Took this card when it was launched, paid the annoying fees mainly for the metal feel, design and Zero Forex and guess what, it didn't turned out to be worth even a single penny. They suddenly introduced minimum spend criteria for lounges (like seriously?) and then I was also charged GST on Forex transactions along with the network fees, etc. I found Scapia to be more worth it than this so called most premium IDFC Credit Card. They should seriously learn from other banks around the corner. RIP IDFC Mayura.