RBL Platinum Delight Credit Card vs HDFC Business Regalia Credit Card

Joining Fees

₹1,000

₹2,500

Editor's Rating

3.7

4

Key Features

  • Reward on all purchases
  • Monthly Bonus Reward Points
  • Annual Spend Benefit
  • Fuel Surcharge Waiver
  • Swipe your Card within 30 days of issuance and earn 4000 Reward points as a welcome gift
  • Earn Two Reward Points for every Rs.100 spent on all your purchases
  • Avail Four Reward Points for every Rs.100 spent during the weekends!
  • A welcome benefit of 4000 Reward points will be credited on payment of Joining Fee and first swipe of the card. Reward points are not accrued on fuel spends.
  • Earn 1,000 Bonus Reward Points every month on swiping the Card five times for transactions worth Rs.1,000 or more in a calendar month.
  • Drive wherever you desire and gain more with savings on fuel spends- Enjoy fuel surcharge waiver at any petrol pump in India. Valid for fuel transactions between Rs.500 and Rs.4000. Maximum waiver of Rs. 150 per month.
  • Explore the wide range of exclusive benefits offered by Platinum Delight Credit Card that has an annual fee of Rs.1000.
  • Next year fee will be waived on crossing spends of Rs.1.5 Lakh in the previous year. 

NOTE: Enjoy 2X Rewards on weekends, 1000 bonus rewards every month and waiver of fuel surcharge

  • 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

  • Reward on all purchases
  • Earn 1,000 Bonus Reward Points every month on swiping the Card five times for transactions worth Rs.1,000 or more in a calendar month.
  • Swipe your Card within 30 days of issuance and earn 4000 Reward points as a welcome gift

Cons

  • No golf/coaching sessions
  • No complimentary Airport Lounge Access

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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