What is your environment color in your scene? In the renders, it looks as if it was white or some other bright color. In the reference photo, it looks like the background is completely black (or almost black, compared to the light sources) - see the dark "halo" around the light reflection in the lower part of the jar in the photo reference.
It is also possible that the mustard in the reference photo has a much lower albedo than in your rendering. That would explain why it is much more "contrasty" in general.
Other than that, how do you know that the reference pic does not have some sort of post processing applied? :)