HDFC Regalia First Credit Card vs YES Prosperity Cashback Credit Card

Joining Fees

₹1,000

₹999

Editor's Rating

4.1

5

Key Features

  • You will receive Welcome Benefit of 1000 Reward Points and renewal benefit of 1000 Reward Points when the membership fee is realized
    In 12 Months, spend Rs. 1,00,000 and get Renewal Fee waived for next renewal year
    Accidental air death cover worth Rs. 50 lakhs
    Emergency overseas hospitalization up to Rs. 10 lakhs
    Credit Liability cover of up to Rs 5,00,000 1% fuel surcharge waiver at fuel stations in India on transactions between Rs.400 and Rs.5000
    Earn 5,000 Reward Points on annual spends of Rs. 3,00,000 or more in each anniversary year
    Avail up to 5% cashback on travel and shopping spends on SmartBuy
    Earn more 2,500 Reward Points on annual spends of Rs. 6,00,000 or more in each anniversary year
    Enjoy the experience of the Good Food Trail dining program at premium restaurants in top cities

    Rewards Rate:
    * 4 reward points on Rs. 150, on all retail spends such as Insurance, Utilities, Education, and RentPay
  • 5% Cashback on Movie Ticket bookings, Grocery Shopping, 0.50% Cashback on all Other retails spends, & 5% Cashback on Bill Payments
  • Avail great offers across travel, dining, shopping, wellness and more, in select cities
  • Instant EMI
  • Earn rewards points on your transactions that are converted into EMIs

Editor's Review

Pros
* Enjoy exclusive dining privileges with a 15% discount at partner restaurants
* Avail 4 Reward Points for every Rs. 150 spent

Cons
* No complimentary offers for movie tickets
* No travel benefits in the form of lounge access and there are no air miles or co-branded benefits provided

Pros

  • Preferential Foreign Currency Markup of 3.40% only
  • 1% Fuel surcharge waiver at all fuel stations across India for transaction between Rs. 400 to Rs. 5,000
  • Get exciting offers on your YES BANK Credit Cards while shopping, dining, Travel and more YES PRIVILEGES

Cons

  • No complimentary Airport Lounge access
  • No Golf/coaching sessions
  • High-interest rate


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