COMPARE
HDFC Regalia Gold Credit Card vs YES Bank Marquee Credit Card
On net annual value, YES Bank Marquee beats HDFC Regalia Gold in all four spend profiles we model, by ₹4,739 to ₹23,239 a year. HDFC Regalia Gold costs ₹2,500 a year against ₹4,999 and lists a lower income floor, ₹1,50,000 a month against ₹3,00,000. YES Bank Marquee offers unlimited international lounge access and charges 1% on foreign-currency spend against 2%. Figures as of .
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Who comes out ahead — by how you spend
Estimated net annual value for four typical spend profiles: the rewards each card earns on that spend (a merchant or portal bonus only on the share of spend it plausibly reaches), plus the perks and milestone bonuses that spender would use, less any annual fee the spend does not waive (with GST) and the forex markup on spending abroad. Lounge access carries no rupee value here.
| Spender | HDFC Regalia Gold Credit Card | YES Bank Marquee Credit Card |
|---|---|---|
Everyday spender ≈ ₹40k/mo across groceries, bills, dining and fuel | ₹8,630/yr | ₹16,440/yr✓ +₹7,810/yr |
Online shopper ≈ ₹60k/mo, mostly e-commerce and subscriptions | ₹16,978/yr | ₹28,890/yr✓ +₹11,912/yr |
Frequent traveller ≈ ₹1.2L/mo with heavy travel and forex spend | ₹38,120/yr | ₹42,859/yr✓ +₹4,739/yr |
High spender ≈ ₹2.5L/mo across every category | ₹57,420/yr | ₹80,659/yr✓ +₹23,239/yr |
Not in these numbers: both include airport lounge access — real perks that can outweigh a small gap.
Illustrative profiles, not a personalised result — your categories decide the real winner. Run these two on my spending →
What your points are actually worth
A point's headline value means little without the earn rate behind it. Here's the real math — the value of a point by how you redeem it, the resulting return by category, and the net rupees for your own spend.
| Value of one point, by route | HDFC Regalia Gold Credit CardHDFC Reward Points | YES Bank Marquee Credit CardYES Reward Points |
|---|---|---|
| Cash / statement credit | ₹0.30 | ₹0.10 |
| Gift vouchers | ₹0.30 | ₹0.15 |
| Travel portal | ₹0.50 | ₹0.25BEST |
| Airline / hotel transfer | ₹1.002:1BEST | ₹0.1010:1 |
Return by categoryearn rate × point value
Headline reward rate per category, before monthly caps. Switch the redemption strategy above to see how the picture shifts.
Your spend, head to head
Enter your monthly spend — net value is the annual rewards after the card fee, at each card's best realistic redemption (our recommender's model, caps and fee-waivers included).
Total ₹60,000/mo · ₹7,20,000/yr
Want the money-first pick across your whole wallet? Run the recommender →
| HDFC Regalia Gold Credit Card | YES Bank Marquee Credit Card | |
|---|---|---|
| Fees | ||
| Joining fee | ₹2,500 | ₹9,999 |
| Annual fee | ₹2,500/yr ✓ | ₹4,999/yr |
| Annual fee — all-in (incl. 18% GST) | ₹2,950 ✓ | ₹5,899 |
| Fee waiver at | ₹4,00,000/yr spend | ₹10,00,000/yr spend |
| Welcome benefit | ~₹2,500 | ~₹10,000 |
| Rewards | ||
| Best everyday reward | 1.25% on everyday spends | 4.5% on Online Shopping ✓ |
| Online Shopping | 1.25% | 4.5% ✓ |
| Base rate — other spends | 1.25% | 2.25% ✓ |
| OTT & Entertainment | 1.25% | 1.25% |
| Travel | 1.25% | 2.25% ✓ |
| Utility Bills | 1.25% | 1.25% |
| Charges | ||
| Forex markup | 2% | 1% ✓ |
| Finance charge | 3.75% p.m. | 2.99% p.m. |
| Cash advance | — | — |
| Add-on card | — | — |
| Perks | ||
| cobranded ott | — | ~₹3,199/yr · Complimentary annual ET Prime subscription, redeemed via the YES Bank benefits portal |
| concierge | ~₹4,000/yr · Boarding Edge — upload a boarding pass on SmartBuy and pick any 2 benefits each calendar quarter from spa access, airport transfers via Uber, hotel dining or a hotel room upgrade | ✓ · 24x7 lifestyle concierge with bespoke travel and dining services |
| fuel waiver | — | ~₹1,000/yr · 1% fuel surcharge waiver on transactions between ₹500 and ₹5,000, capped at ₹1,000 per statement cycle (eff. 15-Jun-2026) |
| golf | — | ~₹8,000/yr · One complimentary golf lesson every month plus 4 green-fee waivers a year at select courses |
| insurance | ~₹2,000/yr · Accidental air death cover of ₹1 crore, emergency overseas hospitalisation up to ₹15 lakh, and credit liability cover up to ₹9 lakh | — |
| lounge access | ~₹12,000/yr · 12 domestic (3/quarter) + 6 international lounge visits/year, the international ones on Priority Pass. From July 2026 domestic access requires ₹60,000 of spend in the previous quarter. Cash advances, card fees and all EMI spends (Easy EMI, SmartEMI, Dial-an-EMI) do not count toward that gate. | ~₹24,000/yr · Unlimited international lounge access (not spend-gated) plus 6 domestic visits per quarter, domestic unlocked by ₹1 lakh spend in the prior calendar quarter; 4 international + 2 domestic guest visits a year |
| milestone bonus | ~₹6,000/yr · ₹1,500 voucher each calendar quarter on ₹1.5 lakh of spend in that quarter — ₹6,000 a year only if you clear the bar in all four quarters | — |
| movie ticket | — | ~₹15,000/yr · Buy-one-get-one-free on movie tickets up to 3 times a month, capped at ₹800 per ticket (up to a ₹28,800/yr ceiling, realistically less) |
| Eligibility | ||
| Min income | ₹1,50,000/mo ✓ | ₹3,00,000/mo |
| Min age | 21+ yrs | 21+ yrs |
| UPI linked | — | — |
| Expert rating | 4.5 / 5 ✓ | 4.0 / 5 |
Reward rates above are the realistic value you keep — points earned × what a point is worth at each card's own best redemption, before monthly caps — so cards with different point values compare fairly. Bank-portal accelerators (earned only by booking through the issuer's own portal, on a slice of spend) are bounded upside, listed separately here rather than blended into the everyday rates.
Bonus via the bank's own portal
- SmartBuy: flights 5X (~6.25%), hotels 10X (~12.5%) — capped 4,000 RP/month
Which should you pick?
Choose the HDFC Regalia Gold Credit Card if you want strong rewards on everyday spends at a lower annual fee. Consider the YES Bank Marquee Credit Card if you spend more on online shopping. Your actual best card depends on how you spend — run your numbers below.
HDFC Regalia Gold Credit Card vs YES Bank Marquee Credit Card — FAQs
Which has a lower annual fee, HDFC Regalia Gold Credit Card or YES Bank Marquee Credit Card?
As of 24 Oct 2026, HDFC Regalia Gold has the lower annual fee: ₹2,500 (₹2,950 with 18% GST), against ₹4,999 (₹5,899 with 18% GST) on YES Bank Marquee. HDFC Regalia Gold waives it after ₹4,00,000 of spend in a card year, YES Bank Marquee after ₹10,00,000. YES Bank Marquee charges ₹9,999 to join.
Do HDFC Regalia Gold Credit Card and YES Bank Marquee Credit Card offer airport lounge access?
As of 24 Oct 2026, HDFC Regalia Gold lists 12 domestic visits a year (3 a quarter) and 6 international visits a year at airport lounges, with the domestic visits unlocked by ₹60,000 of spend in the previous quarter. YES Bank Marquee lists 6 domestic visits a quarter and unlimited international access at airport lounges, with the domestic visits unlocked by ₹1,00,000 of spend in the previous quarter.
Which card has lower forex markup, HDFC Regalia Gold Credit Card or YES Bank Marquee Credit Card?
As of 24 Oct 2026, YES Bank Marquee has the lower forex markup: 1%, against 2% on HDFC Regalia Gold. With 18% GST on the markup, ₹1,00,000 spent abroad costs about ₹1,180 extra on YES Bank Marquee and ₹2,360 on HDFC Regalia Gold, a ₹1,180 difference.
For a frequent traveller, is the HDFC Regalia Gold Credit Card or YES Bank Marquee Credit Card better value?
On figures as of 24 Oct 2026, YES Bank Marquee comes out ahead for a frequent traveller (about ₹1.2 lakh a month with heavy travel and forex spend), with a net annual value (rewards, perks and milestones, less the annual fee and forex markup) of ₹42,859 against ₹38,120 on HDFC Regalia Gold, a ₹4,739 gap. That figure includes the forex markup on this traveller's spend abroad, where YES Bank Marquee charges 1% against 2% on HDFC Regalia Gold.
For everyday spending, which returns more: HDFC Regalia Gold Credit Card or YES Bank Marquee Credit Card?
On figures as of 24 Oct 2026, YES Bank Marquee comes out ahead for an everyday spender (about ₹40,000 a month across groceries, bills, dining and fuel), with a net annual value (rewards, perks and milestones, less the annual fee and forex markup) of ₹16,440 against ₹8,630 on HDFC Regalia Gold, a ₹7,810 gap. At this spend HDFC Regalia Gold waives its ₹2,500 annual fee.
Which is better, HDFC Regalia Gold Credit Card or YES Bank Marquee Credit Card?
As of 24 Oct 2026, HDFC Regalia Gold earns 1.25% on everyday spends outside merchant or portal bonuses, paid as HDFC Reward Points, and YES Bank Marquee earns 4.5% on online shopping at best, paid as YES Reward Points. YES Bank Marquee comes out ahead on net annual value in all four spend profiles we model.