Compare ICICI Business Credit Cards vs HDFC Regalia Credit Card

Key Features For all ICICI Business Cards:

Interest-free credit period up to 48 days
Spends linked rewards / InterMiles / Offers & Discounts
Fuel surcharge waiver of 1%
Simplify book keeping - Online expense management
Complimentary Airport Lounge access
Comprehensive Insurance Coverage up to Rs. 75 lakh
GCAS customer assistance

For Business Advantage Black Card:

Key benefits:

Save more with Cashback, earn cashback on spends which means more you spend the higher cashback you get. For details see below:

For Statement Balance Rs >75k:

Domestic Spends - Up to 1%

International Spends Up to 1%

For Statement Balance (Rs<25k> – Rs<50k>):

Cashback on eligible spends-

Domestic Spends: Up to 0.5%

International Spends: Up to 1%

Eligible only on Airline, Hotel and restaurant spends except for select categories such as fuel, cash withdrawals, insurance, all fees and interest charges. Cashback earned in a month is subject to a maximum of Rs 2,000 through eligible spends.

Contactless Card
Concierge Services
Culinary Treats: Get minimum discount of 15% on dining bill at nearly 2,500+ restaurants spread across cities with ICICI Bank Culinary Treats Programme
Insurance Benefits: Personal air accident death insurance cover of up to Rs 75 lakh
Airport Lounges: Get 2 complimentary access per quarter at select Airport Lounges in India

Enjoy Exclusive SME Offers from top brands such as: Docusign (Get 10% off up to a maximum of 30% off on an annual DocuSign Business Pro Package), Evernote (Get 3 months free of Evernote Premium Subscription), Awfis (When booking your seats with Awfis, get 20% off on Meeting Rooms PAN India), Amazon Web Services (Web Hosting Services - Get up to 16% off on Web Builder bundles and up to 21% off on Web Hosting bundles on BigRock. Get free Cloud Assessment worth USD 250 from an Amazon Web Services), Airtel Business (Avail exciting offers on Airtel Internet Leased Line, Unified Conferencing, Broadband and Corporate Postpaid plans. Get up to 36% off on Airtel Internet Leased Line, One month free on Airtel Unified Conferencing, up to Rs. 200 off on Airtel Broadband monthly bill, and Rs. 75 off on a standard Airtel Corporate Postpaid market plan).

FOR Business Advantage Blue Card:

Key benefits:

Save more with Cashback, earn cashback on spends which means more you spend the higher cashback you get. For details see below:

Statement Balance Rs >75k Cashback on eligible spends:

Domestic Spends - Up to 1%

International Spends - Up to 1%

Statement Balance (Rs<25k> – Rs<50k>) Cashback on eligible spends:

Domestic Spendsc - Up to 0.5%

International Spends - Up to 1%

Contactless Card
Concierge Services
Culinary Treats: Get minimum discount of 15% on dining bill at nearly 2,500+ restaurants spread across cities with the ICICI Bank Culinary Treats Programme
Insurance Benefits: Personal air accident death insurance cover of up to Rs 75 lakh
Airport Lounges: Get 2 complimentary access per quarter at select Airport Lounges in India
Exclusive SME Offers from top brands such as: Docusign (Get minimum of 10% off up to a maximum of 30% off on an annual DocuSign Business Pro Package), Evernote (Get 3 months free of Evernote Premium Subscription), Awfis (While booking your seats with Awfis, get 20% off on Meeting Rooms PAN India), Amazon Web Services (Web Hosting Services - Get up to 16% off on Web Builder bundles and up to 21% off on Web Hosting bundles on BigRock, free Cloud Assessment worth USD 250 from an Amazon Web Services), Airtel Business (Avail exciting offers on Airtel Internet Leased Line, Unified Conferencing, Broadband and Corporate Postpaid plans, up to 36% off on Airtel Internet Leased Line, One month free on Airtel Unified Conferencing, Rs 200 off on Airtel Broadband monthly bill, and Rs 75 off on a standard Airtel Corporate Postpaid market plan)

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