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IDFC BANK
A metal card with no forex markup at all, and twelve lounge visits a quarter
One-time
Per year
Uncapped rewards
Score 750+
Applying takes you to IDFC BANK. CredSpy does not process applications, and the ranking on this site is never influenced by commission.
Best for
Terms structured from published copy
3 reward rates with their caps, taken from IDFC BANK’s own published wording rather than checked against its terms document. Verify before you rely on a figure.
Terms effective from 10 Oct 2026.
See where each figure came fromEverything else
No published ceiling on this tier
Travel
No published ceiling on this tier
Utilities
No published ceiling on this tier
No Reward Points on EMI conversions, cash withdrawals, fuel, or fees and charges. All exclusions
Data-driven verdict based on net earnings after fees and caps.
Key strength
10% on Everything else — 10X on incremental spends above Rs. 20,000 in a statement cycle, on a base of 1 point per Rs. 150. Excludes education, wallet load, government, rent, utilities, insurance, railways, FASTag, EMI, cash withdrawal and fuel., with no stated cap.
Biggest limitation
Rs. 5,999 plus GST — Rs. 7,079 — with no spend-based fee waiver, only a points benefit at Rs. 8 lakh or Rs. 15 lakh of annual spending.
Priced with caps, exclusions, and annual fee deducted live.
Monthly spending — ₹54,000
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Import a statement and this runs on your real spending instead of the sliders.
Click any drawer below to inspect fee schedules, lounge terms, reward multipliers, and exclusions.
Everything else the issuer publishes about this card. All of it is on this page and searchable — open only what you need.
10 pts
uncappedEverything else
10X on incremental spends above Rs. 20,000 in a statement cycle, on a base of 1 point per Rs. 150. Excludes education, wallet load, government, rent, utilities, insurance, railways, FASTag, EMI, cash withdrawal and fuel.
5 pts
uncappedTravel
5X on international spends, and on spends up to Rs. 20,000 in a statement cycle.
1 pts
uncappedUtilities
Insurance, utility, railways and FASTag transactions earn the 1X base rate.
| Charge | Amount | Condition |
|---|---|---|
| Joining fee | ₹7,079 | — |
| Annual / renewal fee | ₹7,079 | The issuer publishes no spend-based waiver for this card's annual fee. |
| Add-on card | The issuer publishes no separate add-on card fee for this card. | — |
| Cash withdrawal | Cash withdrawal fee as published in IDFC FIRST Bank's schedule of charges | — |
| Late payment | 15% | 15% of the total amount due, subject to a minimum of Rs. 100 and a maximum of Rs. 1,300 |
| Foreign currency markup | 0% | — |
Interest only applies if a balance is carried past the due date. Paying in full each month costs nothing, and no reward rate on this card comes close to offsetting the interest if you do not.
Fees exclude GST unless stated. Charges can change — confirm against the issuer's current schedule before applying.
Year one
Rewards only
no welcome value is recorded
Every year after
₹7,079 a year
charged with no published way to avoid it
No fuel surcharge waiver is published for this card.
Only RuPay credit cards can be linked to UPI, so this card cannot be used to pay by UPI.
Welcome — once
None
no welcome benefit is recorded for this card
Milestones — every year
2
spend thresholds you can reach again each year
No welcome benefit is recorded.
Spend ₹0 a year — about ₹0 a month
7,500 Reward Points, worth up to Rs. 3,750, on Rs. 8 lakh of spending in the previous card anniversary year
Spend ₹1 a year — about ₹0 a month
15,000 Reward Points, worth up to Rs. 7,500, on Rs. 15 lakh of spending in the previous card anniversary year
Scored against these published criteria only. No bureau pull, and no approval guarantee — the issuer decides.
CredSpy never collects these. You submit them to the issuer during their own application.
No reviews yet
CredSpy publishes only reviews left by real cardholders. Nothing here is generated, bought or seeded — so this stays empty until someone who holds the card writes one.
IDFC BANKIDFC FIRST Ashva Credit Card₹3,539
IDFC BANKIDFC FIRST SWYP Credit Card₹589Suryoday SFB FD-Backed Credit CardSuryoday Small Finance BankSuryoday SFB FD-Backed Credit Card₹177Indian Overseas Bank ZET FD Credit CardIndian Overseas BankIndian Overseas Bank ZET FD Credit CardLifetime freeRBL Bank SalarySe UP Credit CardRBL BankRBL Bank SalarySe UP Credit Card₹589YES Bank Rio RuPay Credit CardYES BANKYES Bank Rio RuPay Credit CardLifetime free| Card | Annual fee | Headline rate | Lounge |
|---|---|---|---|
| IDFC FIRST Mayura Credit Card · this card | ₹7,079 | 10% everything else | Included |
| IDFC FIRST Ashva Credit Card | ₹3,539 | Up to 10 reward points per ₹100 | Included |
| IDFC FIRST SWYP Credit Card | ₹589 | Up to 1000 reward points per ₹15,000 | No |
| Suryoday SFB FD-Backed Credit Card | ₹177 | See card | No |
| Indian Overseas Bank ZET FD Credit Card | Lifetime free | Up to 5% cashback | No |
Headline rates are not comparable on their own — each card caps and excludes differently. Run your own spending through the switch calculator to see which of these actually pays you more.
₹7,079 plus GST, with no published spend-based waiver.
The strongest published rate is 10% on everything else, with no stated cap. The calculator above prices your own basket with every cap and exclusion applied.
Yes. The issuer publishes no additional spend condition for this card's lounge access.
Only RuPay credit cards can be linked to UPI, so this card cannot be used to pay by UPI.
No Reward Points on EMI conversions, cash withdrawals, fuel, or fees and charges. No Reward Points on EMI conversions, cash withdrawals, fuel, or fees and charges. No Reward Points on EMI conversions, cash withdrawals, fuel, or fees and charges.
Hotel and flight bookings through the FIRST Rewards Gallery in the IDFC FIRST Bank app, at Rs. 0.50 a point, Gift vouchers and products in the FIRST Rewards Gallery, at Rs. 0.25 a point, Pay using reward points on an online transaction, at Rs. 0.25 a point
You can apply online through our website by filling out the application form and uploading the required documents. You may also visit your nearest branch for in-person assistance.
Yes, you can request a limit increase through internet banking, mobile app, or by contacting customer care. Approval depends on your credit history and income. If you want, I can also create a more engaging, SEO-friendly FAQ section for your credit card website that boosts trust and conversions. Would you like me to prepare that next?
A late payment fee and interest will be charged. Missing payments can also impact your credit score.
The base is 1 Reward Point per Rs. 150 spent. That is multiplied 5X on spends up to Rs. 20,000 in a statement cycle and 10X on everything above Rs. 20,000, so the rate improves as the statement grows. International spends earn 5X. Rent, education, government and wallet load earn 3X, and insurance, utilities, railways and FASTag earn the 1X base only.
Rs. 0.50 when redeemed for hotel and flight bookings through the FIRST Rewards Gallery in IDFC's app, and Rs. 0.25 on everything else — gift vouchers, products, and paying with points on an online transaction. The same point is worth twice as much through one channel as the other, so where you redeem matters as much as what you earn.
Yes. IDFC publishes a 0% foreign exchange markup on international transactions. Against the 3.5% that most Indian cards charge, that is about Rs. 4,130 saved on every Rs. 1,00,000 spent abroad once GST is counted — and on a card whose rewards are built around travel, it is the single most valuable term on it.
Four complimentary domestic airport lounge visits a quarter, including one guest entry, four international lounge visits a quarter, and four railway lounge visits a quarter across India. The railway allowance is unusual — almost nothing else in this catalogue offers it — and the guest entry on the domestic side effectively doubles that allowance for somebody travelling with family.
Not in the usual sense. IDFC does not reverse the Rs. 5,999 plus GST fee on spending. Instead it pays an Annual Fee Payment Benefit: 7,500 Reward Points, worth up to Rs. 3,750, on Rs. 8 lakh of previous-year spending, or 15,000 points, worth up to Rs. 7,500, on Rs. 15 lakh. At Rs. 15 lakh that benefit covers the fee; below Rs. 8 lakh it covers none of it.
EMI conversions, cash withdrawals, fuel, and fees and charges earn no Reward Points at all. The 10X tier has a longer exclusion list on top of that — education, wallet load, government, rent, property, utilities, insurance, railways, FASTag, EMI, cash withdrawal, loan on credit card and fuel — which is why those categories appear separately at 3X or 1X.
IDFC publishes a 0% foreign exchange markup on international transactions on this card. Most Indian cards charge 3.5% plus GST on every foreign-currency transaction, which is about Rs. 4,130 on Rs. 1,00,000 of spending abroad.
Two trips a year at that level and the markup alone has cost more than this card's Rs. 7,079 fee. That is the arithmetic the card is built on, and it is why it belongs with the handful of zero-forex cards in this catalogue rather than with the general-purpose premium cards.
The base is 1 Reward Point per Rs. 150. Spends up to Rs. 20,000 in a statement cycle earn 5X that, and everything above Rs. 20,000 earns 10X — so unlike almost every other card here, the rate gets better as the month goes on rather than worse.
What breaks the pattern is the exclusion list on the 10X tier: education, wallet load, government, rent, property, utilities, insurance, railways, FASTag, EMI, cash withdrawal, loan on credit card and fuel. Those are not lost, they are moved — rent, education, government and wallet load earn 3X, and insurance, utilities, railways and FASTag earn the 1X base. Fuel, EMI, cash withdrawals and the card's own fees earn nothing at all.
A Mayura Reward Point is worth Rs. 0.50 on hotel and flight bookings through the FIRST Rewards Gallery in IDFC's app, and Rs. 0.25 on anything else — vouchers, products, or paying with points on an online transaction.
That is a two-to-one difference on the same point, and it changes the card's whole return. At 10X on a Rs. 150 base, a Rs. 30,000 month earns about 2,000 points on the incremental portion: Rs. 1,000 against travel in IDFC's gallery, Rs. 500 against a voucher. Anybody holding this card for the rewards rather than the forex markup should plan to redeem on travel, which is also where the rest of the card's benefits point.
Credit card fees, rewards and benefits change. Please verify the latest terms on the issuer's website before applying. CredSpy earns a commission on some applications; it never affects rankings or what is written here.
IDFC FIRST Mayura Credit Card — 10% on everything else. ₹7,079 a year.