Head-to-head · 🇮🇳 India
HDFC Regalia Gold vs Yes Bank Marquee
Side-by-side comparison across fees, rewards, welcome bonuses, and eligibility.
IN
Premium
HDFC Bank
HDFC Regalia Gold
VISA
Wins 8 of 10
IN
Premium
Yes Bank
Yes Bank Marquee
Wins 1 of 10
Verdict
HDFC Regalia Gold wins 8-1. Mid-tier travel + dining without the Diners Black price tag Yes Bank Marquee is still the right call if mid-premium with rare 0% forex markup tier..
Side-by-side
| Criterion | HDFC Regalia Gold | Yes Bank Marquee |
|---|---|---|
| Annual fee | ₹2,500 | · ₹4,999 |
| Joining fee | ₹2,500 | · ₹9,999 |
| Top reward rate | 25% (travel) | · 2% (general) |
| Base reward rate | 4% | · 2% |
| Forex markup | · 2% | No FX fee |
| Welcome bonus | = 2,500 reward points + ₹1,500 Marriott / Cult.fit voucher | = 15,000 reward points worth ₹3,750 |
| Fee waiver threshold | ₹400,000 / yr | · ₹1,500,000 / yr |
| Min income | ₹1,200,000 | · ₹2,400,000 |
| Min credit score | 770 | · 790 |
| Editorial rating | 4.6/5 | · 4.3/5 |
Benefits compared
HDFC Regalia Gold
- 5x reward points on travel + dining via SmartBuy
- 4 complimentary international lounge visits per year (Priority Pass)
- 12 complimentary domestic lounge visits per year
- Annual memberships: Club Vistara Silver, MMT Black Elite
- Low forex markup: 2%
- Milestone benefits at ₹1.5L, ₹3L and ₹4L spend
Yes Bank Marquee
- 12 reward points per ₹200 on weekend dining + grocery
- 6 reward points per ₹200 on others
- 0% forex markup
- Unlimited domestic + 4 international lounge visits/quarter
- Golf at 250+ courses (4/quarter)
FAQ
›HDFC Regalia Gold vs Yes Bank Marquee: which is better?
HDFC Regalia Gold wins on more dimensions (8 vs 1). But the right answer depends on your specific spending pattern — see the calculator below.
›Can I get both?
Yes — if your credit profile supports it, holding both is the optimal play. Use HDFC Regalia Gold for its best categories, Yes Bank Marquee for its best categories. Just watch the combined annual fees against your spend.
›Which one has the better welcome bonus?
HDFC Regalia Gold: 2,500 reward points + ₹1,500 Marriott / Cult.fit voucher. Yes Bank Marquee: 15,000 reward points worth ₹3,750.