HDFC Business Regalia Credit Card vs Tata Neu Infinity HDFC Bank Credit Card

• Earn 4 Reward Points on every Rs. 150 spent on retail spends excluding wallet, EMI and petrol
• Up to 50 days interest free credit period
• 5% monthly cashback on Business Essential Spends like (electricity bills, telephone & internet bills, Government & Tax Payments)
• Get Pre-approved instant loans and Cash withdrawal facility on Business Credit Card
• Convert all big spends into EMI after purchase
• Buy interiors, furnitures, electronics, ACs and more in bulk for the business  with Easy EMI options
• Utility Bill Payments : Register the Credit Card with SmartPay, HDFC Bank's Utility Bill payment service, and be ensured that all utility bills are paid on time, conveniently and easily. Avail assured cashback up to Rs. 1800 in the first year and exciting e-vouchers worth up to Rs.800 for adding 2 or more bills on Smart Pay
• Zero Lost card liability
• Enjoy Revolving Credit at nominal interest rate
• Foreign currency mark up of 3.5% on all foreign currency spends
• 1% fuel surcharge waiver at all fuel stations across India on minimum transaction of Rs. 400 and maximum transaction of Rs. 5000. Max CashBack of Rs. 500 per statement cycle)
• Enjoy dining benefits with Good Food Trail program: Up to 20 % savings off on all restaurant bill payments via Swiggy Dineout (20,000+ restaurants). Offer is inclusive of Restaurant and Swiggy Discount, and valid only on payments done Swiggy App
• Complimentary Airport Lounge Access within India: 12 complimentary access per calendar year within India (both at domestic and international terminals). Visits exceeding the complimentary quota will be allowed at the discretion of lounge and will also be chargeable by the lounge. Visa Customers will be charged a transaction fee of Rs. 2 on their Visa Business Regalia Credit card towards complimentary lounge access. For  Mastercard customers , Rs 25 get debited from customers card account  for authorization purpose but it will get reversed. For RuPay Customers, 12 Complimentary Airport Lounge Access within India and 6 outside India using their RuPay card. 12 Complimentary Airport Lounge Access within India and 6 outside India using Diners Club card
• PRIORITY PASS:: Apply for Priority Pass for self and add on members by completing minimum 4 retail transactions on the HDFC Bank Regalia Credit Card. Using Priority Pass, cardholder and the add on member can together avail up to 6 Complimentary Lounge Access per calendar year, outside India. If exceeded the 6 Complimentary visits, cardholder will be charged at US $27 + GST per visit. Do note for Diners Club Card, Priority Pass is not required to access complementary 6 international lounge access. Cardholders can access international lounge using Diners Club Card. For RuPay Card, Priority Pass is not required to access complementary 6 international lounge access. Cardholders can access international lounge using their RuPay Card
• 24/7 Concierge Services
• Milestone Benefit: Avail Bonus 10,000 Reward Points by spending Rs. 5 lakhs in the anniversary year. Earn additional 5,000 Reward Points by spending Rs. 8 lakhs spends in the anniversary year
• Renewal fee waived off if cardholder spends more than 3 Lakhs in the previous year
• HDFC Bank Regalia Credit Card has the option to convert big spends into EMI after purchase
• Air Accidental death cover up to Rs 1 Crore
• Emergency Overseas Hospitalization protection worth up to Rs. 15 lakhs against any medical emergency when traveling in and outside the country
• Flight Delay cover of up to Rs 25,000 available to primary card holder
• Missing of Connecting International Flight cover of up to Rs. 25,000
• The card  is enabled for contactless payments

• As a welcome benefit, cardholders can receive 1,499 NeuCoins against the first-year membership fee. To qualify, the first card transaction must be completed within 30 days of issuance
• The welcome NeuCoins become claimable through the Tata Neu app within 60 days of the qualifying transaction. Eligible customers must claim them within 180 days from the applicable statement date
• Welcome NeuCoins remain valid for 365 days from the date they are claimed. This benefit is not available on Lifetime Free or First-Year-Free cards
• Spend at least Rs. 3 lakh during a card membership year, before the renewal date, to have the following year’s renewal fee waived
• Earn 5% back as NeuCoins on eligible, non-EMI purchases made through Tata Neu and participating Tata brands
• Receive 1.5% back as NeuCoins on eligible purchases made outside the Tata brand network
• Merchant EMI transactions are eligible for 1.5% back as NeuCoins, subject to the applicable reward conditions
• Cardholders registered for Tata NeuPass can earn an additional 5% back on selected categories on the Tata Neu app or website. The transaction must be made from the primary cardholder’s Tata Neu account registered with the bank’s mobile number
• The additional NeuPass reward does not presently apply to Tata Pay bill payments, Tanishq, Cult.fit, Air India and Tata Play transactions
• Eligible UPI payments can earn up to 1.5% back as NeuCoins. A base reward of 0.5% is available on qualifying UPI purchases, while an additional 1% can be earned when payment is made using an eligible Tata Neu UPI ID
• UPI rewards are limited to a total of 500 NeuCoins per calendar month
• NeuCoins are not awarded on fuel, wallet loading, rent, government-related payments and online gaming transactions
• Education payments made through third-party platforms such as CRED, CheQ or MobiKwik do not earn NeuCoins. Eligible payments made directly through an educational institution’s website or POS terminal may qualify
• NeuCoins earned on grocery purchases are capped at 2,000 per calendar month
• Utility and telecom/cable transactions are each subject to a separate reward limit of 2,000 NeuCoins per calendar month
• Insurance transactions can earn a maximum of 2,000 NeuCoins in a calendar month

Lounge Benefits

• Domestic lounge access is now spending-based. Spend at least Rs. 50,000 in a calendar quarter to receive two complimentary domestic lounge vouchers for that quarter, with a maximum of 8 vouchers in a calendar year
• Eligible customers are informed through SMS or email. Lounge vouchers must be claimed through the specified voucher portal within 120 days and used within 180 days of issuance.
• Visa cardholders can request a Priority Pass and receive up to 4 complimentary international lounge visits per calendar year, limited to 1 visit per quarter. This overall limit includes visits made by both primary and add-on cardholders
• International lounge visits exceeding the complimentary Visa entitlement, as well as guest visits, are charged at US $27 plus applicable GST per visit. Priority Pass usage within India is also chargeable
• RuPay cardholders receive up to 4 complimentary international lounge visits per calendar year, limited to 1 visit per quarter. An access charge of US $3.25 may initially appear and is subsequently reversed for an eligible complimentary visit

Travel, Protection and Other Benefits

• The card provides accidental air-death insurance coverage of up to Rs. 1 crore
• Emergency hospitalization outside India is covered for up to Rs. 15 lakh, subject to the policy’s applicable terms and exclusions
• Lost-card liability protection is available for up to Rs. 9 lakh
• Fraudulent transactions may be covered under the card’s zero-liability protection, provided the loss or unauthorized use is reported immediately to HDFC Bank’s 24-hour customer service facility
• A 1% fuel-surcharge waiver is available at fuel stations across India on individual transactions between Rs. 400 and Rs. 5,000 The maximum waiver is Rs. 500 per statement cycle
• A foreign-currency markup of 2% plus applicable taxes is charged on international transactions
• The card supports contactless payments
• Purchases can receive an interest-free credit period of up to 50 days, depending on the transaction date and when the merchant submits the charge
• There’s option to convert big spends into EMI after purchase available on Tata Neu Plus HDFC Bank Credit Card

NeuCoin Usage

• NeuCoins can be redeemed through Tata Neu for eligible purchases from participating brands such as Air India Express, Bigbasket, Croma, Westside, Tata CLiQ, Tata CLiQ Luxury, IHCL hotels, Tata 1mg, Qmin, Titan and Tanishq
• Tanishq redemptions must be completed through the Tata Neu platform and remain subject to the individual brand’s redemption rules
• NeuCoins credited from regular card spending are generally transferred to the linked Tata Neu account within seven working days after statement generation
• NeuCoins earned from August 1, 2025 onward generally remain valid for 12 months, including the applicable lock-in period, calculated from the end of the month in which they are credited. Welcome or promotional NeuCoins may have separately communicated expiry conditions

Pros

• Earn 4 Reward Points on every Rs. 150 spent on retail spends
• 5% monthly cashback on Business Essential Spends like (electricity bills, telephone & internet bills, Government & Tax Payments)
• Get Pre-approved instant loans and Cash withdrawal facility on Business Credit Card

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 Rs. 2500 is moderately high

Pros

• 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
• Use the NeuCoins for purchases on Tata Neu /Website for Brands like: AirAsia India, Bigbasket, Croma Westside, Tata CLiQ, Tata CLiQ Luxury, Hotel Bookings/Purchases on IHCL, TATA 1MG, Qmin, and Titan and Tanishq (only via Tata Neu)

Cons

• No golf benefits
• Tata Neu coins are valid only for 12 months and can be used only in the Tata Neu app or paying thru the Neu app