Summary
Designed specifically for those seeking luxury, high-end features, and maximum rewards, the IDFC First Bank Mayura Credit Card is a premium credit card. This card stands out in many respects, from its exquisite and sophisticated metal design, inspired by peacocks, to its numerous advantages.
First of all, the reward program of this card is among its main features. Spending determines how many 5X to 10X reward points users get; these points never expire. It is also quite fulfilling since the card provides special birthday rewards and milestone benefits for significant annual spending.
Perfect for frequent travelers, the card also provides free access to domestic and international airport lounges, train lounges, and even airport spa services. Every month, BookMyShow also offers a ‘Buy One, Get One Free’ movie ticket promotion.
Introduction
Credit cards have become a significant part of our daily lives in today’s fast-paced environment. They not only enable us to control our spending but also present some fascinating advantages and incentives. The IDFC First Bank Mayura Credit Card is one credit card under particular focus. Designed especially for modern-day consumers, this card combines amazing features, design, and convenience to make shopping wiser and more satisfying.
First of all, the Mayura Credit Card is not an exception since IDFC First Bank is well-known for providing consumer-friendly banking products. It has been carefully designed to satisfy the needs of consumers seeking better value for their daily expenses. From cashback to discounts, from lifestyle advantages to fuel fee exemptions, this card provides a whole package appropriate for different ways of living. Furthermore, approved at millions of stores worldwide, it is a useful tool for local and global consumers alike.
Furthermore, crucial is the design of this credit card, which considers the financial habits and comfort of the client. For example, it features cheap interest rates, zero yearly fees, in most cases, and simple ways for repayment. This allows you to use the card without restriction and free from too much concern for additional fees or hidden charges. Through the mobile app of the bank, the card also offers sophisticated control tools where you may set restrictions, block the card, or instantly track your expenditure.
Moreover, the appealing reward structure of the Mayura Credit Card distinguishes it. Every time you use the card, you get points that could be applied to different bookings or purchases. These points can be rather valuable and savings over time. Moreover, the card usually comes with welcoming advantages like free coupons or additional reward points, which gives more motivation to acquire one.
What is the IDFC First Bank Mayura Credit Card?
Designed specifically, the IDFC First Bank Mayura Credit Card provides smart features, savings, and incentives in addition to other aspects. Those who wish more value from their daily expenditure would find it perfect. First of all, every time you travel, eat, or shop, this card lets you accumulate reward points. Later on, these points can be applied to different purchases, so you save more.
The card also offers cheap interest rates, either zero or minor annual fees, and simple ways of paying back. For many consumers, this makes it a reasonable alternative given their budgets. It also provides first-hand discounts on entertainment, travel, and leisure. You might, for instance, take advantage of special hotel booking discounts or access to airport lounges.
How is the design of the IDFC First Bank Mayura Credit Card?
Apart from its several functions, the IDFC First Bank Mayura Credit Card stands out with its elegant and stylish look. First of all, the grace and elegance of the peacock shape the design of the card; the Sanskrit name “Mayura” denotes “peacock”. The card thus looks fashionable with vivid colors and unusual patterns that appeal visually.
Furthermore, the design exudes elegance and nobility, which gives your hand a luxurious feel. The card’s whole appeal is enhanced by the neat but striking artwork. It surely makes a good impression, whether you use it for dinner or shopping.
What are the benefits of the IDFC First Bank Mayura Credit Card?
Important features of the IDFC First Bank Mayura Credit Card
Welcome, invite, and rewards.
- Following card activation, earn ₹1,000 cashback on each of the first four purchases of ₹1,000 or more within 60 days.
Point of Reward:
- 5X points on monthly expenses below ₹20,000.
- 10X points on your birthday ann purchases over ₹20,000.
Achievements at Milestone:
- Spending ₹8 lakh annually will result in 7,500 reward points (worth ₹1,875).
- Spend ₹15 lakh to get 15,000 points—worth ₹3,750.
Travel and Lounge Access
- Make overseas purchases free from foreign exchange markup charges. Zero Forex Markup.
Access to Complementary Lounge:
- Four times a quarter, up to sixteen domestic airport lounge and spa visits total—one guest visit every quarter.
- Four quarters of the year, up to sixteen overseas lounge visits.
- Four times annually, up to sixteen train lounge visits at specific Indian train terminals.
- Twice a year, reimbursement of non-refundable airfare and hotel cancellations up to ₹50,000.
Entertainment and Living:
- Twice a month, BookMyShow lets you get up to ₹500 savings on the second ticket.
- Access up to forty complimentary golf rounds or lessons yearly.
- One percent remission on fuel surcharge, up to ₹300 monthly, for transactions between ₹200 and ₹5,000.
Protection and Coverage from Insurance
Whole Insurance:
- ₹1 crore air accident cover.
- ₹10 lakh is my personal accident cover.
- Cover of ₹50,000 lost card obligation.
- Coverage up to $1,200 for a variety of travel-related emergencies.
- Complementary 24/7 roadside assistance valued at ₹1,399.
extra characteristics
- For up to 45 days, take cash out of ATMs free of interest.
- Reward points never expire, hence you can use them whenever it is most convenient.
What are the fees for the IDFC First Bank Mayura Credit Card?
Here is a simple breakdown of the IIDFC First Bank Mayura Credit Card fees.
| Joining Fee | ₹5,999 + GST |
| Annual Fee | ₹5,999 + GST |
| Add-on Card Fee | No additional charges for family members’ cards. |
| Finance Charges | If you don’t pay your bill in full, a charge of 3.65% per month (43.8% annually) is applied to the outstanding balance. |
| Cash Advance Fee | 2.5% of the amount withdrawn or ₹500, whichever is higher. |
| Late Payment Fee | For Statement Balance Less than Rs. 101 – Nil Rs. 101 – Rs. 500 – Rs. 150 Rs. 501 – Rs. 5,000 – Rs. 500 Rs. 5,001 – Rs. 20,000 – Rs. 750 Rs. 20,000 & above – Rs. 1,000 |
What are the criteria for getting an IDFC First Bank Mayura Credit Card?
1. Age Requirement:
- You should be between 18 and 65 years of age.
2. Income Requirement:
- Salaried Applicants: The minimum net monthly income is required; however, the bank fixes the amount, which can differ based on the applicant’s profile.
- Self-Employed Applicants: A minimum ITR amount is needed; the bank fixes the specific amount and can differ with applicants.
3. Employment Status:
- You should have a regular job or business with a fixed income source.
4. Credit Score:
- A CIBIL score of 700 and above is preferred for sanction.
5. Residency:
- You should be an Indian resident and have proof of a valid address.
What documents are required to get an IDFC First Bank Mayura Credit Card?
The documents that you will have to submit to get the IIDFC First Bank Mayura Credit Card are as follows:
| Identity Proof | Aadhaar card, Passport, Voter ID, Driving license, PAN card |
| Address Proof | Utility bills like electricity, water, etcRent agreement, Bank statement, or passbook with your address |
| Income Proof | Salary slip for the last 3 months, if you are a salaried employeeBank statement for the previous 3 monthsITR for self-employed persons |
| Photograph | The latest passport-sized photograph |
Where can the IDFC First Bank Mayura Credit Card be used?
Here is the list of places where you can use it:
- With the IIDFC First Bank Mayura Credit Card, you can shop for clothing, electronics, accessories, and more at almost every retail outlet, shopping mall, and e-shopping website.
- You can also use it on websites like Amazon, Flipkart, etc., and make bookings on websites like MakeMyTrip, Yatra, etc.
- You can use the card to pay for your meals in restaurants, cafes, and fast food outlets.
- You can use it to book flight, train, or bus tickets and pay for taxi, Uber, Ola, or hotel bookings.
- You can use your credit card to pay electricity and water bills, mobile bills, and internet services.
- You can use your IIDFC First Bank Mayura Credit Card to pay for expensive electronics or appliances through easy monthly installments (EMIs).
- The IIDFC First Bank Mayura Credit Card is also accepted in other countries, allowing you to make purchases and payments. It is also accepted wherever Visa is accepted.
What is the credit limit of the IDFC First Bank Mayura Credit Card?
The credit amount you can spend is what you are provided to you with an IIDFC First Bank Mayura Credit Card. It is based on your income, credit score, and other financial history when you are selected for this credit card by the bank.
For instance, if you have a credit limit of ₹50,000, you can spend up to that amount only. If you want to spend more than the limit, the bank will not consider it.
The actual credit limit varies with the person. A credit limit could be ₹30,000 for someone and ₹1,00,000 for another, or even more, considering his/her profile and financial background.
It’s essential to follow the expenses and not exceed the credit limit because when you pass this limit, then penalties get added, and your credit score also goes down.
How do you apply for an IDFC First Bank Mayura Credit Card?
Apply it through both these modes:
Online Application Process:
- Visit the official website of the IDFC First Bank, i.e.
- Go to ‘Cards’, followed by ‘Credit Cards’.
- On that page, you can see numerous options for credit cards issued by IDFC First Bank; for instance, you can choose the IDFC First Bank Mayura Credit Card.
- Just hover your cursor on the IIDFC First Bank Mayura Credit Card and select ‘Apply Now‘ from there.
- You will be asked to fill out your details, including your name, contact information, income details, and employment status.
- Be accurate and updated with the information provided.
- You are required to upload documents like your identity proof, address proof, income proof, and photograph, as per the list of documents mentioned above.
- After filling out the details and uploading the documents, review your application to make sure everything is correct.
- Apply online through the application form.
- The bank will check your application after you submit it. They can ask for extra documents or information if required.
- You will be informed about the status of your application, and if approved, your card will be delivered to you.
Offline Application Process:
- You can walk into the nearest IDFC First Bank branch to apply for the IDFC First Bank Mayura Credit Card.
- Request the credit card application form for the IIDFC First Bank Mayura Credit Card. They will provide you with the form and proceed accordingly.
- Fill in the details in the application form wherever it is required. Care should be taken to ensure that all the information about personal details, income, and jobs provided by the applicant is correct.
- Along with the form, furnish the relevant documents. The list of documents includes Identity proof, Address proof, Proof of income, and a passport photograph.
- Your application will be processed, and your information will be cross-checked at the bank level.
- In case of successful completion, the bank will sanction the credit card with a reply and forward it to the registered address.
- You will receive the IIDFC First Bank Mayura Credit Card by post at the same postal address.
- Once you receive your card, you need to activate it by following the instructions in the envelope through the IDFC First Bank Card website, mobile app, or customer service.
- For security purposes, you must set your PIN (Personal Identification Number) before you can start using your credit card.
Would getting an IDFC First Bank Mayura Credit Card in 2025 be right?
Getting an IIDFC First Bank Mayura Credit Card in 2025 can be a good option if you require a credit card with great offers, especially for those who shop for lifestyle products. The reward is excellent and comes with purchasing items such as jewelry. The bank also provides discounts and easy access to the EMI facility.
IDFC First Bank is also a strong bank with high customer service, so it is dependable. But don’t forget that you should ensure you can handle your credit responsibly in terms of paying the bills and keeping your credit from exceeding its limit. Provided that you are stable in terms of income and you have good credit, it might be a very good option in 2025.
Conclusion
All things considered, the IDFC First Bank Mayura Credit Card is a well-crafted credit card with the appropriate blend of premium advantages, elegance, and savings. Regardless of your vacation, shopping, dining, or just needing to accumulate points on daily spending, this card contains something valuable for everyone. Great reward points and returns aside, it lets you enjoy luxurious extras such as access to an airport lounge, golf courses, movie ticket specials, and much more.
The card also looks sophisticated and fashionable since its design is so outstanding. This card will make you happy to carry because of the royal touch of the peacock-inspired artwork. Beyond looks, the mobile app offers basic card administration and strong security features.
The 0% FX markup is another great benefit for foreign guests, specifically. Moreover, the fact that the reward points never expire lets you utilize them anytime you like, free from regard for time limits.
Frequently Asked Questions (FAQ’s)
Ans: The card features an annual cost of ₹ 5,999 + GST and a joining charge of ₹5,999 + GST. Unless the bank makes a specific waiver offer, this fee is paid annually.
Ans: Indeed, BookMyShow grants a Buy- One- Get- One Free movie ticket. Two times a month, the maximum discount is ₹500 per ticket.
Ans: Indeed, 0% currency markup on foreign expenditure is one of the better aspects. This implies that using the card overseas won’t cost extra fees.
Ans: Indeed, you can withdraw money from ATMs; the interest-free period is 45 days, which is rare with credit cards.
Ans: An online application is possible by visiting the IDFC First Bank website or by visiting the closest branch. You will require income evidence, address evidence, and identification confirmation.
