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faayda.com › compare › YES RESERV vs HDFC Regalia Gold
Comparison · हिन्दी

YES RESERV vs HDFC Regalia Gold

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

Last updated: August 2026 · Based on current card terms
YES
RESERV
ASHOK KUMAR
VS
HDFC
REGALIA GOLD
ASHOK KUMAR
Our verdict
YES RESERV Credit Card wins for most people
Card A wins with ₹2,721 annual benefit versus Card B's ₹2,180. YES RESERV's higher online rewards (3%) and better redemption value (0.25 per point) outpace Regalia Gold's lower base rate despite similar annual fees.
Side-by-side comparison
YES RESERV Credit Card ✓ HDFC Regalia Gold Credit Card
Annual benefit ₹2,721 ₹2,180
Annual feeThe yearly fee a bank charges for holding the card, often waived if you spend enough in a year.Full definition → ₹2,499 + taxes (waived on ₹6,00,000/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 → 24 RP per ₹200 on online spends (3%); 12 RP per ₹200 on offline + select categories (1.5%); 1 RP = ₹0.25 (4:1 ratio) 5 reward points per ₹200 on all spends (1.625%); 5X on Nykaa, Myntra, Marks & Spencer, Reliance Digital
Lounge accessFree entry to airport lounges, usually limited to a set number of visits per quarter or year.Full definition → Domestic + international lounge access (spend-based from April 2025) 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 → 2% 2%
Best for Online-heavy spenders wanting premium travel perks and low forex at a 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 →
Apply now ↗ Full review →
When each card wins
YES RESERV Credit Card
Choose Card A if you spend heavily online for shopping and travel bookings. Its 3% online rewards and superior point value make it ideal for digital-first spenders maximizing returns on e-commerce purchases.
HDFC Regalia Gold Credit Card
Choose Card B if you prioritize shopping at specific luxury brands like Nykaa, Myntra, or Reliance Digital. The 5X rewards on these merchants and consistent lifestyle perks add value beyond cashback.
Who should get which card
Get YES RESERV if you…
· Online shopping accounts for significant monthly spending
· Want maximum cashback value from reward points (0.25 per point)
· Travel bookings are a regular expense
· Prefer higher earning rate on digital transactions
Get HDFC Regalia Gold if you…
· Regular Nykaa, Myntra, or Marks & Spencer shopper
· Value lifestyle and dining benefits equally with rewards
· Prefer simpler flat-rate rewards structure
· Need fee waiver with lower ₹4,00,000 annual spend threshold
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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Frequently asked questions
Based on our analysis, YES RESERV Credit Card offers better annual returns for most spend profiles.
YES RESERV Credit Card has an annual fee of ₹2,499 + taxes (waived on ₹6,00,000/year spend). HDFC Regalia Gold Credit Card has an annual fee of ₹2,500 + taxes (waived on ₹4,00,000/year spend).
YES RESERV Credit Card offers 24 RP per ₹200 on online spends (3%); 12 RP per ₹200 on offline + select categories (1.5%); 1 RP = ₹0.25 (4:1 ratio). HDFC Regalia Gold Credit Card offers 5 reward points per ₹200 on all spends (1.625%); 5X on Nykaa, Myntra, Marks & Spencer, Reliance Digital.
YES RESERV Credit Card lounge access: Domestic + international lounge access (spend-based from April 2025). HDFC Regalia Gold Credit Card lounge access: 12 domestic + 6 international visits/year (domestic spend-based from July 2026: ₹60,000/quarter).
YES RESERV Credit Card charges 2% forex markup. HDFC Regalia Gold Credit Card charges 2% forex markup.