Compare HDFC Business Regalia Credit Card vs HDFC Bank Titanium Edge Credit Card

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

Annual fees: Renew the membership for free by spending Rs. 50,000 in a year
Avail 2 reward points for every Rs. 150 spends
Redeem points for exclusive gifts and air miles through the bank’s exclusive MyRewards catalogue
Redeem the reward points for cash back against the outstanding amount on the Credit Card (100 Reward Points = Rs. 10)
Earn 50% more reward points as exclusive dining privileges
Fuel: Enjoy savings of up to Rs. 250 every billing cycle with a 100% fuel surcharge waiver
Zero liability on lost card
With the EMV Chip technology in the card, stay protected against fraud
Avail of 50 days of interest-free period from the date of purchase
Enjoy Revolving Credit at nominal interest rate
Cash advance fee: A fee of 2.5%, with a minimum of Rs. 500, is applicable on all cash withdrawals on the card

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

Pros

Avail 2 reward points for every Rs. 150 spends
Redeem points for exclusive gifts and air miles through the bank’s exclusive MyRewards catalogue
Earn 50% more reward points as exclusive dining privileges

Cons