{
  "id": "idfc-mayura",
  "locale": "hinglish",
  "name": "IDFC FIRST Mayura Metal Credit Card",
  "bank": "IDFC FIRST Bank",
  "cardType": "premium",
  "cardTier": "ultra-premium",
  "annualFee": "₹5,999 + GST",
  "loungeAccess": "Saal mein 16 Domestic aur 16 International Lounges (Guest access included)",
  "rewardsRate": "Monthly ₹20k spend ke upar 10X Rewards (2.5%) · 0% Zero Forex Markup",
  "bestFor": "Frequent foreign travelers, international luxury spends, golf perks aur 0% forex",
  "officialLink": "https://www.idfcfirst.bank.in/credit-card/metal-credit-card/mayura",
  "aiVerdict": {
    "score": 2.6,
    "summary": "Its modest reward rate plus solid lounge access make it a well-rounded pick.",
    "tradeOffs": [
      "Modest reward rate relative to the market's best cashback cards",
      "High annual fee (₹5999) erodes net rewards",
      "Limited lounge access compared with premium travel cards"
    ],
    "confidence": 1
  },
  "rewardRatePercent": 0.5,
  "affiliateId": "idfc-mayura",
  "dataQuality": "PARTIAL",
  "legacyDataQuality": "PARTIAL",
  "evidence": {
    "version": 4,
    "asOf": "2026-10-16",
    "dataQuality": "PARTIAL",
    "verifiedAt": null,
    "unresolvedItems": [
      "fees.joining",
      "fees.annual",
      "fees.taxes",
      "fees.waiver",
      "fees.waiverEligibleSpend",
      "fees.waiverExclusions",
      "rewards.base",
      "rewards.accelerated",
      "rewards.channels",
      "rewards.caps",
      "rewards.capPeriods",
      "rewards.sharedLimits",
      "rewards.exclusions",
      "lounge.domestic",
      "lounge.international",
      "lounge.qualifyingSpend",
      "lounge.qualifyingPeriod",
      "lounge.guests",
      "lounge.issuerNetwork",
      "redemption.value",
      "redemption.minimum",
      "redemption.charges",
      "redemption.expiry",
      "redemption.transfers",
      "redemption.restrictions",
      "eligibility",
      "availability",
      "effectiveDates"
    ],
    "calculation": {
      "status": "unavailable",
      "reason": "Claim-level evidence review incomplete"
    }
  },
  "sources": [
    "https://www.idfcfirst.bank.in/credit-card/metal-credit-card/mayura",
    "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/MITC-Document-Customer.pdf",
    "https://www.idfcfirst.bank.in/content/dam/idfcfirstbank/pdf/credit-card/Credit-Card-Communication1-Sep-26.pdf"
  ],
  "feeWaiver": "No automated spend waiver (offset by 0% forex markup & luxury perks)",
  "networks": [
    "Visa"
  ],
  "quickFacts": [
    {
      "key": "Forex Markup",
      "value": "0.0% (Zero Forex Markup)"
    },
    {
      "key": "Accelerated Spends",
      "value": "10X Points (2.5%) above ₹20k/mo"
    },
    {
      "key": "Lounge Access",
      "value": "16 Dom + 16 Intl / year (With Guests)"
    },
    {
      "key": "Golf & Spa",
      "value": "Free Golf Rounds & Airport Spa"
    },
    {
      "key": "Points Expiry",
      "value": "Never Expire"
    },
    {
      "key": "Annual Fee",
      "value": "₹5,999 + GST"
    }
  ],
  "earnRates": [
    {
      "category": "Monthly Spends Above ₹20,000 (10X Rewards)",
      "rate": "2.5% (10X Points)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "10,000 Points (₹2,500 value)"
    },
    {
      "category": "Base Spends Up To ₹20,000 / month",
      "rate": "0.5%–0.75% (3 Points / ₹150)",
      "monthlyCap": "Uncapped",
      "perLakhSpent": "2,000 Points (₹500 value)"
    },
    {
      "category": "Fuel & ATM Cash Advance",
      "rate": "0%",
      "monthlyCap": "Excluded",
      "perLakhSpent": "0 Points"
    }
  ],
  "hasAccelerated": true,
  "acceleratedEarn": [
    {
      "channel": "Spends Above ₹20,000 / month",
      "multiplier": "3.33×",
      "rate": "2.5% (10X)",
      "monthlyCap": "Uncapped",
      "dailyCap": "—",
      "note": "Sabhi incremental retail shopping par 10X points."
    },
    {
      "channel": "Birthday Spends",
      "multiplier": "3.33×",
      "rate": "2.5% (10X)",
      "monthlyCap": "Birthday cycle",
      "dailyCap": "—",
      "note": "Birthday par sabhi transactions par 10X rewards."
    }
  ],
  "redemptionRoutes": [
    {
      "route": "Flight & Hotel Bookings",
      "value": "1 Point = ₹0.25",
      "minPoints": "1 point",
      "ceiling": "No ceiling",
      "fee": "₹99 + GST",
      "isBest": true
    },
    {
      "route": "Amazon / Flipkart Gift Vouchers",
      "value": "1 Point = ₹0.25",
      "minPoints": "1 point",
      "ceiling": "No ceiling",
      "fee": "₹99 + GST",
      "isBest": true
    }
  ],
  "exclusions": [
    "Fuel spends (₹200 se ₹5,000 par 1% fuel surcharge waiver available).",
    "Wallet reload aur cash withdrawals."
  ],
  "feesDetail": [
    {
      "item": "Joining Fee",
      "value": "₹5,999 + GST"
    },
    {
      "item": "Annual / Renewal Fee",
      "value": "₹5,999 + GST"
    },
    {
      "item": "Foreign Currency Markup",
      "value": "0.0% (Sabhi international transactions par Zero Forex Markup)"
    },
    {
      "item": "Finance Charges (Monthly)",
      "value": "0.75% to 2.99% per month (9% to 35.88% APR)"
    },
    {
      "item": "Add-On Card Fee",
      "value": "Nil"
    },
    {
      "item": "Card Replacement Fee",
      "value": "₹100 + GST"
    }
  ],
  "eligibilityDetail": [
    {
      "criteria": "Minimum Age",
      "requirement": "21 se 65 saal"
    },
    {
      "criteria": "Minimum Income",
      "requirement": "₹15,00,000 per annum (Salaried ya Self-Employed)"
    },
    {
      "criteria": "Nationality",
      "requirement": "Resident Indian"
    }
  ],
  "timelineEvents": [],
  "pointsValuation": null
}