Compare : YES BANK ELITE+ Credit Card vs HDFC Regalia Gold Credit Card

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Complimentary Swiggy One & MMT Black Elite memberships

Free gift voucher worth Rs. 2,500

12 YES Rewardz Points per Rs. 200 spent on online shopping, except on select categories

6 YES Rewardz Points per Rs. 200 spent on offline shopping, except on select categories

4 YES Rewardz Points per Rs. 200 spent on select categories

10 YES Rewardz Points = 1 InterMile / 1 Club Vistara Point

Capping of 12,000 reward points in a monthly statement cycle

4 reward points on every Rs. 150 spent

20 reward points on every Rs. 150 spent at Marks & Spencer, Myntra, Reliance Digital, Nykaa

1 Reward Point = Up to Rs. 0.65

Up to 8 complimentary visits to domestic airport lounges (max. 2 per quarter) and 3 to international ones per year

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

Accelerated rewards on online shopping

Up to 8 Domestic and 3 international lounge visits in a year

Comparatively low forex mark-up fee of 2.75%

25% discount on BookMyShow

Complimentary golf games and lesson at select golf courses

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

Low foreign exchange mark-up fee of 2%

International lounge visits limited to only 3 in a year

Reward rate is low for cardholders who do not opt for the subscription plan

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=

People who are frequent online shoppers, can utilise the complimentary airport lounge benefits, play golf and like to watch movies.

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