Platinum Reserve Credit Card
Rs 10,000Annual fee
Rs 10,00,000Fee waiver spend
12Domestic lounge
Domestic lounge conditions
- 12 complimentary visits in a year, limited to 3 visits per quarter.
- 2 complimentary Priority Pass lounge visits in a year.
- Priority Pass membership worth US$99 is complimentary on enrolment.
- Visits beyond the 2 complimentary visits are charged at prevailing rates, currently US$35 per person per visit.
3.5%Forex markup
Best for
Premium, Lounge, Golf, Monthly Vouchers, Hotel Benefits
Top rewards
Retail: 1 Membership Rewards Point / ₹50 spent on eligible categories; Partner Merchants: 3 Membership Rewards Points / ₹50 spent via Reward Multiplier on select brands
Mayura Credit Card
Rs 5,999Annual fee
16Domestic lounge
Domestic lounge conditions
- 4 complimentary domestic airport lounge visits per quarter (including 1 guest visit), subject to a minimum spend of ₹20,000 in the previous calendar month.
- 4 complimentary international airport lounge visits per quarter, subject to a minimum spend of ₹20,000 in the previous calendar month.
0%Forex markup
Best for
Metal Card, Zero Forex, Lounge, Golf, Premium
Top rewards
Dining, Travel, Online, International, Birthday, And Incremental Spends Above ₹20,000: 10 Reward Points per ₹150 spent; Other Retail Spends Up To ₹20,000: 5 Reward Points per ₹150 spent; Rent, Education, Wallet Load, And Government Spends: 3 Reward Points per ₹150 spent
| Feature | Platinum Reserve Credit Card | Mayura Credit Card |
|---|---|---|
| Issuer | American Express | IDFC FIRST Bank |
| Network | American Express | Visa |
| Joining fee | Rs 10,000 | Rs 5,999 |
| Annual fee | Rs 10,000 | Rs 5,999 |
| Fee waiver spend | Rs 10,00,000 | - |
| Reward type | Membership Rewards | Reward Points |
| Best for | Premium, Lounge, Golf, Monthly Vouchers, Hotel Benefits | Metal Card, Zero Forex, Lounge, Golf, Premium |
| Top reward categories | Retail: 1 Membership Rewards Point / ₹50 spent on eligible categories; Partner Merchants: 3 Membership Rewards Points / ₹50 spent via Reward Multiplier on select brands | Dining, Travel, Online, International, Birthday, And Incremental Spends Above ₹20,000: 10 Reward Points per ₹150 spent; Other Retail Spends Up To ₹20,000: 5 Reward Points per ₹150 spent; Rent, Education, Wallet Load, And Government Spends: 3 Reward Points per ₹150 spent |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | 12 | 16 |
| International lounge | 2 | 16 |
| Forex markup | 3.5% | 0% |
| Milestone benefits | ₹1,000 monthly voucher on spending ₹50,000 or more in a calendar month, redeemable across partner brands such as Tata CLiQ Luxury, BookMyShow, and MakeMyTrip, subject to enrolment | Earn 7,500 Reward Points on annual spending of ₹8 Lakh, Earn 15,000 Reward Points on annual spending of ₹15 Lakh |
| Redemption | Air miles: upto ₹ 0.5 per point; Statement credit: upto ₹ 0.25 per point | Statement credit: upto ₹ 0.25 per point |
| Key exclusions | insurance, utilities, cash transactions, EMI conversion at point of sale, excluded spends as per American Express terms | Fuel transactions, EMI transactions, Cash withdrawal / cash advance transactions |