Ixigo AU Bank Credit Card vs HDFC Business Regalia Credit Card

Joining Fees

₹999

₹2,500

Editor's Rating

3

4

Key Features

  • Joining fee is Rs. 999 + GST, but it can be waived if the cardholder spends Rs. 1,000 within the first 30 days of card issuance. Renewal fee of Rs. 999 + GST can also be waived if the cardholder spends Rs. 1,00,000 in the previous year
  • Enjoy a 10% discount on Flight Bookings up to Rs. 1,000 
  • Wave goodbye to PG Charges on train bookings
  • Get 10% Off on Bus Bookings up to Rs. 300 
  • Receive a 10% Instant Off on Hotel Bookings up to Rs. 1,000 
  • Discounts on Flight, Hotel and Bus Bookings can be availed once per month
  • PG charges are waived twice per month
  • Avail 20 Reward Points for every Rs. 200 spent on Train Bookings with ixigo
  • Avail 10 Reward Points for every Rs. 200 spent on online purchases
  • Avail 5 Reward Points for every Rs. 200 spent offline
  •  1 Complimentary International Lounge Access every year
  • Priority Pass can be issued upon request
  • Get 16 Exclusive Complimentary Domestic Airport and Railway Lounge Access every year
  • Zero mark-up fee on international purchase
  • 1% surcharge waiver up to Rs. 250 on fuel transactions between Rs. 400 and Rs. 5,000 at all fuel stations in India
  • Avail plethora of options to redeem the Reward Points for amazing benefits. Some of them include: E-vouchers of top brands, Merchandise, Mobile/DTH recharges, Flight/Hotel bookings and much more
  • Zero liability on any fraudulent transactions made with the card after reporting the loss to the bank
  • Get protected against Travel Credit Card Counterfeit/Skimming and Online frauds
  • Credit Shield: Up to Rs. 1.5 Lakhs
  • Convert transactions worth Rs. 2,000 or more into easy EMI options on select tenure of choice. Simply call bank’s Customer Care helpline to book the XpressEMI
  • 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

  • Direct discounts on Ixigo travel bookings, and accelerated rewards
  • Domestic airport and railway lounge access
  • Discount on bus ticket bookings

Cons

  • Only 1 International Airport Lounge access
  • No Golf benefits
  • Priority Pass is issued only upon request

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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