BOI International Credit Card vs HDFC Business Regalia Credit Card

• Affiliation: Mastercard/Visa/Rupay 
• The Card is valid in India, Nepal and all foreign centers across the Globe, wherever MASTER logo is displayed
• Avail 2 StarPoints on every Rs. 100 on regular spends, and 3 StarPoints on every Rs. 100 on spends at merchant falling under the Preferred Category
• Fuel Transaction Surcharge: 1% of transaction amount 

• Earn 4 Reward Points on every Rs. 150 spent on retail spends excluding wallet, EMI and petrol
• By making Vendor/supplier bill payments and GST payments using HDFC Bank Business Regalia Credit Card, get up to 50 days of free credit period
• 12 Complimentary Airport Lounge Access within India at domestic and international terminals
• Customers who use RuPay cards can now enjoy 12 complimentary airport lounge accesses within India and 6 outside India
• With the Diners Club card, you can enjoy up to 12 complimentary airport lounge visits within India and 6 outside India
• PRIORITY PASS: To avail a Priority Pass, you can apply once you complete a minimum of 4 retail transactions on your HDFC Bank Regalia Credit Card. With a Priority Pass, you and your add-on member can together enjoy up to 6 complimentary lounge access per calendar year, outside India
• Get 5% monthly cashback on Business Essential Spends 
• Up to 4 Reward Points on every Rs.150 spent for business payment, redeem reward points to pay credit card bill
• HDFC Bank Merchants can now conveniently make vendor and distributor payments through a single app using SmartHub
• Get Pre-approved instant loans and Cash withdrawal facility on the Business Credit Card
• Convert all big spends into EMI after purchase
• Zero Lost card liability
• Get Revolving Credit at nominal interest rate
• 2% on all foreign currency spends
• 1% fuel surcharge waiver at all fuel stations across India on transactions betwwen Rs. 400 and Rs. 5000
• Enjoy dining benefits with the Good Food Trail program
• Save up to 20% on all restaurant bills via Swiggy Dineout (20,000+ restaurants). The offer includes both restaurant and Swiggy discounts and is only valid on payments made through the Swiggy app
• Milestone Benefit: Earn Bonus 10,000 Reward Points when spending Rs. 5 lakhs in the anniversary year. Earn an additional 5,000 Reward Points when spending Rs. 8 lakhs in the anniversary year
• Renewal Offer: The renewal fee is waived off if you spent more than 3 lakhs in the previous year
• Convert big spends into EMI after purchase
• Air Accidental death cover up to Rs 1 Cr
• Emergency Overseas Hospitalization protection worth up to Rs. 15 lakhs 
• Flight Delay cover of up to Rs 25,000
• Missing of Connecting International Flight cover of up to Rs 25,000
• The maximum 50,000 Reward Points can be earned in a statement cycle for your Business Regalia Credit Card
• This card is enabled for contactless payments

Pros

• 1 complimentary lounge visit per quarter at airport lounges in India for Master Platinum International card 
• Interest free credit for up to 51 days and revolving credit at preferential rate
• EMI at POS facility is available on POS that are managed/owned by M/S WorldLine Private Limited
• The maximum amount of cash that can be withdrawn from ATM is Rs. 15,000 per day

Cons

• No Golf Privileges 

Pros

• On all foreign currency spends, avail the lowest foreign currency markup of 2% 
• Redeem Reward Points instantly against Airline ticket booking and Hotel booking
• Enjoy the exclusive 24/7 Concierge Service

Cons

• Although complimentary Membership to the Priority Pass Program is offered, all Lounge visits within India using priority pass will be charged at US $27 + GST
• Lounge Visits outside India exceeding the complimentary visits will be charged at US $27 + GST.
• The annual fee of 2500 is moderately high