PointsVista · India · Updated 2026-10-03

IDFC FIRST Mayura

IDFC FIRST Bank · Bank points

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Zero forex markup, which suits heavy overseas spending. Points can't be transferred to airlines.

Welcome offer: 12,000 reward points (about ₹3,000) in three parts over the first three statements
Annual fee: ₹7,079 a year incl. GST (no waiver)
Rewards rate: 0.83% everyday; 8.34% on travel via the app
Regular APR: Interest is charged monthly; see the bank's fees page
Recommended CIBIL score: CIBIL 700+ (guide: TransUnion CIBIL calls 700+ good; the bank doesn't publish a minimum)
Forex markup: 0%
Airport lounges: Domestic and international lounges. Up to 16 domestic + 16 international a year.
Points go to: IDFC FIRST Reward Points. Points can't be transferred to airlines or hotels. They're worth ₹0.25 each for vouchers or statement credit, or ₹0.50 on flights and hotels booked in the IDFC FIRST app.

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