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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.
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Last updated: 18 July 2026

Both HDFC Business Regalia Credit Card and Aditya Birla AU Bank Credit Cards suit travel-focused spenders, but they earn and cost differently. 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. Aditya Birla AU Bank Credit Cards is lifetime-free and earns up to 10X Reward Points on select categories like Travel, Dining, Utilities; up to 6X on online spends. HDFC Business Regalia Credit Card also brings 12 complimentary lounge accesses per calendar year; revised to 8 from April 2025 with ₹1 Lakh spend, while Aditya Birla AU Bank Credit Cards counters with complimentary domestic lounge access; 2 per quarter with Pro, or 1 per quarter optionally with Flex/Nxt. Weigh the fee against the reward rate above to see which fits your spending pattern better.

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
Joining Fee₹900 + GST
Renewal Fee₹2,500 + GST
Renewal Fee₹900 + GST
Spend Based WaiverRenewal fee waived off on spending more than ₹3 Lakhs in the previous anniversary year.
Spend Based WaiverJoining fee waiver on ₹15K spend (Pro); renewal fee waiver on ₹1.5L spend (Pro).
Foreign Transaction Fees3.5% on all foreign currency spends.
Foreign Transaction FeesRanges from 1.99% (Pro) to 3.50% (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.
Interest Rate (APR)3.59% Per Month (43.08% Annually) on outstanding balances.

Rewards & Benefits

Welcome Bonus
Welcome BonusUp to 1,000 Reward Points or a 3-month Amazon Prime Membership on meeting spend criteria.
Rewards RateEarn 4 Reward Points on every ₹150 spent on all retail spends, including Insurance and Utilities.
Rewards RateUp to 10X Reward Points on select categories; 1 RP per ₹200 for ABC Flex.
Reward TypeReward Points
Reward TypeReward Points, Cashback
Reward Redemption Fee₹99 + GST for reward point redemption.
Reward Redemption FeeNil

Travel & Lifestyle

Domestic Lounge Access12 complimentary lounge accesses per calendar year; revised to 8 from April 2025 with ₹1 Lakh spend.
Domestic Lounge Access2 free visits per quarter for ABC Pro; 1 per quarter (customizable) for Flex/Nxt.
International Lounge Access6 complimentary lounge accesses per calendar year via Priority Pass or directly with Diners/RuPay.
International Lounge Access
1 free visit per year for ABC Pro; available via customizable features for other cards.
Travel BenefitsComprehensive benefits for travel including lounge access, insurance (until April 2025), and flight/hotel redemption.
Travel BenefitsFree Railway Lounge Access; 5% cashback on travel spends (customizable feature).
Movie Benefits
Movie BenefitsAccelerated Reward Points on Entertainment for ABC Pro cardholders.
Dining BenefitsEnjoy FLAT 10% EXTRA OFF on dining bills at 35,000+ restaurants with Swiggy Dineout.
Dining BenefitsAccelerated Reward Points & exclusive discounts; EazyDiner membership for Pro cardholders.
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% waiver on transactions ₹400-₹5,000, capped at ₹500 per statement cycle.
Fuel Surcharge Waiver1% Fuel Surcharge Waiver is applicable on fuel transactions.

Security & Other

Insurance BenefitsAir Accidental death cover up to ₹1 Crore, Overseas Hospitalization up to ₹15 Lakhs (until April 2025).
Insurance BenefitsExclusive offers & discounts on ABC Loans, Insurance, and Investment products.
Cash Advance Charges2.5% of transaction amount or ₹500, whichever is higher.
Cash Advance Charges2.5% of the cash advance amount.
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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?

The Aditya Birla AU Bank Credit Cards are a versatile new range designed for diverse users, from individuals to businesses. They offer unique benefits like lifetime free options, customizable features, and exclusive memberships to platforms such as ZEE5 and Amazon Prime. Cardholders can enjoy accelerated reward points on various categories, extensive lounge access, and options for reduced foreign currency markup. These cards cater to those seeking tailored financial solutions with strong rewards and lifestyle perks.

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.

Offers lifetime free credit card options, reducing annual financial burden significantly.

Unique customizable features allow tailoring benefits like cashback and lounge access.

Accelerated reward points across diverse categories including travel, dining, and utilities.

Includes exclusive memberships to popular platforms like Amazon Prime and ZEE5.

Provides specific card variants catering to business needs and international spends.

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 multi-card structure can make understanding specific benefits complex for users.

Customizable features, while flexible, often come with an additional monthly cost.

Standard foreign currency markup is high on some variants, impacting international spends.

Reward points are not earned on certain categories like fuel, insurance, and rent.

High interest rates of 3.59% per month apply if balances are carried over.

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.
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