YES First Preferred Credit Card vs HDFC Regalia Credit Card
Last Updated : April 3, 2025, 11:40 a.m.
Choosing the right premium credit card can significantly enhance your financial flexibility and lifestyle benefits. In this article, we'll compare two popular premium credit cards in India: the YES First Preferred Credit Card and the HDFC Regalia Credit Card , examining their features, benefits, and eligibility criteria to help you make an informed decision. Before applying for the credit card of your choice, check your CIBIL score online on Wishfin for free to see if you fulfil the lender’s criteria for credit score.
Comparison of YES First Preferred and HDFC Regalia Credit Card
Here in the table given below, you can spot all the differences between their features and benefits. You can choose a card that has more features and fits your expenses.
| Features | YES First Preferred Credit Card | HDFC Regalia Credit Card |
|---|---|---|
Joining Fee | Rs. 999 + taxes | Varies based on bank offers |
Annual Fee | Rs. 999 + taxes | Rs. 2,500 |
Annual fee waiver | Waived on spending INR 50,000 or more within 90 days of card set up. | The renewal fee is waived off on spending more than Rs. 3 lakhs during the previous year. |
Welcome benefits | Make the first transaction within 90 days of issuing the card and get 10,000 bonus reward points. | Get 2500 reward points |
Renewal Benefits | 7,500 extra reward points on renewal | None specified |
Reward Rate |
| 4 reward points per Rs. 150 spent on all retail spends |
Milestone Benefits | 20,000 bonus reward points on spends of Rs. 7.5 lakhs in a year. |
|
Airport Lounge Access |
|
|
Golf Benefits |
| NA |
Insurance Coverage |
|
|
Movie Benefits |
| Not specified |
Dining Benefits | Discounts at select restaurants | Exclusive complimentary Dineout Passport membership offering. 25% off at over 2,000 partner restaurants.
|
Fuel Benefits | Fuel surcharge waiver on transactions between Rs. 400 to Rs. 5,000 | 1% fuel surcharge waiver at all fuel stations across India. |
Foreign Currency Markup | 1.75% | 2% |
Eligibility (Income) |
|
|
Age Eligibility | 21 to 60 years | Salaried: 21-60 years Self-employed: 21 to 65 years |
Key Differences
- Reward Structure: YES First Preferred gives 8 points on each Rs. 200 spent (This is equal to a reward rate of 4%), while HDFC Regalia gives 4 points per Rs. 150 (equivalent to 2.67% reward rate).
- Lounge Access: HDFC Regalia offers more comprehensive lounge access with 12 domestic visits per year compared to YES First Preferred's 8 visits (2 per quarter). Both offer priority passes for international lounges.
- Milestone Benefits: YES First Preferred offers 20,000 bonus points at Rs. 7.5 lakhs annual spend, while HDFC Regalia offers a tiered structure with 10,000 points at Rs. 5 lakh spends and additional 5,000 points at Rs. 8 lakh spends in an anniversary year.
- Unique Features: YES First Preferred offers more golf benefits, while HDFC Regalia excels in dining benefits with Zomato Gold membership and extensive restaurant discounts.
- Eligibility: YES First Preferred has higher income requirements (Rs. 2 lakh monthly for salaried) compared to HDFC Regalia (Rs. 1 lakh monthly for salaried).
Which Card to Choose?
Choose YES First Preferred if you:
- Want higher reward points on regular spending
- Value golf benefits
- Have higher income to meet eligibility criteria
- Want attractive welcome and renewal bonus points.
Choose HDFC Regalia if you:
- Travel frequently and value more domestic lounge access
- Dine out often and would benefit from restaurant discounts
- Want more comprehensive milestone benefits at lower spending thresholds.
Conclusion
Both the YES First Preferred and HDFC Regalia credit cards offer premium benefits for different lifestyle needs. The YES First Preferred card provides higher reward rates and golf benefits, making it suitable for golf enthusiasts and those who value higher rewards on regular spending. The HDFC Regalia card offers more extensive travel and dining benefits, making it ideal for frequent travelers and food enthusiasts. Your choice should ultimately depend on your spending habits, lifestyle preferences, and which benefits align more closely with your needs. Consider your income eligibility and annual spending potential to maximize the benefits from either card.
Note: Yes Bank has discontinued the YES First Preferred Credit Card and hence is not issuing it to new customers. However, existing cardholders will continue to receive a new card upon its expiry.
Frequently Asked Questions (FAQs)
