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
RESERV Credit Card
Rs 2,499Annual fee
Rs 3,00,000Fee waiver spend
12Domestic lounge
Domestic lounge conditions
- 3 complimentary domestic lounge visits per quarter for primary cardmember
- Domestic lounge access is subject to a spend threshold of ₹1,00,000 in the previous calendar quarter.
- 6 complimentary international lounge visits in 12 months for primary and add-on cardmembers
1.75%Forex markup
Best for
Premium, Travel, Lounge, Movies, Golf
Top rewards
Online Spends: 24 YES Rewardz Points / ₹200 spent; Other Retail Spends: 12 YES Rewardz Points / ₹200 spent; Select Categories (utilities, Insurance, Education, Telecom): 6 YES Rewardz Points / ₹200 spent
| Feature | Mayura Credit Card | RESERV Credit Card |
|---|---|---|
| Issuer | IDFC FIRST Bank | YES Bank |
| Network | Visa | Mastercard, Visa, RuPay |
| Joining fee | Rs 5,999 | Rs 2,499 |
| Annual fee | Rs 5,999 | Rs 2,499 |
| Fee waiver spend | - | Rs 3,00,000 |
| Reward type | Reward Points | YES Rewardz Points |
| Best for | Metal Card, Zero Forex, Lounge, Golf, Premium | Premium, Travel, Lounge, Movies, Golf |
| Top reward categories | 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 | Online Spends: 24 YES Rewardz Points / ₹200 spent; Other Retail Spends: 12 YES Rewardz Points / ₹200 spent; Select Categories (utilities, Insurance, Education, Telecom): 6 YES Rewardz Points / ₹200 spent |
| SmartBuy / accelerated caps | Not Listed | Not Listed |
| Domestic lounge | 16 | 12 |
| International lounge | 16 | 6 |
| Forex markup | 0% | 1.75% |
| Milestone benefits | Earn 7,500 Reward Points on annual spending of ₹8 Lakh, Earn 15,000 Reward Points on annual spending of ₹15 Lakh | Not Listed |
| Redemption | Statement credit: upto ₹ 0.25 per point | Air miles: upto ₹ 0.1 per point; Statement credit: upto ₹ 0.25 per point |
| Key exclusions | Fuel transactions, EMI transactions, Cash withdrawal / cash advance transactions | Fuel transactions, Rental payments, Wallet loading transactions, Cash withdrawal / cash advance transactions, EMI transactions (including post-purchase and instant EMI) |