SwipeYield Review
A top-tier metal card offering unmatched travel insurance and global lounge benefits with zero international fees.
PremiumTravelMetalZero Forex
IDFC FIRST Mayura Credit Card
By IDFC FIRST Bank
4.7SwipeYield Rating
Joining Fee₹5,999 + GST
Annual Fee₹5,999 + GST
Fee Waiver:
No direct fee waiver, but milestone rewards of up to 15,000 pts help offset costs
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Reward TypeReward Points
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NetworkMastercard, Visa
Rewards
Base
~0.83% (5X points on spends up to ₹20,000; 1X = 1 pt/₹150)
Accelerated
10% on travel bookings via bank app; 1.66% (10X) on incremental monthly spends >₹20k
Lounge Access
4 domestic and 4 international visits per quarter (requires ₹20,000 monthly spend)
Pros
- Zero forex markup
- Metal card
- "Cancel For Any Reason" trip cancellation insurance
Cons
- High non-waivable annual fee
- Spend-based lounge and golf activation
Eligibility
- Age 21+
- High-income group
- Good credit score
- ₹20k monthly spend required for perks