InterMiles HDFC Bank Platinum Credit Card vs HDFC Business Regalia Credit Card

Joining Fees

₹1,000

₹2,500

Editor's Rating

3.75

4

Key Features

  • Renewal Benefits

A. Continue the exciting journey with 1,500 InterMiles upon spending Rs. 3,000 within first 30 days of Anniversary date

Experience savings on Flight and Hotel bookings:

A. Get Rs. 500  Flight Discount vouchers

B. Get Rs. 1000  Hotel Discount vouchers

Do note that these Renewal benefits are only applicable on realization of membership fee

  • Get 4 InterMiles on every Rs. 150 spent on retail spends
  • Get 8 InterMiles on every Rs 150 spent on every flight ticket booked on https://flights.intermiles.com
  • Get 8 InterMiles on every Rs. 150 spent on every Hotel booked via Interbook.intermiles.com
  • Privileges on Etihad Airways

A. Obtain 5% discount on Etihad Airways Economy Class tickets booked on http://flights.intermiles.com

B. Avail 2.5X bonus InterMiles for Etihad Airways tickets booked on http://flights.intermiles.com

  • Domestic Lounge Program: Be greeted with luxury each time when traveling, with access to selected lounges at airports in India with the bank’s network partners
  • VISA Lounge Program: Get 8 complimentary visits Per Year (2 per quarter)
  • MasterCard Lounge Program: Get 8 complimentary visits (2 per quarter)
  • 1% fuel surcharge waiver at fuel stations in India on minimum transaction of Rs. 400
  • Zero liability on lost card
  • Revolving Credit is available at an interest rate of 3.6% per month
  • Avail up to 50 days of free credit period from the date of purchase
  • Avail up to 3 Add-on Cards
  • Save up to 20% on dining bills paid via Dineout Pay via the credit card. Get 15% Dineout Discount plus Additional 5% HDFC Bank Discount
  • 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

Editor's Review

Pros

  • InterMiles as welcome benefit and reward points
  • Domestic lounge access
  • Save up to 20% on dining bills paid via Dineout Pay via the credit card. Get 15% Dineout Discount plus Additional 5% HDFC Bank Discount

Cons

  • InterMiles can only be used for travel related bookings on the InterMiles website
  • There are other travel credit cards that offer more redemption options
  • No golf or movie benefits

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


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