My Business Credit Card – Axis Bank vs HDFC Regalia Credit Card
Joining Fees
₹999
₹2,500
Editor's Rating
4.3
4
Key Features
- On any transaction over RS. 2,500, convert purchases to EMI
- Use My Business Credit card to withdraw cash unto 30% of your credit limit from over 1 million Visa ATMs
- Initiate a simple Standing Instruction on your credit card to ensure utility bills are paid on time every month
- Avail two Complimentary Airport Lounge visit within India every quarter
- 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
Editor's Review
Pros
- 1% fuel surcharge waiver on all fuel transactions in India
- Low joining and renewable fees
- Earn eEDGE REWARD points for transactions and 500+ rewards and offers to redeem points with every Rs. 200 spent on the credit card
Cons
- No complimentary Golf/coaching sessions
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
