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HDFC Business Regalia Credit Card VS BOBCARD Empower 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: 21 July 2026

Both HDFC Business Regalia Credit Card and BOBCARD Empower Credit Card suit business-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. BOBCARD Empower Credit Card is lifetime-free and earns 1 Reward Point for every ₹100 spent on all eligible Merchant Category Codes. 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 BOBCARD Empower Credit Card counters with air accidental death cover worth ₹15 lakhs and non-air accidental death cover worth ₹5 lakhs. If travel spending matters more, go with HDFC Business Regalia Credit Card; if business is the priority, BOBCARD Empower Credit Card fits better.

HDFC Business Regalia Credit Card
HDFC Business Regalia Credit Card
BOBCARD Empower Credit Card
BOBCARD Empower Credit Card

Fees & Charges

Joining Fee₹2,500 + GST
Joining FeeFree (1st year)
Renewal Fee₹2,500 + GST
Renewal Fee₹250 + GST
Spend Based WaiverRenewal fee waived off on spending more than ₹3 Lakhs in the previous anniversary year.
Spend Based WaiverThe annual/renewal fee is waived on spending ₹50,000 or more in the previous anniversary year.
Foreign Transaction Fees3.5% on all foreign currency spends.
Foreign Transaction Fees3.5% of the total transaction amount.
Interest Rate (APR)3.75% per month (45% per annum) on outstanding amounts if not paid by due date.
Interest Rate (APR)3.75% per month (45% per annum).

Rewards & Benefits

Welcome Bonus
Welcome BonusEarn 500 Reward Points on spending ₹5,000 or more within the first 60 days of card issuance.
Rewards RateEarn 4 Reward Points on every ₹150 spent on all retail spends, including Insurance and Utilities.
Rewards Rate5 Reward Points for every ₹100 on utility payments (max 1,000 points/cycle); 1 Reward Point for every ₹100 on other retail spends.
Reward TypeReward Points
Reward TypeReward Points
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 Access
International Lounge Access6 complimentary lounge accesses per calendar year via Priority Pass or directly with Diners/RuPay.
International Lounge Access
Travel BenefitsComprehensive benefits for travel including lounge access, insurance (until April 2025), and flight/hotel redemption.
Travel Benefits
Movie Benefits
Movie Benefits
Dining BenefitsEnjoy FLAT 10% EXTRA OFF on dining bills at 35,000+ restaurants with Swiggy Dineout.
Dining Benefits
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% waiver on transactions ₹400-₹5,000, capped at ₹500 per statement cycle.
Fuel Surcharge Waiver1% waiver on transactions ₹400-₹5,000, capped at ₹250/month. GST applicable.

Security & Other

Insurance BenefitsAir Accidental death cover up to ₹1 Crore, Overseas Hospitalization up to ₹15 Lakhs (until April 2025).
Insurance BenefitsComplimentary insurance covers (details not specified).
Cash Advance Charges2.5% of transaction amount or ₹500, whichever is higher.
Cash Advance Charges2.5% of withdrawn amount or ₹500, whichever is higher.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

HDFC Business Regalia Credit Card

BOBCARD Empower Credit Card

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 BOBCARD Empower Credit Card is designed for proprietors, self-employed individuals, and small businesses to manage expenses efficiently. It offers a zero joining fee, waivable annual fee, and a decent reward rate with accelerated points on utility payments. Key benefits include a 1% fuel surcharge waiver, up to 50 days interest-free credit, and features for business convenience like expense tracking and streamlined bill settlement, making it an excellent choice for basic credit requirements.

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.

Zero joining fee and an annual fee that is easily waived with moderate spending.

Earn 5X Reward Points on utility payments, maximizing savings on essential bills.

Benefit from up to 50 days of interest-free credit, aiding business cash flow management.

Includes a 1% fuel surcharge waiver, providing savings on regular fuel expenses.

Offers business-centric features like expense tracking and personalized card embossing.

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.

Lacks premium lifestyle benefits such as lounge access, movies, dining, or travel perks.

Reward points are not earned on fuel transactions, limiting overall reward accumulation.

Details regarding the complimentary insurance covers are not explicitly specified.

A slight discrepancy in the stated annual fee (₹250 + GST vs. ₹500) exists.

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 HDFC Business Regalia Credit Card(opens in new tab)Apply for BOBCARD Empower Credit Card(opens in new tab)