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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.

Features

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
Nil
Renewal Fee
₹2,500 + GST
₹250 + GST
Spend Based Waiver
Renewal fee waived off on spending more than ₹3 Lakhs in the previous anniversary year.
Annual renewal fee is waived off if you spend ₹50,000 or more in the previous anniversary year.
Foreign Transaction Fees
3.5% on all foreign currency spends.
3.5% of the total transaction amount.
Interest Rate (APR)
3.75% per month (45% per annum) on outstanding amounts if not paid by due date.
3.49% per month.

Rewards & Benefits

Welcome Bonus
Earn 500 Reward Points on spending ₹5,000 within 60 days of card issuance.
Rewards Rate
Earn 4 Reward Points on every ₹150 spent on all retail spends, including Insurance and Utilities.
Earn 1 Reward Point for every ₹100 spent on all eligible Merchant Category Codes.
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
₹99 + GST for reward point redemption.
Nil

Travel & Lifestyle

Domestic Lounge Access
12 complimentary lounge accesses per calendar year; revised to 8 from April 2025 with ₹1 Lakh spend.
International Lounge Access
6 complimentary lounge accesses per calendar year via Priority Pass or directly with Diners/RuPay.
Travel Benefits
Comprehensive benefits for travel including lounge access, insurance (until April 2025), and flight/hotel redemption.
Movie Benefits
Dining Benefits
Enjoy FLAT 10% EXTRA OFF on dining bills at 35,000+ restaurants with Swiggy Dineout.
Golf Benefits
Fuel Surcharge Waiver
1% waiver on transactions ₹400-₹5,000, capped at ₹500 per statement cycle.
1% waiver on fuel transactions between ₹400 and ₹5,000, capped at ₹250 per statement cycle.

Security & Other

Insurance Benefits
Air Accidental death cover up to ₹1 Crore, Overseas Hospitalization up to ₹15 Lakhs (until April 2025).
Air accidental death cover worth ₹15 lakhs and non-air accidental death cover worth ₹5 lakhs.
Cash Advance Charges
2.5% of transaction amount or ₹500, whichever is higher.
2.5% (min ₹300) domestic, 3% (min ₹300) international.
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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 tailored for proprietors and self-employed individuals, providing a smart solution for managing business expenses. It offers a zero joining fee, affordable renewal fee with waiver options, and a decent reward rate redeemable as cashback. Cardholders also benefit from complimentary insurance covers, fuel surcharge waivers, and features for tracking employee spends and simplifying bill settlements, making it an accessible business partner.

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.

An excellent choice for small business owners managing their finances efficiently.

Facilitates convenient tracking of all card spends and simplifies bill payments.

Provides valuable insurance benefits for accidental death cover for cardholders.

Offers up to 50 days of interest-free credit to support diverse business needs.

Enjoy a personalised card look and contactless payments for added convenience.

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 general reward rate of 0.25% cashback on most spends is relatively low.

Lacks any premium travel benefits, including domestic or international lounge access.

The foreign currency markup of 3.5% can be quite high for international transactions.

Fuel surcharge waiver is capped at ₹250 per month, limiting potential savings.

Welcome benefits are modest, offering only 500 reward points for initial spends.

Ready to Choose?

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