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IDFC First Mayura Metal Credit Card

(

4.9

)

Beginner

Best For: Travel

From

Approval Rate:

Elementor Single Post #221

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IDFC First Mayura Metal Credit Card

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Fees & Charges

Rewards

Features

Tools

Eligibility

Pro's & Cons

Card Details

Type of Card

Travel

Reward %

1.66% - 3.33%

Joining Fees

₹

5999

Renewal Fees

5999

APR

46.2%

Welcome Benefit

  • 4,000 reward points on payment of joining fee
  • Additional 4,000 reward points on spending Rs. 20,000 or more in the second billing cycle
  • Additional 4,000 reward points on spending Rs. 20,000 or more in the third billing cycle

Renewal Benefits

  • 4,000 reward points on payment of renewal fee

USP's:

The card stands out due to its zero forex markup fee, higher frequency of complimentary lounge visits

Fees & Charges

Joining & Renewal Fees

Rs.5999

Interest & Charges

APR: 46.2% per annum
Forex Fee: 0%
Cash Advance Fee: 2.5% of the amount (minimum of Rs.500)
Late Payment Charges:
15% of total amount due as per the previous statement minus any payments received before the due date (subject to a min. of Rs. 100)

Additional Charges

Add-on Card Fee: Rs.4000
Reward Redemption Fee:
Rs.99 per redemption request
Fuel Surcharge Waiver:
1% fuel surcharge waiver, up to Rs. 300 per month, on all fuel spends worth Rs. 200 to Rs. 5,000

Rewards

  • 10X reward points on monthly spends above Rs. 20,000 and on birthday spends
  • 5X reward points on monthly spends up to Rs. 20,000
  • 3X reward points on spends worth Rs. 2,000 or more made via FIRST Digital Credit Card, rent, wallet load, education, and government spends

Milestone Benefits

7,500 reward points worth up to Rs. 3,750 on spending Rs. 8 Lakh in a year15,000 reward points worth Rs. 7,500 on spending Rs. 15 Lakh in a year

Exclusions

Fuel, UPI

Rewards capping

Bonus reward capped at 25,000 points

Rewards Validity

Do not Expire

Redemption modes

Travel Booking
Catalogue Products

Additional Features

travel-3d

Lounge Benefits

  • Domestic Lounge: 4 per Quarter along with 1 guest lounge per quarter
  • International Lounge: 4 per Quarter
  • Railway Lounge: 4 per Quarter
cashback-3d

Insurance Benefits

  • Air Accident Cover: Rs. 1 Crore
  • Personal Accident Cover: Rs. 10 Lakh
  • Lost Card Liability Cover : Rs. 50,000
  • Loss of Checked-in Baggage: USD 500
  • Roadside Assistance: Rs. 1,399
3902003

Other Perks

  • Buy one and get up to Rs. 500 off on the 2nd movie ticket on District App, twice every month
  • Up to 24 golf rounds/lessons per year, maximum 2 every month
  • Complimentary 1-year Little Emperors Hotel Club membership
  • 1 complimentary meet & greet service per year and flat 10% discount on additional services
  • Complimentary 3rd night stay at participating ITC Hotels & Elivaas Hotels on booking for 2 consecutive nights and up to 50% off on 2nd night stay

Eligibility Criteria

Age

18Y

Min

55Y

Max

Credit Score

750

Ex Min

Income

(

Salaried

)

₹

Rs. 25 Lakhs per Annum or more

Income

(

Self Employed

)

₹

Rs. 25 Lakhs per Annum or more

Other: Card-to-card eligibility requirements.

Pros

Zero foreign currency markup fee (0%) on international spends.
High complimentary lounge access (up to 16 domestic/16 international per year).
Free trip cancellation protection (up to ₹50,000, twice a year).
Complimentary golf rounds and lessons (up to 24 annually).
Accelerated 10X rewards on monthly spends above ₹20,000 and on birthdays

Cons

High annual fee (₹5,999 + taxes) with no waiver option.
Relatively low effective reward rate (up to 1.66% at 10X).
Lounge and golf benefits are linked to a minimum monthly spend.
No reward points on fuel and EMI transactions.
A reward points redemption fee is charged per transaction.

Terms and Conditions *

IDFC FIRST Ashva Credit Card

IDFC FIRST Ashva Credit Card

★★★★★
(4.7)
Best For: Travel, Grocery, Entertainment Bank: IDFC First Bank Ltd Network: Visa
View Details Apply Now
Category of Card Reward % Joining Fees Welcome Benefits Renewal Fees Renewal Benefits Best For USP's
Rewards 1.66% ₹2999
  • 2,500 reward points on payment of joining fee
  • Additional 2,500 reward points on...
 ₹2999
  • 2,500 reward points on payment of renewal fee
 Travel, Grocery, Entertainment

Luxury Benefits : 24 complimentary gol...