YES Prosperity Edge Credit Card vs HDFC Regalia Credit Card

Joining Fees

₹1,199

₹2,500

Editor's Rating

3.5

4

Key Features

  • 500 Reward Points on each YES PayNow registration
  • 4 Reward Points for every Rs. 200 on all other Retails Spends 
  • Avail great offers across travel, dining, shopping, wellness and more, in select cities
  • Domestic Lounge access (limited to 2 visits per quarter) for Primary Cardmembers across 30+ Lounges in India
  • 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). Choose up to 2 complimentary lounge access vouchers as your Quarterly Milestone Benefit
  • 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: 3.5% 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
  • Get 10,000 Reward Points on annual spends of Rs. 5 lakhs
  • Get additional 5,000 Reward Points on annual spends of Rs. 8 lakhs

Editor's Review

Pros

  • Accelerated Rewards on Supermarkets and Grocery Stores, Department Stores and Dining spends
  • Get 15,000 Bonus Reward Points on achieving spends of Rs. 6 Lakhs or more in each anniversary year
  • There’s a Dedicated Website for Flight/Hotel/Movie Ticket Bookings with Exclusive Catalogue of Products

Cons

  • High-interest rates
  • Complimentary Priority Pass Membership for Primary Cardmember only. All visits will be charged US $27+GST per person per 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


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