HDFC Business Regalia Credit Card vs HDFC Regalia Credit Card

Joining Fees

₹2,500

₹2,500

Editor's Rating

4

4

Key Features

  • 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
  • Complimentary Airport Lounge Access within India: Lounge access program will now be based on the credit card spends. Spend Rs. 1 Lakh or more in a calendar quarter (Jan-Mar | Apr-Jun |Jul-Sept | Oct-Dec). Choose up to 2 complimentary lounge access vouchers as your Quarterly Milestone Benefit
  • International Lounge access using priority pass is not based on spends: Cardholders can apply for Priority Pass once they complete minimum 4 retail transactions on the card. Do note that Rupay cards are not eligible for priority pass. Using Priority Pass, avail up to 6 Complimentary Lounge Access per calendar year, outside India 
  • 1% fuel surcharge waiver at all fuel stations across India on transactions between Rs. 400 and Rs. 5000
  • Enjoy dining benefits with the Good Food Trail program: Get up to 7.5% savings on all restaurant bill payments via Swiggy Dineout (20k+ restaurants). This offer is inclusive of Restaurant and Swiggy Discount, and valid only on payments done via the Swiggy App
  • Zero Lost card liability
  • Foreign Currency Markup: 3.5% on all foreign currency spends
  • Get Revolving Credit at nominal interest rate
  • 24/7 Concierge Services
  • Milestone Benefit: Avail 10,000 Reward Points when achieving annual spends of Rs. 5 lakhs and additional 5,000 Reward Points when achieving annual spends of Rs. 8 lakhs in an anniversary year
  • Spend Rs. 3L in 12 Months and get Renewal Fee waived for next renewal year
  • Convert big spends into EMI after purchase
  • Accidental air death cover worth Rs. 1 Crore
  • Emergency overseas hospitalization up to Rs. 15 lakhs
  • Lost Card Liability Cover : Up to Rs 9 lakhs  
  • On retail spends including Insurance, earn 4 reward points on Rs. 150
  • Get 10,000 Reward Points on annual spends of Rs. 5 lakhs
  • Get additional 5,000 Reward Points on annual spends of Rs. 8 lakhs

Editor's Review

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

  • Earn 10,000 Reward Points when achieving annual spends of Rs. 5 lakhs.
  • Accidental air death cover worth Rs. 1 Crore
  • Fuel Surcharge Waiver

 

Cons

  • Slightly high Annual Fee
  • No golf/coaching sessions


More comparisions with HDFC Business Regalia Credit Card

More comparisions with HDFC Regalia Credit Card

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