Adani One Signature Credit Card vs Mayura Credit Card: Which Credit Card Wins in 2026?

Quick Verdict

• For everyday spend, the Mayura Credit Cardⓘ wins with a higher base reward rate of 1.5% compared to 1% on the Adani One Signature Credit Cardⓘ.
• For travel and airport lounge benefits, the Adani One Signature Credit Cardⓘ offers stronger perks including Priority Pass membership and premium lounge upgrades, making it the better travel companion.
• The [Adani One Signature Credit Card]ⓘ has a slightly lower annual fee at Rs 5,000 versus Rs 5,999 on the Mayura card, but requires a higher spend of Rs 2 lakh annually to waive fees.
• Choose the Adani One Signature cardⓘ if you prioritize premium travel benefits and can meet the higher fee waiver. Opt for the Mayura cardⓘ if you want a better base reward rate and lower forex markup for everyday spending and international use.

Side by Side

Rewards Compared

The Adani One Signature Credit Cardⓘ provides Rs 100 back per Rs 10,000 spent at the base rate of 1%. Its travel category rewards are significantly higher at 7%, yielding Rs 700 back per Rs 10,000 spent, while utilities spend fetches 3.5%, or Rs 350 per Rs 10,000. This means it heavily rewards travel-related expenses but offers limited upside outside specific categories.

In contrast, the Mayura Credit Cardⓘ offers a superior base reward rate of 1.5%, returning Rs 150 per Rs 10,000 spent regardless of category. Its category rewards for dining, travel, and online spend are all 3%, giving Rs 300 back per Rs 10,000 in those categories. This makes the Mayura cardⓘ more consistent across common spending types, although it lacks the exceptional travel category multiplier of the Adani cardⓘ.

Fees Compared

The Adani One Signature Credit Cardⓘ charges Rs 5,000 as both joining and annual fees, with a fee waiver available on spending Rs 2 lakh annually (about Rs 16,667 per month). Meanwhile, the Mayura Credit Cardⓘ charges Rs 5,999 for both joining and annual fees, with no stated waiver threshold.

From the head-to-head data, the Mayura cardⓘ commands an extra Rs 999 in fees but compensates with a higher base reward rate. The break-even incremental spend to justify this fee difference is about Rs 2 lakh. Thus, if you spend above Rs 4 lakh annually, the Mayura cardⓘ's better reward rate starts to offset the higher fees.

Which One Should You Pick

Pick the Adani One Signature Credit Cardⓘ if you are a travel enthusiast who values premium lounge access, Priority Pass membership, and generous travel rewards. The card’s hotel and flight vouchers add attractive welcome benefits, and its extensive travel perks including valet parking and porter services enhance the premium experience. However, be prepared for a higher fee waiver threshold of Rs 2 lakh yearly spend.

The Mayura Credit Cardⓘ suits those seeking a strong all-around rewards card with a higher base return on every rupee spent. Its lower forex markup of 1.5% and unlimited domestic lounge access make it attractive for frequent travelers and shoppers alike. It is also ideal if you prefer more flexible and consistent rewards across dining, travel, and online spends without chasing category bonuses.

The final call: if travel luxury and exclusive airport privileges are your priority and you can meet the spend requirements, choose the Adani One Signature Credit Cardⓘ. If you want a better everyday rewards rate with lower forex costs and simpler fee conditions, the Mayura Credit Cardⓘ is the smarter pick. Avoid the Adani cardⓘ if you cannot meet the Rs 2 lakh waiver spend or do not value lounges. Skip the Mayura cardⓘ if you primarily spend in travel categories and want premium lounges over a higher base earn rate.

What to Check Before You Apply

• Check if the fee waiver threshold suits your monthly spend pattern, especially Rs 16,667 monthly for the Adani cardⓘ.
• Understand the redemption process and value of points on each card to maximize your returns.
• Confirm the forex markup charges if you plan significant international spending; 3.5% on Adani versus 1.5% on Mayura can add up.
• Verify which airports and lounges accept the cards for domestic and international travel benefits, especially the limited international lounge access on Adani.

FAQ