Mayura Credit Card: rewards, caps and exclusions

What it earns

≈ marks a rate paid in points, valued at ₹0.25 a point. That is Zenidhi's conservative valuation, the same one the audit uses: the cheap end of what the points can be redeemed for, never the best transfer. Redeemed well, they can be worth more.

What earns nothing

Spend in these categories earns no rewards on this card, however it is paid for:

• Fuel
• EMI conversions
• Cash withdrawals and fees

What costs extra

Worse than earning nothing: IDFC FIRST Bank charges a fee for these.

• 1% on Rent and Property Management Fee, at least ₹249, plus GST
• 1% on Fair usage on Utility Spends, plus GST
• 1% on Fuel Fee, plus GST
• 1% on Passenger Railways Transaction Fee, plus GST
• 1% on Tolls and Bridges Transaction Fee, plus GST
• 1% on Education Payment Fee (third-party apps), at least ₹249, plus GST

Milestones

In IDFC FIRST Bank's own words:

• Annual Fee Payment Benefit: "Spend minimum ₹8,00,000 in the previous card anniversary year and get 7,500 Reward Points (Worth up to ₹3,750)" — annual fee must be paid → 7,500 RP
• Annual Fee Payment Benefit, higher tier: "Spend minimum ₹15,00,000 in the previous card anniversary year and get 15,000 Reward Points (Worth up to ₹7,500)" — replaces the ₹8L tier, so this row carries the extra 7,500 RP → +7,500 RP (15,000 total)

Fees

• Annual fee: ₹5,999, plus 18% GST
• Joining fee: ₹5,999

Welcome benefit: 4,000 RP on realization of the joining fee + 4,000 RP on ₹20,000 net spend in the 2nd statement cycle + 4,000 RP on ₹20,000 net spend in the 3rd statement cycle on paying the joining fee and spending ₹20,000 within 90 days.

Where this comes from

Transcribed from IDFC FIRST Bank's own documents and checked against them on 9 October 2026:

• rewards-structure T&C, idfcfirst.bank.in (PDF)
• product document, idfcfirst.bank.in (PDF)
• idfcfirst.bank.in (PDF)
• product page, idfcfirst.bank.in
• 18 Jun 2026 notice, idfcfirst.bank.in (PDF)
• MITC created 8 Sep 2026, idfcfirst.bank.in (PDF)

Banks change these terms, sometimes with a month's notice. If a figure here disagrees with IDFC FIRST Bank's current document, the bank's document is right. Tell us at support@zenidhi.com and we'll fix the rule, here and in the app.

Hold this card?

Zenidhi reads your IDFC FIRST Bank statements and transaction alerts in Gmail, replays every swipe against the rules on this page, and shows you what you missed, and which card in your wallet to use next time. Get my audit · How the audit works

Other IDFC FIRST Bank cards

Every card we have rules for