Which is better: YES FIRST Preferred Credit Card or HDFC Regalia Gold Credit Card?

Based on our analysis, HDFC Regalia Gold Credit Card offers better annual returns for most spend profiles.

Which card has a better reward rate: YES FIRST Preferred Credit Card or HDFC Regalia Gold Credit Card?

YES FIRST Preferred Credit Card offers 8 reward points per ₹200 (about 1% at ₹0.25 a point) on most spends; 4 points per ₹200 (about 0.5%) on select categories such as groceries, utilities, taxis and buses; utility points capped at 300 a statement cycle. HDFC Regalia Gold Credit Card offers 5 reward points per ₹200 on most spends (about 1.625% at ₹0.65 a point on the Gold catalogue); 5X on Nykaa, Myntra, Marks & Spencer and Reliance Digital; no points on fuel; grocery points capped at 2,000 a month.

Does YES FIRST Preferred Credit Card or HDFC Regalia Gold Credit Card offer better lounge access?

YES FIRST Preferred Credit Card lounge access: 2 domestic visits/quarter (8/year) via MasterCard; 4 international visits/year via Priority Pass. HDFC Regalia Gold Credit Card lounge access: 12 domestic + 6 international visits/year (domestic spend-based from July 2026: ₹60,000/quarter).

What is the forex markup on YES FIRST Preferred Credit Card vs HDFC Regalia Gold Credit Card?

YES FIRST Preferred Credit Card charges 3.5% forex markup. HDFC Regalia Gold Credit Card charges 2% forex markup.

Comparison · हिन्दी

YES FIRST Preferred vs HDFC Regalia Gold

Q: What is the annual fee of YES FIRST Preferred Credit Card vs HDFC Regalia Gold Credit Card?

YES FIRST Preferred Credit Card has an annual fee of ₹999 + taxes (first-year fee waived on ₹50,000 spend in 3 months; renewal waived on ₹2,50,000/year spend). HDFC Regalia Gold Credit Card has an annual fee of ₹2,500 + taxes (waived on ₹4,00,000/year spend).

Both cards compared on real rupee returns for best mid-premium credit card India YES Bank vs HDFC. We ran the numbers so you can make the right call.

Updated October 2026 · Terms checked by Prashant Parikh

YES

FIRST PREFERRE

ASHOK KUMAR

VS

HDFC

REGALIA GOLD

ASHOK KUMAR

Our verdict

HDFC Regalia Gold Credit Card wins for most people

HDFC Regalia Gold wins with ₹2,180 annual benefit versus YES FIRST Preferred's ₹1,521, despite higher fees. The Gold card's superior reward rate and lifestyle perks outweigh its ₹2,500 annual fee for this spend profile.

Side-by-side comparison

YES FIRST Preferred Credit Card HDFC Regalia Gold Credit Card ✓

Annual benefit ₹1,521 ₹2,180

Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹999 + taxes (first-year fee waived on ₹50,000 spend in 3 months; renewal waived on ₹2,50,000/year spend) ₹2,500 + taxes (waived on ₹4,00,000/year spend)

Reward rateCashback pays you directly in rupees; reward points need converting first, and their real value depends on the redemption ratio.Full definition → 8 reward points per ₹200 (about 1% at ₹0.25 a point) on most spends; 4 points per ₹200 (about 0.5%) on select categories such as groceries, utilities, taxis and buses; utility points capped at 300 a statement cycle 5 reward points per ₹200 on most spends (about 1.625% at ₹0.65 a point on the Gold catalogue); 5X on Nykaa, Myntra, Marks & Spencer and Reliance Digital; no points on fuel; grocery points capped at 2,000 a month

Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → 2 domestic visits/quarter (8/year) via MasterCard; 4 international visits/year via Priority Pass 12 domestic + 6 international visits/year (domestic spend-based from July 2026: ₹60,000/quarter)

Forex markupThe extra fee your bank adds on top of the real exchange rate for any spend in a foreign currency.Full definition → 3.5% 2%

Best for Premium lifestyle card with domestic and international lounge access, golf and movie benefits at mid-range fee All-round premium card with travel perks and lifestyle rewards

Min. incomeThe minimum income, credit score, and other conditions a bank requires before approving your application.Full definition → ₹4L+/year ₹1L/month (salaried)

Credit scoreYour 3-digit credit score (300-900), higher scores make approval easier and can unlock better cards.Full definition → 750+ 750+

Apply now ↗ Full review →

When each card wins

YES FIRST Preferred Credit Card

YES FIRST Preferred suits those prioritizing lounge access and golf benefits over raw cashback value. Choose it if you value premium lifestyle perks and can easily achieve the ₹2,50,000 annual spend waiver.

HDFC Regalia Gold Credit Card

HDFC Regalia Gold excels for shoppers seeking maximum value across dining, shopping, and travel. Pick it if you shop frequently at partner retailers like Nykaa or Myntra, and can justify the higher annual fee.

Who should get which card

Get YES FIRST Preferred if you…

· Domestic and international lounge access is your priority

· You value golf and movie benefits highly

· You can meet the ₹2,50,000 annual spend easily

Get HDFC Regalia Gold if you…

· Shopping at Nykaa, Myntra, or Reliance Digital regularly

· Need maximum rewards on dining and travel spends

· Can meet the ₹4,00,000 annual spend for fee waiver

Partner offer

IDFC FIRST Ashva Credit Card

Frequent travellers who book hotels and flights through the IDFC FIRST Bank app specifically, where the real redemption value is highest; weak for everyday spending outside the app

Apply now →

IDFC

ASHOK KUMAR

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