HIGH TRAVEL REWARDS || ZERO FOREX MARKUP CREDIT CARD

IDFC First Mayura Credit Card

IDFC First Mayura Credit Card - Our Money Guide Our Rating 3.75
Top Reasons to Choose
✔︎
20% reward on hotels, 13.3% on flights
✔︎
Domestic airport lounge access - 16 times per year
✔︎
International airport lounge access - 16 times per year
✔︎
Railway lounge access – 16 times per year
✔︎
Zero forex fee on international transactions
✔︎
Golf Offer 1: Complimentary golf rounds – up to 2 per month
✔︎
Golf Offer 2: 4 free golf rounds per year, and 1 free golf lesson per month
✔︎
Free movie tickets - 2 tickets per month (up to ₹500 each)
Annual Fee

₹5999

Minimum Income

Not specified

Annual Fee Offers
  • Welcome offer: Up to 12000 reward points worth ₹6000
  • Renewal offer: 7500 reward points worth ₹3750, at ₹8 lakh annual card spend. OR 15000 reward points worth ₹7500, at ₹15 lakh annual card spend

▶︎ Upto 20% Reward on Travel & Zero Forex Fee 

Accelerated travel rewards:

  • Hotels: Up to 20% rewards (60X points) via IDFC Accelerator program
  • Flights: 13.3% rewards (40X points) via IDFC Accelerator program
  • Monthly Limits: Maximum 25,000 bonus reward points per month

Zero forex markup: No fees on international transactions

▶︎ Upto 3.3% Reward on Other Spends

Up to ₹20,000 Monthly Spend: 1.6% rewards (5X program)

  • Earn 5 reward points per ₹150 spent (₹2.50 value)
  • Reward point value: ₹0.50 for flight/hotel redemptions

Above ₹20,000 Monthly Spend: 3.3% rewards (10X program)

  • Earn 10 reward points per ₹150 spent (₹5 value)
  • Reward point value: ₹0.50 for flight/hotel redemptions

Important Exclusions & Special Categories

  • Insurance & utilities: 0.33% rewards (1X) - excluded from 10X tier threshold calculation
  • Rental, education, wallet loads, government: 1% rewards (3X) - excluded from 10X tier threshold calculation
  • No rewards: Fuel, EMI, loan transfers, balance transfers, fees, cash withdrawals

▶︎ Other Benefits 

Airport & Railway Lounge Access (Requires ₹20,000 monthly spend in previous month)

  • Domestic lounge access: 4 times per quarter (+ 1 guest visit)
  • International lounge access: 4 times per quarter
  • Railway lounge access: 4 times per quarter

Golf Benefits

  • Spend-based: 1 free round/lesson per ₹20,000 spent (maximum 2 per month)
  • Mastercard benefit: 4 free rounds annually + 1 lesson monthly

Entertainment, Fuel & Mobility

  • Movies: BOGO offer - 2 free tickets monthly (up to ₹500 off 2nd ticket, valid twice monthly)
  • Fuel: Surcharge waiver up to ₹300 monthly (valid on fuel transactions between ₹200-₹5,000)
  • Roadside Assistance: 24/7 emergency support worth ₹1,399 (4 times yearly)

▶︎ Comprehensive Insurance Coverage

  • Card Protection: ₹50,000 for fraud/counterfeit transactions
  • Personal Accident: ₹10 lakhs general cover
  • Air Accident: ₹1 crore coverage
  • Travel Insurance: USD 1,200 total (baggage loss/delay, document loss, flight delays)
  • CFAR Insurance: ₹50,000 cancellation cover for flights/hotels (2 claims yearly)
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Benefits

  • High rewards on travel (up to 20% on hotels, 13.3% on flights)
  • Zero forex markup - substantial savings for international travellers
  • Comprehensive lounge access - both domestic and international
  • Lifestyle privileges like movie offers, golf offers and emergency roadside assistance
  • Railway lounge access
  • Premium metal card with attractive design
  • Trip cancellation insurance up to ₹50,000, a unique feature
  • Digital RuPay integration for UPI payments

Drawbacks to consider

  • Comparatively low rewards on shopping purchases
  • Card spend requirements for lounge access (₹20,000/month)

To read the full review of the card , please click here

Super-Premium Credit Card from IDFC First Bank

IDFC First Private Credit Card

IDFC First Private Credit Card - Our Money Guide Our Rating 4.25
Top Reasons to Choose
✔︎
40% reward on hotels, 20% on flights
✔︎
Unlimited domestic & international airport lounge access
✔︎
Unlimited free golf rounds and lessons in India
✔︎
Zero forex fee on international transactions
✔︎
Unlimited domestic railway lounge access
✔︎
100% discount (up to ₹750) on movie tickets - 2 times per month
✔︎
Club ITC Culinaire Select membership
Annual Fee

₹50000

Minimum Income

Invite Only

Annual Fee Offers
  • Welcome offers: Club ITC Culinaire Select membership. 50,000 reward points worth ₹50,000
  • Renewal offers: Renewal of Club ITC Culinaire Select membership at ₹40 lakh annual card spend. 25,000 reward points worth ₹25,000

▶︎ Upto 40% Rewards on Card Spending

Up to 40% accelerated travel rewards, through IDFC accelerator program

  • 40% rewards on hotels, 20% on flights
  • Monthly limit: 2,00,000 reward points

High base rewards: 6.66%

  • Rate: 10 reward points per ₹150 (₹10 value)
  • Important exclusions: Fuel, government, EMI, cash withdrawals
  • Reduced reward categories: Insurance (0.66%), rental/property/education (2%)

Value of reward points: 1 point = ₹1 (for hotel/flight redemptions)

Additional benefits, based on spending milestones

  • ₹15 lakh (every 6 months): Taj Experiences Signature Dining Voucher
  • ₹40 lakh annually: Club ITC Culinaire Select membership

▶︎ World-Class Travel Benefits

Unlimited airport & railway lounge access, zero forex fee

  • International airports: Primary + add-on cardholders
  • Domestic airports & spas: Primary + add-on cardholders
  • Railway lounges: Unlimited domestic access
  • Forex: Zero markup on international transactions

Hotel Partnerships

  • ITC Hotels: Free 3rd night on 2-night stays OR 50% off 2nd night
  • Postcard Hotels: ₹7,500 off minimum ₹25,000 spend (once monthly)

▶︎ Entertainment & Leisure Benefits

Golf Benefits

  • Domestic: Unlimited rounds and lessons in India
  • International: 1 complimentary round per quarter at select courses

Exclusive Memberships

  • Quorum Club: 20% off joining fees + 20% restaurant discounts (minimum ₹5,000 spend)

Movie Benefits

  • Discount: 100% off up to ₹750 per transaction
  • Usage: 2 times monthly on movies, food combos, non-movies

▶︎ Comprehensive Insurance Coverage

Comprehensive Protection

  • Personal accident: ₹25 lakh general coverage
  • Air accident: ₹2.5 crore coverage
  • Card liability: ₹5 lakh protection
  • Credit shield: ₹5 lakh coverage
  • Purchase protection: ₹5 lakh coverage

Travel Insurance (USD 1,200 total)

  • Baggage loss: USD 500 | Baggage delay: USD 100
  • Document loss: USD 300 | Flight delay: USD 300
  • CFAR insurance: ₹50,000 cancellation cover (2 claims annually)

Emergency Support

  • Roadside assistance: ₹1,399 value, 4 times annually across India
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Benefits

  • Very high travel rewards - 40% on hotels, 20% on flights 
  • Zero forex fee on international card transactions
  • Unlimited airport lounge access for primary and add-on cardholders - domestic and international access
  • Unlimited golf rounds and lessons
  • Unlimited domestic railway lounge access 
  • 100% discount (up to ₹750) on BookMyShow movie tickets - 2 times per month
  • ITC Hotels offer: 3rd night free, for every 2 consecutive paid nights
  • 6.6% unlimited reward on utility bill payments, suitable for high spenders
  • 2% reward on rent and education payments (many cards give no rewards on such spends)
  • Trip cancellation insurance (for hotels & flight cancellations): Up to ₹50,000, 2 times per year - a unique benefit

Drawbacks to consider

  • High annual fee
  • Invite only card, difficult to get
  • Does not offer an airline/ hotel points transfer program, unlike competitors like Axis Burgundy Credit Card
  • Lower redemption value for non-travel options (₹0.25 vs ₹1 per reward point), hence more suitable for frequent travelers

To read the full review of the card , please click here
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