Compare : YES BANK Paisabazaar PaisaSave Credit Card vs HDFC Regalia Gold Credit Card

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Complimentary Swiggy One & MMT Black Gold memberships

Free gift voucher worth Rs. 2,500

6% cashback as 12 reward points per Rs. 200 spent on dining and travel

1% cashback as 2 reward points per Rs. 200 spent on other category spends

1 Reward Point = Rs. 1, redeemable as statement credit via YES Rewards platform

5 reward points on every Rs. 200 spent

25 reward points on every Rs. 200 spent at Marks & Spencer, Myntra, Reliance Digital, Nykaa

1 Reward Point = Up to Rs. 0.65

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12 complimentary lounge access within India and 6 complimentary lounge access per calendar year outside India

6% cashback on travel and dining spends

Reward points are redeemable as statement credit in 1:1 redemption ratio

No brand restriction on categories with accelerated value-back

Low annual fee with easily achievable fee waiver condition

5X rewards on Nykaa, Myntra, Marks & Spencer, and Reliance Digital

Rewards on generally-excluded categories like insurance, utilities and education

Multiple redemption options with good redemption value

Travel benefits like Priority Pass Membership, complimentary lounge access, flight vouchers, etc.

Vouchers worth Rs. 16,000 in a year as milestone benefits

Capping on accelerated value-back earnings

No value-back on UPI transactions below Rs. 2,000

Accelerated earning is limited to select brands only

Low redemption value on product/voucher purchase and cash conversion

High spending threshold to make the most of milestone benefits=

Those who are looking for a cashback credit card with minimal annual fee and who travel and dine-out frequently

People looking for an all-rounder credit card with inclined benefits on travel and partnered shopping brands like Marks & Spencer, Myntra, Nykaa, etc.