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YES Reserv vs HDFC Business Regalia

Compare YES Reserv vs HDFC Business Regalia across fees, rewards, cashback, lounge access, and eligibility to shortlist the best fit.

Comparison cockpit

Futuristic side-by-side card intelligence

HDFC Business Regalia leads on reward rate, while YES Reserv has the lowest annual fee.

Card 1

YES Reserv

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.8.2

Card 2

HDFC Business Regalia

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.8.2
YES Reserv
Balanced value8.2

yes / MASTERCARD

YES Reserv

Annual

₹2,499

Return

3%

Lounges

18

Forex

1.75%

Card summary
  • YES Reserv leans travel and lifestyle with ₹2,499 annual fee, 3% headline return potential, and 18 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹2,499 annual fee.
  • 3% reward rate can outperform flat cashback for loyal users.
  • 18 lounge access adds travel utility.
Cons
  • Low forex markup matters mainly if you travel internationally.
  • Higher ₹24,00,000 income expectation narrows eligibility.
  • Travel value depends on actually using lounge and trip perks.
Best for

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details
HDFC Business Regalia - HDFC credit card
Balanced value8.2

hdfc / VISA

HDFC Business Regalia

Annual

₹2,500

Return

4%

Lounges

12

Forex

2%

Card summary
  • HDFC Business Regalia leans travel and lifestyle with ₹2,500 annual fee, 4% headline return potential, and 12 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹2,500 annual fee.
  • 4% reward rate can outperform flat cashback for loyal users.
  • 12 lounge access adds travel utility.
Cons
  • Low forex markup matters mainly if you travel internationally.
  • Higher ₹15,00,000 income expectation narrows eligibility.
  • Travel value depends on actually using lounge and trip perks.
Best for

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details
Metric
YES Reserv
HDFC Business Regalia
Fees
Annual fee
₹2,499
₹2,500
Joining fee
₹2,499
₹2,500
Rewards
Cashback rate
0.75%
1%
Reward rate
3%
4%
Travel
Forex markup
1.75%
2%
Domestic lounges
12
8
International lounges
6
4
Benefits
Fuel waiver
Yes
Yes
Dining
Yes
Yes
Movies
No
No
Eligibility
Minimum income
₹24,00,000
₹15,00,000

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