IDFC FIRST Mayura cashback rate, cap and annual fee
IDFC FIRST Mayura pays 5.83% at Hotels booked in the IDFC FIRST app, and 7 other rates. The card costs INR 5,999 a year.
IDFC FIRST Bank · India · catalogue v101
Read from IDFC FIRST Bank's own published terms on 20 Sep 2026.
INR 5,999Annual fee
5.83%Best rate
What it pays, by category
| Spending | Rate | Monthly cap |
|---|---|---|
| Hotels booked in the IDFC FIRST apptravel | 5.83% | —Hotels booked in the IDFC FIRST app, where thirty times is added to the base rate. |
| Flights booked in the IDFC FIRST apptravel | 3.33% | —Flights booked in the IDFC FIRST app, where fifteen times is added. |
| travel | 0.83% | —Travel booked anywhere else earns the base rate. |
| everything else | 0.83% | —Five times the base rate on everything up to ₹20,000 in a statement cycle. Past that IDFC pays ten, which this entry does not hold. |
| International purchaseseverything else | 0.83% | —International spending, at the same five times the base rate, with no markup charged on top of it. |
| rent and property | 0.50% | —Rent, at three times the base rate. |
| education | 0.50% | —Education, at three times the base rate. |
| government | 0.17% | —Government services earn three times and utilities one, and this app files both in the same place, so it reports the lower. |
Ashva's rate card at twice the fee, with two differences that both go Mayura's way: the foreign markup really is zero — the range listing and the page agree here, where they do not on Ashva — and a Reward Point is worth ₹0.50 against a hotel or flight booked in IDFC's app rather than ₹0.40. In cash both are ₹0.25, and ₹0.25 is what this entry uses, because the higher figure requires a redemption channel and a trip. The structure is the same: five times the base rate up to ₹20,000 in a statement cycle and ten past it, which this app holds at five; three times on rent, education, government and wallet loads; one times on insurance, utilities, railways and FASTag; thirty times added on hotels and fifteen on flights booked in IDFC's own app. International spending earns five times and carries no announced reduction, which is the other place it beats Ashva today. Points never expire. ₹5,999 to join and ₹5,999 a year, with 7,500 points returned above ₹8 lakh of annual spending and 15,000 above ₹15 lakh. As on Ashva, the fuel exclusion the rest of the range publishes is absent from this page, so fuel reads at the base rate here. Source: idfcfirst.bank.in, checked 20 Sep 2026.
Questions people ask
What cashback does the IDFC FIRST Mayura pay?
5.83% at Hotels booked in the IDFC FIRST app, and 7 other rates.
Is there a cap on the IDFC FIRST Mayura?
No monthly cap is published on the rates shown here.
What is the annual fee on the IDFC FIRST Mayura?
INR 5,999 a year.
Knowing the rate is not the same as remembering it
PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. It works offline and never connects to a bank.
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