IDFC FIRST Mayura Review: The Most Beautiful Card in India?

The Art of Banking

Most credit cards look like plastic billboards. The IDFC FIRST Mayura is different. It features a stunning peacock design etched onto a metal core. It is, without a doubt, the best-looking card in the Indian market today.

But beauty isn't enough. Does it justify the ₹5,999 + GST fee? Let's break it down.

Benefit 1: Zero Forex Markup (The Traveler's Best Friend)

Like its younger sibling (IDFC Wealth), the Mayura offers 0% Forex Markup on all international transactions.

If you travel abroad and spend ₹2 Lakhs:
- Standard Card (3.5% fee): You pay ₹7,000 extra.
- IDFC Mayura: You pay ₹0 extra.

This saving alone can recover the annual fee if you are a frequent traveler. Plus, you get rewards on these spends.

Benefit 2: Reward Structure (10X Power)

IDFC has a unique "10X" reward system.

• Spends > ₹20,000/month: You earn 10X Reward Points (Effective 2.5% Return).
• Birthday Spends: 10X Reward Points.
• Online Spends: 6X Points (1.5% Return).
• Offline Spends: 3X Points (0.75% Return).

The Catch: The base rate for offline spend is low. This card punishes you for low spending. You MUST cross ₹20,000 monthly spend to unlock real value.

Benefit 3: Lounge & Movies

• Lounge: 4 Domestic & 4 International visits per quarter (Total 16/year).
  Note: Requires ₹20,000 monthly spend to unlock.
• Movies: Buy 1 Get 1 Free on BookMyShow (Up to ₹500 discount) twice a month.

The movie benefit is actually better than many verified premium cards like HDFC Regalia.

Benefit 4: Complimentary Golf & Spa

For the lifestyle users, Mayura offers:

• 4 Complimentary Golf Rounds per year.
• 4 Complimentary Golf Lessons per year.
• Airport Spa access (via Dreamfolks) - subject to availability and changes.

Comparison: Mayura vs Magnus vs Infinia

Feature	IDFC Mayura	Axis Magnus	HDFC Infinia
Fee	₹5,999	₹12,500	₹12,500
Forex	0%	2.0%	2.0%
Reward Rate	1.5% - 2.5%	~4.8%	3.3%
Design	Metal (Peacock)	Metal	Metal

Verdict: Is it worth ₹5,999?

Yes, if you value aesthetics and 0% Forex.
It sits in a unique spot between the "Premium" (Regalia/Atlas) and "Super Premium" (Infinia/Magnus) segments.

If you miss the criteria for Infinia/Magnus, the Mayura is a fantastic upgrade. It feels premium, works globally for free, and offers solid movie perks.