HDFC Bank BizPower Credit Card VS HDFC Business Regalia Credit Card
HDFC Business Regalia Credit Card and HDFC Bank BizPower Credit Card target different spending habits, so the better fit depends on where your money actually goes. 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. HDFC Bank BizPower Credit Card is lifetime-free. HDFC Business Regalia Credit Card also brings 12 complimentary lounge accesses per calendar year; revised to 8 from April 2025 with ₹1 Lakh spend. Weigh the fee against the reward rate above to see which fits your spending pattern better.
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
HDFC Bank BizPower Credit Card
HDFC Business Regalia Credit Card
Who is it for?
Who is it for?
Pros
Key benefits and features.
Earn 5X reward points on essential business spends like tax, GST, Google Ads, and business software.
Offers extensive complimentary domestic and international lounge access for business travelers.
High reward point value, up to ₹0.65 per point, offering excellent returns on business spending.
Low foreign currency markup of 2% makes international business transactions more cost-effective.
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.
No inherent comprehensive insurance benefits; business insurance plans require separate purchase.
Does not offer a fuel surcharge waiver, increasing costs on fuel transactions.
A reward redemption fee of ₹99 plus GST is charged for each redemption.
Accelerated reward points are capped at 7,500 per statement cycle, limiting high earners.
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.