ICICI Bank American Express Business Essential Credit Card vs HDFC Regalia Credit Card

• Key benefits: Joining bonus of 1,500 PAYBACK Points from ICICI Bank Rewards with additional annual bonus of 1,500 PAYBACK Points from ICICI Bank Rewards.

• Reward Points: Enjoy limitless reward-earning opportunities powered by PAYBACK, which is India’s largest and Europe’s most popular loyalty programme with every transaction as described below:

- 6 PAYBACK Points from ICICI Bank Rewards on every Rs 100 spent online

- 4 PAYBACK Points from ICICI Bank Rewards on every Rs 100 spent on dining & Airline transactions

- 4 PAYBACK Points from ICICI Bank Rewards on every Rs 100 spent on Hotel & Car Rental

- 2 PAYBACK Points from ICICI Bank Rewards on every Rs 100 spent on other spends (except fuel, utility and insurance)

• Reward points redemption: When you  desire to redeem your PAYBACK Points from ICICI Bank Rewards, you are provided with a worthy selection of rewards to choose from as described below:

Merchandise:

- Stylish accessories from Guess, Tommy Hilfiger and Calvin Klein. Classic time pieces from Omega. Raymond Weil and Tag Heuer

- Latest gadgets from Apple, Blackberry, Canon, Samsung and Sony Ericsson. Perfumes such as  Dunhill, 5th Avenue, Bvlgari and Carolina Herrara. These finest brands await for your indulgence

- Gift vouchers: You can redeem points for gift vouchers from Debenhams, Nautica, Jack and Jones, Taj Hotels Palaces & Resorts

- Air miles: Convert PAYBACK Points from ICICI Bank Rewards into air miles on Jet Airways Miles and more

• Culinary Treats: Drench your taste buds with various delicious treats at some of the leading restaurants in India and get avail great discounts. Save a minimum of 15% on dining bill at all participating restaurants. To view the complete list of restaurants, visit www.culinarytreats.com. You can also download the ICICI Bank Culinary Treats mobile app from (app store) or (google play) 
• American Express® SELECTS provides a broad range of special offers around the globe in travel, dining, shopping and entertainment. To view the current list of their offers, visit www.amexnetwork.com/selects
• Avail exclusive savings on ICICI Bank Business Essential Card
• Savings on fuel purchases: No fuel surcharge will be levied on fuel transactions up to Rs. 5,000 at HPCL petrol pumps (having ICICI Bank Point of Sale terminal) when you use your ICICI Bank American Express® Business Essential Credit Card
• Complimentary access to Railway Lounges and select lounges at airports in India with your ICICI Bank American Express® Business Essential Credit Card

• 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

Pros

• ICICI Business Essential has been specifically designed to deliver higher rewards catering to your business requirement
• Complimentary access to Railway Lounges and select lounges at airports in India with your ICICI Bank American Express® Business Essential Credit Card
• No fuel surcharge will be levied on fuel transactions up to Rs. 5,000 at HPCL petrol pumps (having ICICI Bank Point of Sale terminal) when you use your ICICI Bank American Express® Business Essential Credit Card

Cons

• No Golf/coaching sessions

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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