IDFC FIRST Bank FIRST Mayura Metal Credit Card review: fees, rewards and eligibility
The IDFC FIRST Bank FIRST Mayura Metal Credit Card has a recorded annual fee of ₹5,999 plus GST and a base earn of 5 Reward Points per ₹150 on eligible spends up to ₹20,000 in a statement cycle. CardMasters checked its issuer terms on 2026-08-19. Affiliate commission never changes ranking; confirm final terms and approval with IDFC FIRST Bank.
IDFC FIRST Bank FIRST Mayura Metal Credit Card: short answer
The IDFC FIRST Bank FIRST Mayura Metal Credit Card is in the premium tier of IDFC FIRST Bank credit cards, with a joining fee of ₹5,999, an annual fee of ₹5,999 plus GST, a base earn of 5 Reward Points per ₹150 on eligible spends up to ₹20,000 in a statement cycle and a 0% forex markup. Rewards are not earned on cash advance, fees. It suits travel, lounge, low forex spending; whether it beats a card you already hold depends on your own spend mix and redemption choices.
Source: CardMasters issuer-evidence catalogue, release 2026-08-19. Confirm final terms with the issuer.
Reward structure
5 Reward Points per ₹150 on eligible spends up to ₹20,000 in a statement cycle
No separate accelerated route is currently recorded.
Eligibility and important limits
The issuer does not publish a card-specific approval cutoff in the current source. IDFC FIRST Bank publishes no card-specific monthly income or bureau-score cutoff for this card on its current product page. Issuance remains subject to the bank's internal assessment. Approval remains solely at the issuer’s discretion.
Does not earn: cash advance, fees.
Important limit: 10X Reward Points apply only to incremental spend above ₹20,000 in a statement cycle. CardMasters models the 5X tier that applies up to that threshold, so the figures here understate a month where spend runs well above ₹20,000.
Frequently asked questions
What is the annual fee for the IDFC FIRST Bank FIRST Mayura Metal Credit Card?
The published annual fee in our current record is ₹5,999 plus applicable GST.
How do rewards work on the IDFC FIRST Bank FIRST Mayura Metal Credit Card?
5 Reward Points per ₹150 on eligible spends up to ₹20,000 in a statement cycle. Reward value depends on the eligible transaction route and redemption method.
Which transactions do not earn rewards on the IDFC FIRST Bank FIRST Mayura Metal Credit Card?
The current issuer-sourced exclusions recorded by CardMasters include cash advance, fees. Merchant category coding and issuer terms determine final eligibility.
Who should consider the IDFC FIRST Bank FIRST Mayura Metal Credit Card?
It is most relevant for people focused on travel, lounge, low forex, international. Whether it improves your wallet still depends on your actual spending, existing cards, fees and redemption choices.
Is the IDFC FIRST Bank FIRST Mayura Metal Credit Card worth it?
It is worth holding only when the rewards and benefits you will genuinely use exceed ₹5,999 plus GST each year. Value the rewards at a realistic redemption rate, not the issuer's best-case example.
What is the eligibility for the IDFC FIRST Bank FIRST Mayura Metal Credit Card?
IDFC FIRST Bank publishes no card-specific monthly income or bureau-score cutoff for this card on its current product page. Issuance remains subject to the bank's internal assessment. Approval, credit limit and final pricing are decided solely by the issuer.
What is the forex markup on the IDFC FIRST Bank FIRST Mayura Metal Credit Card?
The recorded foreign-currency markup is 0% before GST. On ₹1,00,000 of international spend that is about ₹0 in markup, so compare it against any rewards earned on overseas transactions.
Does the IDFC FIRST Bank FIRST Mayura Metal Credit Card offer airport lounge access?
Domestic lounge access: Complimentary domestic lounge visits per quarter across India. International lounge access: Complimentary international lounge visits per quarter. Spend conditions and guest charges are set by the issuer and can change.