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AU Corporate Credit Card VS HDFC Business Regalia Credit Card

A detailed, side-by-side look at 2 leading credit cards. Analyze the features that matter most to you and make an informed choice.
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Last updated: 18 July 2026

Both AU Corporate Credit Card and HDFC Business Regalia Credit Card suit business-focused spenders, but they earn and cost differently. AU Corporate Credit Card is lifetime-free and earns not Applicable. HDFC Business Regalia Credit Card costs ₹2,500 + GST and earns 4 Reward Points on every ₹150 spent on all retail spends, including Insurance and Utilities. AU Corporate Credit Card also brings 8 complimentary domestic lounge accesses per annum (max 2 per calendar quarter) via VISA, while HDFC Business Regalia Credit Card counters with 12 complimentary lounge accesses per calendar year; revised to 8 from April 2025 with ₹1 Lakh spend. If business spending matters more, go with AU Corporate Credit Card; if travel is the priority, HDFC Business Regalia Credit Card fits better.

AU Corporate Credit Card
AU Corporate Credit Card
HDFC Business Regalia Credit Card
HDFC Business Regalia Credit Card

Fees & Charges

Joining FeeLifetime Free
Joining Fee₹2,500 + GST
Renewal FeeLifetime Free
Renewal Fee₹2,500 + GST
Spend Based Waiver
Spend Based WaiverRenewal fee waived off on spending more than ₹3 Lakhs in the previous anniversary year.
Foreign Transaction Fees2.99%
Foreign Transaction Fees3.5% on all foreign currency spends.
Interest Rate (APR)3.49% per month; 41.88% annually
Interest Rate (APR)3.75% per month (45% per annum) on outstanding amounts if not paid by due date.

Rewards & Benefits

Welcome Bonus
Welcome Bonus
Rewards Rate
Rewards RateEarn 4 Reward Points on every ₹150 spent on all retail spends, including Insurance and Utilities.
Reward Type
Reward TypeReward Points
Reward Redemption Fee
Reward Redemption Fee₹99 + GST for reward point redemption.

Travel & Lifestyle

Domestic Lounge AccessTwo complimentary visits to domestic airport lounges every quarter.
Domestic Lounge Access12 complimentary lounge accesses per calendar year; revised to 8 from April 2025 with ₹1 Lakh spend.
International Lounge Access
International Lounge Access6 complimentary lounge accesses per calendar year via Priority Pass or directly with Diners/RuPay.
Travel BenefitsComplimentary domestic airport lounge access and travel protections up to ₹50,000 for various travel inconveniences.
Travel BenefitsComprehensive benefits for travel including lounge access, insurance (until April 2025), and flight/hotel redemption.
Movie Benefits
Movie Benefits
Dining Benefits
Dining BenefitsEnjoy FLAT 10% EXTRA OFF on dining bills at 35,000+ restaurants with Swiggy Dineout.
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% waiver for transactions between ₹400-₹5,000, capped at ₹200 per statement cycle.
Fuel Surcharge Waiver1% waiver on transactions ₹400-₹5,000, capped at ₹500 per statement cycle.

Security & Other

Insurance BenefitsComprehensive insurance coverage, including air accident cover up to ₹50 lakhs and travel protections.
Insurance BenefitsAir Accidental death cover up to ₹1 Crore, Overseas Hospitalization up to ₹15 Lakhs (until April 2025).
Cash Advance Charges2.5% of the over-limit amount (minimum ₹500)
Cash Advance Charges2.5% of transaction amount or ₹500, whichever is higher.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

AU Corporate Credit Card

HDFC Business Regalia Credit Card

Who is it for?

The AU Corporate Credit Card is a lifetime-free solution from AU Bank, designed to streamline business expense management. It offers significant cost savings with zero joining and renewal fees, alongside valuable benefits like complimentary domestic airport lounge access and a fuel surcharge waiver. Businesses also gain comprehensive insurance coverage and an integrated web-based tool for efficient expense tracking. This card is ideal for companies prioritizing financial efficiency, security, and simplified operations.

Who is it for?

The HDFC Business Regalia Credit Card is a premium offering tailored for business professionals, providing significant benefits across travel, shopping, and dining. It offers 4 Reward Points on every ₹150 spent, alongside extensive domestic and international lounge access. Key features include a renewal fee waiver, comprehensive protection, and flexible EMI options, making it ideal for managing both business and personal expenses effectively.

Pros

Key benefits and features.

Integrated web-based tool for easy expense tracking and efficient management.

Zero liability for fraudulent transactions if the card is reported lost or stolen.

Enjoy significant cost savings with zero joining and renewal fees, making it a lifetime-free card.

Access complimentary domestic airport lounges twice every quarter for comfortable travel.

Benefit from comprehensive insurance coverage, including air accident cover up to ₹50 lakhs.

Pros

Key benefits and features.

Offers a competitive reward rate of 4 points per ₹150 across diverse spending categories.

Provides extensive lounge access: 8 domestic & 6 international visits yearly for cardholders.

Includes valuable insurance benefits like air accidental cover up to ₹1 Crore till April 2025.

Features a renewal fee waiver on annual spends above ₹3 Lakhs, enhancing long-term value.

Offers a flexible interest-free credit period up to 50 days, aiding business expense management.

Cons

Key drawbacks and limitations.

The card lacks welcome benefits and any additional rewards programs for users.

A foreign currency markup of 2.99% can increase costs for international business transactions.

High annual interest rate of 41.88% makes carrying balances expensive for businesses.

Cons

Key drawbacks and limitations.

Some key benefits like insurance and business cashback are being discontinued or revised soon.

Domestic lounge access will require a minimum spend of ₹1 Lakh per quarter from April 2025.

High foreign currency markup of 3.5% makes international spends less rewarding for users.

Reward points on groceries are capped at 2,000 per month, limiting benefits in this category.

Welcome benefits are not explicitly offered with the HDFC Business Regalia Credit Card.

How We Compare These Cards

Every comparison on CardsForYou is built from the same verified data set we use across the site - joining and renewal fees, reward rates, forex markup, lounge access, and insurance benefits - sourced directly from each issuer and refreshed regularly. We highlight the lower-cost option on fees automatically, but "best" always depends on your own spending pattern: a card that wins on annual fee may lose on reward rate for a heavy spender, and vice versa. Use the table above alongside your own typical monthly spend to judge real value, not just the headline numbers.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.
Apply for AU Corporate Credit Card(opens in new tab)Apply for HDFC Business Regalia Credit Card(opens in new tab)