Revaluation Accelerated Rewards & Enhanced Value: IDFC MAYURA 🦚 CREDIT CARD

[abhishek]

🛑 Huge Update on IDFC Mayura Credit Card for frequent Travellers!

Earn up to 60 Reward Points on Travel Bookings
Hotels & Flights only!
1 Reward Point = ₹0.50 on travel spends

That’s great value for frequent flyers!

T&C: http://bit.ly/4kGez8H

 

[PrinceHeart]

Pts redemption
1524/-
Net returns = 18867/-
Offline spends altas wins as calculated by @Finchamp!
So even in international spends atlas wins..

Ah Atlas is what I need to continue

It all comes down to which cards you got.

If you got both atlas, and mayura, next comes to decide, you want direct accor points or want direct cash value.

 

[cc_newbie]

Currently discounts showing for flights only and not hotels. And it showing for me on the payment / summary page, before choosing which card i want to pay with.

Interesting! Wonder if they'll keep the discounts long term and if it's still limited 2 times usage per month

If they do keep and have set the usage limit per card instead of per account, it might make sense to get the add on cards finally which didn't make sense earlier because of the high joining and annual fees even for the plastic variants of add ons

 

[Abhi21]

Out of the world scenario with Mayura

Monthly 60000 with flights only. 2 international + 2 domestic.

CF - 1800
Discount - 9000
RP - 666+10666= 5666 rupees
Net profit monthly - 12866

Annual Profit - 154392.
Annual Fee - 7080

Net return = 147312 = 20.46%

Best for travel bloggers and business ppl who carries business from one country to another.

 

[Abhi21]

That is because, it was used online on an international website which convert their currency to indian money. So they were charged 1%. Its the same on many other cards from last few yrs already. No surprise there.

I am using idfc wow cc for the last 2yrs for all regular international spends on international lands. 0 means 0. I am sure its the same with mayura, unless specify specifically.

There is one international trip lined up for me this year. Now due to this, should I take Ashva card for forex or shall I go with fd based wow card? I don't have any forex card.. Atlas is 3.5%+ GST. So net to net it will be zero right ( 4% offline spends). So bit confused.. Shld I opt for another card or be as it is..

 

[Abhi21]

Reminder : for base points in IDFC mayura
< 20k/ month is 5x and
>20k / month you will get 10x

 

[PrinceHeart]

There is one international trip lined up for me this year. Now due to this, should I take Ashva card for forex or shall I go with fd based wow card? I don't have any forex card.. Atlas is 3.5%+ GST. So net to net it will be zero right ( 4% offline spends). So bit confused.. Shld I opt for another card or be as it is..

Get the idfc wow cc for peace of mind. Calculate your use to the approx and put that money in your idfc bank, u will earn more interest in a month than regular banks.

Get a 20k-30k fd wow cc. it got good interest. Amount is less. Pay your cc bill as you keep going forward.

I advice you to spend max 50%-60% of the limit, pay cc bill from your account. Limit will reset. Use cc again.

 

[Abhi21]

Now I checked the redemption value in IDFC portal for hotel bookings.
The prices of the hotel are little bit hiked up and when calculated with clear trip (prices cheaper) it is more or less the same. Used 5% SBI cashback.
Travel edge ❌

 

[PrinceHeart]

Now I checked the redemption value in IDFC portal for hotel bookings.
The prices of the hotel are little bit hiked up and when calculated with clear trip (prices cheaper) it is more or less the same. Used 5% SBI cashback.
Travel edge ❌

Just opposite for me. Few 5stars hotels i saw got cheap price haha. I was like wow really ?

 

[sarainfo12]

Essentially % return for flights is 13.33%


How did you get the 0.5 forex markup?

In reddit form who uses this card has posted it that in his billing cycle it's 0.5 % reflected

Check this thread
Thread 'IDFC Mayura: Hidden Utility Charges on "Zero Forex" Card for International txns' https://www.technofino.in/community...zero-forex-card-for-international-txns.35678/

That is because, it was used online on an international website which convert their currency to indian money. So they were charged 1%. Its the same on many other cards from last few yrs already. No surprise there.

I am using idfc wow cc for the last 2yrs for all regular international spends on international lands. 0 means 0. I am sure its the same with mayura, unless specify specifically.

Idfc mayura card was my primary card when I went to Singapore trip last year oct . I am 100% sure there was no extra charges .

There will be minor differences between google value vs actual money deducted in our account due to default network charges ( which is applicable for all the cards that also i tested last year by using 4 different cards )

 

[anshbirani]

I tried booking a Taj Hotel from the hotel portal and the payment wasn't going through from my Mayura and Vistara card, believe the portal is stil rookie

 

[sarainfo12]

Quick questions,
1. Can we close this card now and apply again after 1 year and will it get approved?
2. If approved , are we eligible for joining benefits again ?

 

[cc_newbie]

I tried booking a Taj Hotel from the hotel portal and the payment wasn't going through from my Mayura and Vistara card, believe the portal is stil rookie

Noticed the same thing, best to drop them an email so they're aware

 

[cc_newbie]

I was excited at first but after checking more, this reevaluation isn't as it seems

Tried booking flights with the 15% discount, but the payment gateway blocked it and said the offer isn't valid

Turns out, the T&Cs say the 15% offer only runs till June 3, 2025

Pretty sure they're switching out the flat 15% discount for this new rewards (which is just 13.33% back), so this “update” seems like a devaluation instead

 

[PrinceHeart]

I was excited at first but after checking more, this reevaluation isn't as it seems

Tried booking flights with the 15% discount, but the payment gateway blocked it and said the offer isn't valid

Turns out, the T&Cs say the 15% offer only runs till June 3, 2025

Pretty sure they're switching out the flat 15% discount for this new rewards (which is just 13.33% back), so this “update” seems like a devaluation instead

Today is june 3 2025. The offer should had worked.

 

[BVCBVC is verified member.]

I was excited at first but after checking more, this reevaluation isn't as it seems

Tried booking flights with the 15% discount, but the payment gateway blocked it and said the offer isn't valid

Turns out, the T&Cs say the 15% offer only runs till June 3, 2025

Pretty sure they're switching out the flat 15% discount for this new rewards (which is just 13.33% back), so this “update” seems like a devaluation instead

Today is june 3 2025. The offer should had worked.

Technically speaking banks won't survive with almost 29% returns on Airlines (15%+13.33%). So IDFC might have keeping it as technical glitch for today and anyways offer deadline is over by today.

 

[cc_newbie]

Technically speaking banks won't survive with almost 29% returns on Airlines (15%+13.33%). So IDFC might have keeping it as technical glitch for today and anyways offer deadline is over by today.

Could be wrong but thought infinia gave 33% so probably not unsustainable?

Besides, if they're swapping the 15% discount with 13.33% points (which one can redeem for only up to 70% of flight tickets cost) instead of allowing both (which everyone in this thread assumed), then this seems like a sneaky devaluation instead

 

[BVCBVC is verified member.]

Could be wrong but thought infinia gave 33% so probably not unsustainable?

Besides, if they're swapping the 15% discount with 13.33% points (which one can redeem for only up to 70% of flight tickets cost) instead of allowing both (which everyone in this thread assumed), then this seems like a sneaky devaluation instead

33% on hotels, not on Airlines. Airlines you get 5X which is 16.67 returns. Please read my above comment.

 

[Abhi21]

I was excited at first but after checking more, this reevaluation isn't as it seems

Tried booking flights with the 15% discount, but the payment gateway blocked it and said the offer isn't valid

Turns out, the T&Cs say the 15% offer only runs till June 3, 2025

Pretty sure they're switching out the flat 15% discount for this new rewards (which is just 13.33% back), so this “update” seems like a devaluation instead

+ 1
They have added convenience fees now

 

[PrinceHeart]

+ 1
They have added convenience fees now

It was always there from the start.

Only thing i see now, the fees was 300 and now its 350.

Price Summary
Base Fare
1 ADT(s) ‎(1 X 4,400)
₹ 4,400

Taxes & Fees
₹ 1,432
Convenience Fee
(Inclusive of GST)
₹ 350
FLY15
- ₹ 875


Amount Payable
₹ 5,307

The T&Cs for the 15% discount is as follows:

1) Valid Credit Cards: Mayura, Ashva, Club Vistara & FIRST Private
2) Valid Debit Cards: FIRST Select, FIRST Wealth, FIRST Private
3) The minimum booking amount to avail this offer is Rs 5000
4) Maximum discount of Rs. 1500 on a single Domestic flight booking transaction
5) User can avail discount offers maximum twice a month on the travel (Tripstacc) platform

The offer works on my case. And I went till final page before i hit cancel.

 

[Rishabh]

I think Infinia still stands as No-Nonsense card with 5x on Flights & 10x on Hotels 😛 😛