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Planning a big trip? Expand your budget with credit card rewards

Key Takeaways

Travel expenses are rising, but smart redemption strategies can significantly reduce out-of-pocket costs.
The IDFC FIRST Bank Mayura Credit Card offers ₹0.50/point on travel redemptions - double the standard rate.
Everyday spending on the Mayura Credit Card contributes to meaningful travel rewards through flexible bonus structures.
With generous redemption caps, never-expiring points, and seamless app-based booking, managing travel savings becomes easier than ever.

04 Nov 2025 by Team FinFIRST

How to Turn Credit Card Rewards Into Real Travel Perks

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It’s no secret that travel is getting more expensive. Flights, hotels, and even short weekend getaways can eat into your budget quickly. For many, travel has inevitably shifted from a spontaneous escape to a carefully calculated splurge - all thanks to rising travel expenses.

The Mayura Credit Card from IDFC FIRST Bank answers that challenge with a smarter way to spend and redeem. It offers one of the highest redemption rates on travel, helping bring down travel expenses when it matters most.

Here are five reasons why this card has become a favourite among smart travellers looking to save more on every trip.

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Reason #1: Travel redemptions give higher value over other options

Not all redemptions offer the same value, and this is where smart decisions pay off. While most credit cards offer flat or low-value redemptions across categories, the Mayura Credit Card sets itself apart with travel expenses.

1. Higher value where it matters

The Mayura Credit Card offers ₹0.50 per reward point when you redeem for flights and hotels, significantly more than what many cards provide across the board.

2. Compared to the typical burn rate

Most credit cards offer just ₹0.25 per point on vouchers or merchandise, giving you less for the same effort.

3. Same spend, a greater return

With the Mayura Credit Card, every point earned can stretch your travel budget further, especially if you prioritise travel redemptions.

4. Smart travellers know where the value lies

By redeeming at the highest possible rate, they reduce their travel cost without changing how much they spend.

How burn rate affects real savings:

Feature	Mayura Credit Card (Travel redemption)
Spend amount	₹1,20,000
Points earned (5X on spends till ₹20k in a cycle, 10X on incremental spends after ₹20k)	7,333
Travel redemption rate	₹0.50 per point
Total value of points (on flight/hotel bookings via the IDFC FIRST Bank Mobile Banking App)	₹3,666
Effective savings	₹3,666 off travel cost

1X = 1 Reward Point per ₹150 spent

This is exactly why smart travellers pay attention to redemption value. With a better burn rate on trips, the Mayura Credit Card helps you turn points into real reductions on travel expenses.

Reason #2: Bonus points make every booking more rewarding

Earning reward points is great, but earning extra points for the same action? Even better. The Mayura Credit Card makes cutting travel expenses possible every time you book your trip.

1. 30X bonus points on flight bookings

Book flights via the IDFC FIRST Bank Mobile Banking App and enjoy a huge earning boost.

2. 50X bonus points on hotel bookings

You can also make your hotel reservations via the IDFC FIRST Bank Mobile Banking App to enjoy a huge earning boost.

3. Earn as many as 25,000 bonus reward points every month

This helps you pool reward points even faster.

4. Combine with the base earn rate

If you’ve crossed ₹20,000 in monthly spending, these bonus points stack with the 10X base rate - giving you up to 60 points/₹150 you spend with your Mayura Credit Card.

5. No hoops, no hassle

Just book through the app - points are credited automatically after check-in.

This bonus structure turns each booking into a springboard for future getaways. It’s how smart use of credit card rewards creates long-term travel savings.

Reason #3: Redeem more, pay less: How part of your trip can be covered

Most cards let you redeem points, but few make it this easy - or this rewarding. The Mayura Credit Card gives you flexibility and value when it comes to covering your travel expenses.

1. Use points to cover your booking

When you’ve built up enough reward points, you can use them to pay for most of your flight or hotel costs when booking via the IDFC FIRST Bank Mobile Banking App.

2. Pay the remaining amount via the Mayura Credit Card

For instance, in our earlier example, we saw how spending ₹1.2 lakh in a month earns you 7,334 points. These are worth ₹3,667 in travel bookings via the app.

3. The monthly redemption cap keeps it travel-focused

You can redeem up to 1.5 lakh points (worth ₹75,000) per month, ideal for big-ticket trips or frequent flyers.

4. Generous yearly limit for planned redemptions

You’re allowed to redeem up to 3 lakh points (worth ₹1,50,000) per year - a standout figure for this segment.

This smart split makes it easier to manage large travel expenses while keeping your out-of-pocket spending to a minimum without missing out on card rewards or flexibility.

Reason #4: Everyday spending fuels your next getaway

Travel savings don’t always start with a plane ticket; they start with your everyday purchases. With the Mayura Credit Card, even routine expenses can quietly build your rewards for your future travel expenses.

1. Earn 10X points on high-value spends

Once your monthly spending crosses ₹20,000, you unlock 10X reward points for the rest of the cycle.

2. Still, earn 5X below that

Even before you reach ₹20,000, all eligible spending earns 5X rewards.

3. Get rewarded for essential payments

Spend on rent, education, government fees, and wallet loads? You earn 3X points on those, too.

4. Don’t forget bills

Insurance premiums and utility payments still earn 1X - nothing goes unrewarded.

5. Earned on every ₹150 spent

Stepping out for groceries? Each swipe contributes to your credit card rewards balance.

This is why smart travellers don’t wait for bonus offers; they cut travel expenses with the things they already spend on every single month.

Reason #5: Travel redemptions offer unmatched flexibility

One of the most underrated aspects of reward programs is how easy - or difficult - they are to use. The Mayura Credit Card keeps it simple and adaptable, helping you manage travel expenses no matter your style.

1. Redeem points for any destination

Domestic or international, there are no blackout restrictions on eligible bookings.

2. Choose your travel style

Use points on budget-friendly trips or luxury escapes - your redemption power stays the same.

3. Partial or full

Don’t wait to stockpile points - redeem what you can when you can.

4. Manage everything from the app

Book, pay, and redeem seamlessly via the IDFC FIRST Bank Mobile Banking App.

5. Fair refund logic

Cancellations? Points and card amounts are refunded proportionately.

This flexibility makes your savings feel real and reliable, helping you lower travel expenses on your terms without jumping through hoops.

Smarter travel savings with the Mayura Credit Card

The Mayura Credit Card from IDFC FIRST Bank is designed to turn every journey into greater value. With ₹0.50 per reward point on travel redemptions, up to 60 points on every ₹150 spent on bookings, and generous redemption limits, you can travel more while spending less.

When you opt for the Mayura Credit Card, you also enjoy the full suite of IDFC FIRST Bank Credit Card benefits, including:

Up to 10X reward points that never expire and can be redeemed instantly.
100% digital onboarding with quick approval and card issuance.
Tailored card options to match your lifestyle and spending habits.
Lifestyle perks like movie ticket discounts and complimentary airport lounge access.
Enjoy global interest-free ATM cash withdrawals — whenever, wherever. With your metal credit card, there's no need to plan your cash in advance. Simply walk into any international ATM, withdraw local currency on the go, and move through your travels with unmatched ease and confidence
Easy EMI conversion for stress-free repayments.
Seamless money management through the IDFC FIRST Bank Mobile Banking App.
The trust of IDFC FIRST Bank, ranked among the World’s Best Banks 2025 by Forbes and Statista.

Start your journey towards smarter, more rewarding travel today. Apply online for the Mayura Credit Card from IDFC FIRST Bank and convert your everyday spending into unforgettable travel experiences.

Frequently Asked Questions

Can I use reward points and card payments together for travel bookings?

Yes, you can. The Mayura Credit Card lets you redeem reward points to pay for up to 70% of your flight or hotel booking through the IDFC FIRST Bank Mobile Banking App. The remaining must be paid using your Mayura Credit Card.

Do Mayura Credit Card reward points expire?

No, Mayura Credit Card reward points do not expire, allowing you to save up and redeem them at your convenience - especially useful for big-ticket travel bookings.

Are reward points transferable to other cards or programs?

No, reward points earned on your Mayura Credit Card are non-transferable. They can only be redeemed through the IDFC FIRST Bank Mobile Banking App, specifically under the “Travel & Shop” section for the highest value.

Disclaimer

The contents of this article/infographic/picture/video are meant solely for information purposes. The contents are generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. The information is subject to updation, completion, revision, verification and amendment and the same may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject IDFC FIRST Bank or its affiliates to any licensing or registration requirements. IDFC FIRST Bank shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.

The features, benefits and offers mentioned in the article are applicable as on the day of publication of this blog and is subject to change without notice. The contents herein are also subject to other product specific terms and conditions and any third party terms and conditions, as applicable. Please refer our website www.idfcfirst.bank.in for latest updates.