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HDFC Business Regalia Credit Card VS Aditya Birla AU Bank Credit Cards

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

Features

HDFC Business Regalia Credit Card
HDFC Business Regalia Credit Card
Aditya Birla AU Bank Credit Cards
Aditya Birla AU Bank Credit Cards

Fees & Charges

Joining Fee
₹2,500 + GST
Nil
Renewal Fee
₹2,500 + GST
Nil
Spend Based Waiver
Renewal fee waived off on spending more than ₹3 Lakhs in the previous anniversary year.
Joining fee waiver on Rs. 15,000 spend, and renewal fee waiver on Rs. 1.5 lakh spend (ABC Pro).
Foreign Transaction Fees
3.5% on all foreign currency spends.
Ranges from 1.99% (ABC Pro) to 3.50% (ABC Flex, Biz) of the transaction amount.
Interest Rate (APR)
3.75% per month (45% per annum) on outstanding amounts if not paid by due date.
3.59% Per Month (43.08% Annually).

Rewards & Benefits

Welcome Bonus
Up to 1,000 Reward Points as welcome benefits; ABC Pro card offers 1,000 points on first transaction.
Rewards Rate
Earn 4 Reward Points on every ₹150 spent on all retail spends, including Insurance and Utilities.
Up to 10X Reward Points on select categories like Travel, Dining, Utilities; up to 6X on online spends.
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
₹99 + GST for reward point redemption.
Not Applicable

Travel & Lifestyle

Domestic Lounge Access
12 complimentary lounge accesses per calendar year; revised to 8 from April 2025 with ₹1 Lakh spend.
Complimentary domestic lounge access; 2 per quarter with Pro, or 1 per quarter optionally with Flex/Nxt.
International Lounge Access
6 complimentary lounge accesses per calendar year via Priority Pass or directly with Diners/RuPay.
Complimentary international lounge access, with 1 visit per year included with ABC Pro Credit Card.
Travel Benefits
Comprehensive benefits for travel including lounge access, insurance (until April 2025), and flight/hotel redemption.
Accelerated Reward Points on travel, free Railway Lounge Access, and optional 5% cashback.
Movie Benefits
Accelerated Reward Points on Movies & Entertainment categories.
Dining Benefits
Enjoy FLAT 10% EXTRA OFF on dining bills at 35,000+ restaurants with Swiggy Dineout.
Accelerated Reward Points, exclusive discounts up to 30% with partners, and optional 5% cashback.
Golf Benefits
Not Applicable
Fuel Surcharge Waiver
1% waiver on transactions ₹400-₹5,000, capped at ₹500 per statement cycle.
1% Fuel Surcharge Waiver is applicable.

Security & Other

Insurance Benefits
Air Accidental death cover up to ₹1 Crore, Overseas Hospitalization up to ₹15 Lakhs (until April 2025).
Not Applicable
Cash Advance Charges
2.5% of transaction amount or ₹500, whichever is higher.
2.5%.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

HDFC Business Regalia Credit Card

Aditya Birla AU Bank Credit Cards

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.

Who is it for?

Aditya Birla AU Bank Credit Cards offer a versatile suite catering to diverse needs, featuring lifetime free options and customizable benefits. They provide accelerated reward points on various categories like travel, dining, and business, along with exclusive memberships to popular platforms. Cardholders can also enjoy lounge access and tailored offers, making them suitable for both personal and business users seeking value and flexibility.

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.

Pros

Key benefits and features.

Lifetime free options eliminate joining and renewal charges for select card variants.

Offers innovative customizable features allowing users to tailor benefits like cashback and lounge access.

Accelerated reward points on diverse categories including travel, dining, utilities, and business expenses.

Provides exclusive memberships to popular platforms such as ZEE5, Amazon Prime, and Cult.fit.

Lower foreign currency markup available with ABC Pro, beneficial for international transactions.

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.

Cons

Key drawbacks and limitations.

The reward point earning structure varies significantly, making it complex to maximize benefits across cards.

Limited or no insurance and golf benefits, which are common offerings in other premium credit cards.

Lifetime free options are limited to specific variants, with other cards incurring joining and renewal fees.

The customizable features come with additional costs, reducing their overall value proposition.

Reward points are not earned on specific spends like Fuel, Jewellery, Insurance, and Rent for Flex card.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.