Verified — 16/16 categories
IDFC FIRST
Mayura Credit Card
Best forGroceries & Dining
Earns5 RP/₹150 on groceries
1st Year / Joining Fee
₹5,999 + taxes
Renewal Fee
Not recorded
Fee waiver
Not recorded
Network
Not recorded
IDFC FIRST
Mayura Credit Card
Why this card may suit you
Based on the card's verified terms.
- Best suited to spending on groceries and dining, where it earns 5 RP/₹150
How you earn
Reward rates at a glance — exactly as recorded for this card.
Groceries5 RP/₹150
Dining5 RP/₹150
Food Delivery5 RP/₹150
Shopping5 RP/₹150
Travel5 RP/₹150
All 16 reward categories · 16 of 16 categories verified
| Category | Rate | Cap | Condition |
|---|---|---|---|
| Rent | Not a good fit | — | 3 RP / ₹150 (2.0 RP / ₹100, 0.50% standard / 1.00% Travel & Shop) on Rent payments (MCC 6513)Details
|
| Education | Not a good fit | — | 3 RP / ₹150 (2.0 RP / ₹100, 0.50% standard / 1.00% Travel & Shop) on Education spendDetails
|
| Insurance | 1 RP/₹150 | — | 1 RP / ₹150 (0.667 RP / ₹100, 0.167% standard / 0.333% Travel & Shop) on Insurance premium paymentsDetails
|
| Utilities | 1 RP/₹150 | — | 1 RP / ₹150 (0.667 RP / ₹100, 0.167% standard / 0.333% Travel & Shop) on Utility bill paymentsDetails
|
| Fuel | No reward | — | —Details
|
| Groceries | 5 RP/₹150 | — | 5 RP / ₹150 (3.333 RP / ₹100, 0.833% standard / 1.667% Travel & Shop) up to ₹20,000 monthly spendDetails
|
| Dining | 5 RP/₹150 | — | 5 RP / ₹150 (3.333 RP / ₹100, 0.833% standard / 1.667% Travel & Shop) up to ₹20,000 monthly spendDetails
|
| Food Delivery | 5 RP/₹150 | — | 5 RP / ₹150 (3.333 RP / ₹100, 0.833% standard / 1.667% Travel & Shop) up to ₹20,000 monthly spendDetails
|
| Shopping | 5 RP/₹150 | — | 5 RP / ₹150 (3.333 RP / ₹100, 0.833% standard / 1.667% Travel & Shop) up to ₹20,000 monthly spendDetails
|
| Travel | 5 RP/₹150 | — | 5 RP / ₹150 (3.333 RP / ₹100) baseDetails
|
| Government | 3 RP/₹150 | — | 3 RP / ₹150 (2.0 RP / ₹100, 0.50% standard / 1.00% Travel & Shop) on Government and tax paymentsDetails
|
| Wallet | 3 RP/₹150 | — | 3 RP / ₹150 (2.0 RP / ₹100, 0.50% standard / 1.00% Travel & Shop) on Wallet loading transactionsDetails
|
| Railways | 1 RP/₹150 | — | 1 RP / ₹150 (0.667 RP / ₹100, 0.167% standard / 0.333% Travel & Shop) on Railway ticket bookingsDetails
|
| FASTag | 1 RP/₹150 | — | 1 RP / ₹150 (0.667 RP / ₹100, 0.167% standard / 0.333% Travel & Shop) on FASTag rechargesDetails
|
| Jewellery | 5 RP/₹150 | — | 5 RP / ₹150 (3.333 RP / ₹100, 0.833% standard / 1.667% Travel & Shop) up to ₹20,000 monthly spendDetails
|
| Telecom | 1 RP/₹150 | — | 1 RP / ₹150 (0.667 RP / ₹100, 0.167% standard / 0.333% Travel & Shop) on Telecom services (MCC 4814, 4816, 4899Details
|
“—” means not established. “Research pending” is not zero: it means DhanChakshu has not finished verifying that category, so it is not counted.
Cost & caps
What it costs to hold, and where rewards stop.
1st Year / Joining Fee
₹5,999 + taxes
Renewal Fee
Not recorded
Fee waiver
Not recorded
Reward caps
- Fuel — ₹300 / statement (per category — Fuel)
Key benefits
Rewards
5 RP/₹150 on groceries
Fuel surcharge waiver
1% fuel surcharge waiver for transactions between ₹200 and ₹5,000, capped at ₹300 per statement cycle
Foreign-currency markup
0% foreign-currency markup — Zero forex markup on all foreign currency international transactions
Important to know
Limits and exclusions that change what you earn.
- Fuel rewards are capped at ₹300 / statement (per category — Fuel)
- No reward on: Fuel
- Not recommended for: Rent, Education
Who should consider this card
✓ Good fit if
- Your spending is concentrated in groceries, dining, food delivery
△ Less useful if
- Much of your spending is in rent, education, fuel, which earn nothing
- You do not want to pay an annual fee
Full details
Everything else, expanded on demand.
Caps & exclusions · 1 caps · 3 no-reward categories
Caps
- Fuel — ₹300 / statement (per category — Fuel)
Categories with no reward or not eligible
- Rent — Not a good fit. 3 RP / ₹150 (2.0 RP / ₹100, 0.50% standard / 1.00% Travel & Shop) on Rent payments (MCC 6513).
- Education — Not a good fit. 3 RP / ₹150 (2.0 RP / ₹100, 0.50% standard / 1.00% Travel & Shop) on Education spend.
- Fuel — No reward.
Milestones · none recorded
No milestone benefit is recorded for this card.
Eligibility
Subject to IDFC FIRST's underwriting and eligibility criteria. See the issuer's terms for current requirements.
Specifications
- Payment network: Not recorded
- Airport lounge: Not recorded by DhanChakshu — check the issuer terms
- Fuel surcharge waiver: 1% fuel surcharge waiver for transactions between ₹200 and ₹5,000, capped at ₹300 per statement cycle. GST on surcharge is not waived.
- Foreign-currency markup: 0% foreign-currency markup — Zero forex markup on all foreign currency international transactions.
What DhanChakshu couldn't fully verify · 2 areas
2 areas need further verification. None of these are counted as zero.
- • Lounge benefit — not recorded; check the issuer terms
- • Payment network — not recorded
Sources & verification
Verification & sources · last checked 2026-09-29
Verification coverage: All 16 categories verified
Card record last checked: 2026-09-29
Documents used
Official IDFC FIRST Bank Mayura Key Fact Statement (KFS) and MITC, ₹5,999 fee, fuel surcharge waiver, utility & education transaction fees, 1X/3X category inclusions and 10X milestone exclusions · SRC-IDFC-MAYURA-KFS
IDFC FIRST Bank — "Important update regarding your IDFC FIRST Bank Credit Card" (changes w.e.f. 20 Feb 2025) · SRC-IDFC-UPDATE-2025-02 · 2026-09-30