HDFC Regalia vs YES FIRST Exclusive
Full side-by-side comparison based on verified card data. Updated April 2026.
Quick Verdict
HDFC Regalia wins 4 of 8 dimensions with a CardTrail Score of 8.3/10 vs 7.7/10.
| Feature | HDFC Regalia | YES FIRST Exclusive |
|---|---|---|
| CardTrail Score | 8.3/10 | 7.7/10 |
| Annual Fee | ₹2,500 | ₹1,999 |
| Base Reward Rate | 1.3% | 1% |
| Max Reward Rate | 13% | 3% |
| Forex Markup | 3.5% | 1.75% |
| Domestic Lounges | 8 | 3 |
| International Lounges | 6 | 6 |
| Fuel Surcharge Waiver | Yes | Yes |
| Network | Visa Signature | Visa Infinite |
When to Choose HDFC Regalia
- You can meet the fee waiver condition: Spend ₹3L/year
- You want higher rewards — up to 13% vs 3%
- Airport lounge access matters — 8 domestic visits
- Your primary spend is: travel, dining
When to Choose YES FIRST Exclusive
- You can meet the fee waiver condition: Spend ₹3L/year
- You travel internationally — saves ₹1,750/year on ₹1L forex spend
- Your primary spend is: travel, luxury
Forex Cost Comparison
On ₹1,00,000 annual international spending: HDFC Regalia costs ₹4,130 in forex fees vs YES FIRST Exclusive at ₹2,065. You save ₹2,065/year with YES FIRST Exclusive.
Annual Fee Value Analysis
To break even on HDFC Regalia's ₹2,500 fee at 1.3% rewards, spend ₹16,026/month.
To break even on YES FIRST Exclusive's ₹1,999 fee at 1% rewards, spend ₹16,658/month.