GST (minimum ₹249)
1%
Bank terms we cannot price for you yet - they depend on something we do not know. Rankings leave them out.
10X above ₹20,000 a statement cycle
5X on the first ₹20,000 of a statement cycle, 10X on spends above it (0.83% then 1.67%). We rank on 5X because the base rate cannot yet be split by how much you spend.
Source: IDFC FIRST Mayura page - idfcfirstbank.com - read 26 Sep 2026
No card paid to be here. A few have asked.
Every rate is read off the bank's own page and carries the date we read it. Every answer is worked out in your browser from that data - nothing is precomputed.
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