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YES BANK RESERV Credit Card vs HDFC Bank Regalia Gold Credit Card

Compare YES BANK RESERV Credit Card and HDFC Bank Regalia Gold Credit Card on annual fee, rewards, fee waiver, lounge access, forex markup, best-fit use case and source evidence.

Maintained credit-card comparison

YES BANK RESERV Credit Card vs HDFC Bank Regalia Gold Credit Card

Compare exact issuer-backed terms and practical trade-offs without a universal winner badge.

Latest underlying reviewSeptember 11, 2026
YES BANKYES BANK RESERV Credit Card

Frequent online spenders and travelers who value a 1.75% forex markup and a materially larger lounge allowance than lower YES BANK tiers.

Annual fee
₹2,499 + applicable GST
Reviewed
September 9, 2026
Evidence
4 issuer sources
Open card research
HDFC BankHDFC Bank Regalia Gold Credit Card

Upper-mid-tier travelers who can use lounge access, milestone vouchers and travel-oriented reward redemptions.

Annual fee
₹2,500 + applicable taxes
Reviewed
September 11, 2026
Evidence
3 issuer sources
Open card research
No universal winnerFee, rewards, lounge and forex matter differently by use case.
Conditions stay visibleCaps, waivers, exclusions and qualification rules are not stripped out.
Evidence stays separateOne issuer's source set never validates the other card.
Keep an offline research copyPrint the full comparison or choose Save as PDF in your browser. All decision checkpoints are expanded for the print copy.

littleden.blog · Comparison research sheet

YES BANK RESERV Credit Card vs HDFC Bank Regalia Gold Credit Card

Prepared 14 Sep 2026 · Source page: https://littleden.blog/compare/yes-bank-reserv-credit-card-vs-hdfc-regalia-gold/

General product research only. Recheck the listed first-party sources before acting because product terms can change after the recorded review dates.

Decision checkpoints

Answer the questions that can actually change the choice.

Each checkpoint reproduces the recorded product fields instead of assigning a winner. Read the condition, scope and missing-data state before treating a difference as useful to you.

01Would the card still fit if you miss its fee waiver?Read the recurring fee and qualifying-spend rule together before counting rewards as value.

YES BANK RESERV Credit Card

Annual fee
₹2,499 + applicable GST
Fee waiver
Spend ₹40,000 within 30 days to waive first-year membership fee; spend ₹3 lakh in the anniversary year to waive the next renewal fee

HDFC Bank Regalia Gold Credit Card

Annual fee
₹2,500 + applicable taxes
Fee waiver
Renewal fee waived at ₹4 lakh spends in the anniversary year
02Do your actual purchases qualify for the rewards?Check the reward structure and the recorded cautions; a headline earning rate is not the return on every purchase.

YES BANK RESERV Credit Card

Reward rules
24 YES Rewardz Points per ₹200 on eligible online shopping, 12 per ₹200 on eligible offline shopping and 6 per ₹200 on select categories in the reviewed value chart

Recorded cautions

  • Domestic lounge access requires qualifying spend under current rules.
  • Reward-point value depends on redemption route and caps.
  • The ₹3 lakh renewal waiver should be evaluated against natural annual spend.

HDFC Bank Regalia Gold Credit Card

Reward rules
5 Reward Points per ₹200 on eligible spends under the current post-15-May-2026 structure; selected-brand acceleration and milestone vouchers remain subject to current issuer terms.

Recorded cautions

  • Domestic lounge access requires ₹60,000 eligible spend in the preceding calendar quarter after the new-card exemption window.
  • The 2% foreign-currency markup and the separate 1.75% DCC markup are different charging concepts under current HDFC terms.
  • Milestone vouchers only matter if the qualifying spend is natural; reward and partner rules can change.
03Which travel and approval conditions apply to you?Check lounge conditions, foreign-currency costs and issuer eligibility independently of reward value.

YES BANK RESERV Credit Card

Lounge conditions
3 complimentary domestic lounge visits per quarter and 6 international lounge visits per year in the reviewed value chart; domestic access is subject to current qualifying-spend rules
Forex costs
1.75% foreign-currency conversion charge
Eligibility
Subject to YES BANK underwriting, documentation and internal eligibility policy

HDFC Bank Regalia Gold Credit Card

Lounge conditions
3 complimentary domestic airport lounge visits per calendar quarter after ₹60,000 eligible spend in the preceding calendar quarter; up to 6 complimentary Priority Pass lounge visits per calendar year outside India.
Forex costs
2% foreign-currency markup
Eligibility
Subject to HDFC Bank approval; reviewed issuer page publishes income and age criteria that can change
Other maintained comparisons for YES BANK RESERV Credit CardOther maintained comparisons for HDFC Bank Regalia Gold Credit Card
Shared research themes
Premium Credit CardsRewards Credit CardsAirport Lounge Credit CardsTravel Credit CardsLow Forex Markup Credit Cards
Exact terms

Put the controlling card fields next to each other.

Full issuer-backed wording stays visible because a waiver condition, cap or qualification rule can matter more than the headline number.

On a small screen, scroll this table sideways. The factor column stays visible.

Table region. When the region itself has keyboard focus, use Left and Right arrows to scroll horizontally; Home and End move to the start or end.

Credit-card terms side by side for YES BANK RESERV Credit Card and HDFC Bank Regalia Gold Credit Card
Decision factorYES BANK RESERV Credit CardHDFC Bank Regalia Gold Credit Card
Joining fee₹2,499 + applicable GST₹2,500 + applicable taxes
Annual fee₹2,499 + applicable GST₹2,500 + applicable taxes
Fee waiverSpend ₹40,000 within 30 days to waive first-year membership fee; spend ₹3 lakh in the anniversary year to waive the next renewal feeRenewal fee waived at ₹4 lakh spends in the anniversary year
Rewards24 YES Rewardz Points per ₹200 on eligible online shopping, 12 per ₹200 on eligible offline shopping and 6 per ₹200 on select categories in the reviewed value chart5 Reward Points per ₹200 on eligible spends under the current post-15-May-2026 structure; selected-brand acceleration and milestone vouchers remain subject to current issuer terms.
Lounge3 complimentary domestic lounge visits per quarter and 6 international lounge visits per year in the reviewed value chart; domestic access is subject to current qualifying-spend rules3 complimentary domestic airport lounge visits per calendar quarter after ₹60,000 eligible spend in the preceding calendar quarter; up to 6 complimentary Priority Pass lounge visits per calendar year outside India.
Forex markup1.75% foreign-currency conversion charge2% foreign-currency markup
NetworkVisa / Mastercard premium variant as offeredVisa / Mastercard variant
Eligibility / approvalSubject to YES BANK underwriting, documentation and internal eligibility policySubject to HDFC Bank approval; reviewed issuer page publishes income and age criteria that can change
Wrong-fit risks

Know what can make either card unsuitable.

These cautions remain attached to the underlying card records instead of being converted into a score.

YES BANK

YES BANK RESERV Credit Card

  • Domestic lounge access requires qualifying spend under current rules.
  • Reward-point value depends on redemption route and caps.
  • The ₹3 lakh renewal waiver should be evaluated against natural annual spend.
HDFC Bank

HDFC Bank Regalia Gold Credit Card

  • Domestic lounge access requires ₹60,000 eligible spend in the preceding calendar quarter after the new-card exemption window.
  • The 2% foreign-currency markup and the separate 1.75% DCC markup are different charging concepts under current HDFC terms.
  • Milestone vouchers only matter if the qualifying spend is natural; reward and partner rules can change.
Decision tools

Model the parts of the comparison that depend on your own usage.

These tools are arithmetic aids only. They do not predict approval, issuer offers or future benefits.

Independent source state

Verify both cards from their own issuer evidence.

Each side keeps its own review date, source set and evidence state.

YES BANK

YES BANK RESERV Credit Card

4 issuer sources8/8 core fields confirmedReviewed September 9, 2026
Key Fact StatementReward / value termsLounge terms

Checked: Joining fee · Annual fee · Fee waiver · Rewards · Lounge · Forex · +2 more

Open primary issuer source ↗
Open primary issuer source ↗
HDFC Bank

HDFC Bank Regalia Gold Credit Card

3 issuer sources8/8 core fields confirmedReviewed September 11, 2026
Issuer product pageFee / charge scheduleIssuer document

Checked: Joining fee · Annual fee · Fee waiver · Rewards · Lounge · Forex · +2 more

Open primary issuer source ↗
Open primary issuer source ↗
MethodologyResearch statusMore card comparisons

First-party source appendix

These are the exact source URLs already attached to the two research records. Re-open the controlling documents before relying on a fee, rate, limit, eligibility rule or benefit.

YES BANK RESERV Credit Card

Reviewed September 9, 2026 · 4 attached first-party sources

  1. Key Fact Statementhttps://www.yesbank.in/content/published/api/v1.1/assets/CONT07A77C257C7A4BDD85DB97E51D2B5B8F/native/yesbank_key_fact_statement.pdf?channelToken=21f7ccfa2fc3401091938f541a6f8f2a&download=false
  2. Reward / value termshttps://www.yesbank.in/content/published/api/v1.1/assets/CONT4EAD59EF49CE4B8EADB3234B1D9AF541/native/yesbank_credit_card_reserv_value_chart_nov23.pdf?channelToken=21f7ccfa2fc3401091938f541a6f8f2a&download=false
  3. Lounge termshttps://www.yesbank.in/content/published/api/v1.1/assets/CONT23CDBE6F27E4444AA0A336DDB2885343/native/ybl_yes_bank_domestic_lounge_access.pdf?channelToken=21f7ccfa2fc3401091938f541a6f8f2a&download=false
  4. Fee / charge schedulehttps://www.yesbank.in/content/published/api/v1.1/assets/CONT5AA32E547C774006B79F54E05FE58F9E/native/ybl_soc.pdf?channelToken=21f7ccfa2fc3401091938f541a6f8f2a&download=false

HDFC Bank Regalia Gold Credit Card

Reviewed September 11, 2026 · 3 attached first-party sources

  1. Issuer product pagehttps://www.hdfc.bank.in/credit-cards/regalia-gold-credit-card
  2. Fee / charge schedulehttps://www.hdfc.bank.in/credit-cards/regalia-gold-credit-card/fees-and-charges
  3. Issuer documenthttps://www.hdfc.bank.in/content/dam/hdfcbankpws/in/en/pdf/common/Credit-Cards/Regalia-Gold-Product-feature-change.pdf