HDFC Bank Regalia First Credit Card Visa vs Yes Bank Select Credit Card: Which is Better in 2026?
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HDFC Bank Regalia First Credit Card Visa and Yes Bank Select Credit Card offer distinct benefits catering to different user preferences. Regalia First focuses on higher reward points for specific spends and milestone bonuses, while Yes Bank Select provides more versatile reward points with special emphasis on online and offline shopping. Both cards have similar renewal fee waiver conditions but differ in forex charges and lounge access.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
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| Feature | HDFC Bank Regalia First Credit Card Visa | Yes Bank Select Credit Card |
|---|---|---|
| Bank | HDFC Bank | Yes Bank |
| Network | Visa | MasterCard |
| Joining fee | Joining Fee of Rs.1000 | Joining Fee of Rs.499 |
| Annual / renewal fee | Renewal Fee of Rs.1000 | Renewal Fee of Rs.499 |
| Annual fee waiver | Spend Rs.1 Lakh For Renewal Fee Waiver | Spend Rs.10000 For Joining Fee Waiver |
| Reward rate (headline) | Earn 3 Rewards Points For Every Rs.200 on Insurance | 8 Reward Points on Every Rs.200 For Online Shopping |
| Lounge — domestic | — | 1 Complimentary Airport Lounge Access Per Quarter |
| Welcome benefit | Welcome Benefit - Rs.1000 Reward Points | — |
| Milestone benefit | Earn 7500 Reward Points on Spend of Rs.6 Lakhs; 5000 Bonus RP on Rs.9 Lakh Spends Per Anniversary Year | — |
| Foreign currency markup | 3.50% - Foreign Currency Transactions | 2.75% - Foreign Currency Transactions |
Which is better for rewards?
The HDFC Bank Regalia First Credit Card Visa offers a higher base reward rate of 3 points per Rs.200 on categories like insurance, utilities, and education, along with milestone bonuses that can significantly boost rewards for high spenders. In contrast, the Yes Bank Select Credit Card provides 2 reward points per Rs.200 generally, but offers enhanced points for online (8 points) and offline shopping (4 points), making it more attractive for regular retail spenders. Overall, Regalia First is better for focused category rewards and milestone benefits, while Yes Bank Select suits users who prioritize shopping rewards.
Which is better for travel?
Yes Bank Select Credit Card includes one complimentary domestic airport lounge access per quarter, which adds value for frequent domestic travelers. HDFC Bank Regalia First does not mention any lounge access benefits. Both cards offer reward redemption options for travel, but Yes Bank Select also supports redemption for Intermiles and Vistara CV points, potentially appealing to frequent flyers. Therefore, Yes Bank Select has a slight edge for travel-related benefits.
Which has lower effective cost?
Yes Bank Select Credit Card has a lower joining and renewal fee of Rs.499 compared to Rs.1000 for HDFC Bank Regalia First. Both cards waive the renewal fee upon spending Rs.1 lakh annually. However, the forex markup charge is higher on Regalia First at 3.50% versus 2.75% on Yes Bank Select, making the latter more cost-effective for foreign currency transactions. Overall, Yes Bank Select is more economical in terms of fees and forex charges.
Forex Charges
Yes Bank Select Credit Card charges a lower forex markup fee of 2.75% compared to 3.50% on HDFC Bank Regalia First, making it more suitable for users who often transact in foreign currencies.
Lounge Access
Yes Bank Select provides 1 complimentary domestic airport lounge access per quarter, whereas HDFC Bank Regalia First does not offer any lounge access benefits.
Milestone Rewards
HDFC Bank Regalia First offers milestone rewards of 7,500 points on Rs.6 lakh spend and 5,000 bonus points on Rs.9 lakh spend annually, which can significantly boost rewards for high spenders. Yes Bank Select does not offer milestone benefits.
Who should pick HDFC Bank Regalia First Credit Card Visa?
Consider HDFC Bank Regalia First Credit Card Visa if you spend significantly on insurance, utilities, and education, and can benefit from milestone reward points on high annual spends. This card suits users looking for strong rewards accumulation in specific categories and who do not prioritize lounge access or lower forex fees.
Who should pick Yes Bank Select Credit Card?
Consider Yes Bank Select Credit Card if you prefer a lower joining and renewal fee, want complimentary domestic lounge access, and spend frequently on online and offline shopping to maximize reward points. It is also a better choice for those who travel domestically and want lower forex markup charges.
Frequently Asked Questions
HDFC Bank Regalia First Credit Card Visa has a joining and renewal fee of Rs.1000 each, while Yes Bank Select Credit Card charges Rs.499 for both joining and renewal.
Yes, both cards waive the renewal fee if you spend Rs.1 lakh annually.
Yes Bank Select Credit Card has a lower forex markup charge of 2.75%, compared to 3.50% on HDFC Bank Regalia First Credit Card Visa.
Yes Bank Select Credit Card offers 1 complimentary domestic airport lounge access per quarter, while HDFC Bank Regalia First does not provide lounge access benefits.
Yes Bank Select Credit Card offers higher rewards on shopping with 8 points per Rs.200 for online and 4 points per Rs.200 for offline shopping, whereas HDFC Bank Regalia First offers 3 points per Rs.200 generally but focuses on categories like insurance and utilities.
Only HDFC Bank Regalia First Credit Card Visa offers milestone rewards for high spending, while Yes Bank Select Credit Card does not have milestone benefits.