Yes Bank First Reserv Credit Card vs HDFC Regalia Credit Card
Joining Fees
₹1,999
₹2,500
Editor's Rating
3.9
4
Key Features
- Earn 8000 bonus Reward Points if renewal fee is charged (This is applicable second year onwards)
- Get up to 1.75% markup on foreign currency
- For 6 months for mobile and electronic purchased online, get insurance cover of up to Rs. 50,000 against accidental damage
- Enjoy 4 green fee waiver per year- Get 1 Golf lesson per year at select golf courses in India
- Credit Shield cover of 15 Lakh
- Lost Card liability 15 Lakh to 30 Lakh
- 1% fuel surcharge waiver between Rs 400 and Rs 5000
- Access to airport lounges internationally for Mastercard and Visa cards: Get 6 complimentary International Airport lounge visits per calendar year
- 3 complimentary domestic airport lounge visits per quarter
- Get 5 times the benefits of YES Rewardz Points on Travel, Dining, Fashion and Healthcare categories
- Get 3 times the regular benefits of YES Rewardz Points for online dining or online grocery and apparel or other retail spends
- Avail 24 YES Rewardz Points on every Rs. 200 for online shopping
- Avail 12 YES Rewardz Points on every Rs. 200 for offline shopping
- Avail 6 YES Rewardz Points on every Rs. 200 on select categories
- Air Miles: Get 10 YES Rewardz Points= 1 InterMile / 1 Club Vistara Point
- Instant EMI: Pay in parts for transactions as low as Rs. 1500
- Post Purchase EMI: Convert payments into EMI with on-call service at attractive interest rates
- Quick Loan: Avail a loan amount within the card limit to fullfil immediate fund requirements
- Contactless Transactions
- Complimentary Airport Lounge Access within India: Lounge access program will now be based on the credit card spends. Spend Rs. 1 Lakh or more in a calendar quarter (Jan-Mar | Apr-Jun |Jul-Sept | Oct-Dec) 2. Choose up to 2 complimentary lounge access vouchers as your Quarterly Milestone Benefit via SmartBuy
- International Lounge access using priority pass is not based on spends: Cardholders can apply for Priority Pass once they complete minimum 4 retail transactions on the card. Do note that Rupay cards are not eligible for priority pass. Using Priority Pass, avail up to 6 Complimentary Lounge Access per calendar year, outside India
- 1% fuel surcharge waiver at all fuel stations across India on transactions between Rs. 400 and Rs. 5000
- Enjoy dining benefits with the Good Food Trail program: Get up to 7.5% savings on all restaurant bill payments via Swiggy Dineout (20k+ restaurants). This offer is inclusive of Restaurant and Swiggy Discount, and valid only on payments done via the Swiggy App
- Zero Lost card liability
- Foreign Currency Markup: 2% on all foreign currency spends
- Get Revolving Credit at nominal interest rate
- 24/7 Concierge Services
- Milestone Benefit: Avail 10,000 Reward Points when achieving annual spends of Rs. 5 lakhs and additional 5,000 Reward Points when achieving annual spends of Rs. 8 lakhs in an anniversary year
- Spend Rs. 3L in 12 Months and get Renewal Fee waived for next renewal year
- Convert big spends into EMI after purchase
- Accidental air death cover worth Rs. 1 Crore
- Emergency overseas hospitalization up to Rs. 15 lakhs
- Lost Card Liability Cover : Up to Rs 9 lakhs
- On retail spends including Insurance, earn 4 reward points on Rs. 150
Editor's Review
Pros
- For 6 months for mobile and electronic purchased online, get insurance cover of up to Rs. 50,000 against accidental damage
- Enjoy 4 green fee waiver per year- Get 1 Golf lesson per year at select golf courses in India
- Get up to 1.75% markup on foreign currency
Cons
- No railway lounge access
- No cashback offers
- Post exhaustion of the complimentary lounge access quota, applicable charges plus taxes will apply on airport lounge access for cardmember(s) and for each guest visit
Pros
- Earn 10,000 Reward Points when achieving annual spends of Rs. 5 lakhs.
- Accidental air death cover worth Rs. 1 Crore
- Fuel Surcharge Waiver
Cons
- Slightly high Annual Fee
- No golf/coaching sessions
