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HDFC Business Regalia Credit Card VS BOBCARD ICSI Diamond 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: 18 July 2026

Both HDFC Business Regalia Credit Card and BOBCARD ICSI Diamond Credit Card 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. BOBCARD ICSI Diamond Credit Card is lifetime-free and earns up to 5 Reward Points per ₹100 on dining, online & utility bills; 1 RP per ₹100 on others. 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 ICSI Diamond Credit Card counters with 12 complimentary access passes annually (3 per quarter), subject to ₹40k spend from Jan 2025. If travel spending matters more, go with HDFC Business Regalia Credit Card; if business is the priority, BOBCARD ICSI Diamond Credit Card fits better.

HDFC Business Regalia Credit Card
HDFC Business Regalia Credit Card
BOBCARD ICSI Diamond Credit Card
BOBCARD ICSI Diamond Credit Card

Fees & Charges

Joining Fee₹2,500 + GST
Joining FeeLifetime Free
Renewal Fee₹2,500 + GST
Renewal FeeLifetime Free
Spend Based WaiverRenewal fee waived off on spending more than ₹3 Lakhs in the previous anniversary year.
Spend Based WaiverNot applicable as the card is lifetime free.
Foreign Transaction Fees3.5% on all foreign currency spends.
Foreign Transaction Fees2% 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)3.49% per month.

Rewards & Benefits

Welcome Bonus
Welcome BonusComplimentary 6-month FitPass Pro membership. 500 bonus Reward Points on spending ₹5,000 or more within 60 days.
Rewards RateEarn 4 Reward Points on every ₹150 spent on all retail spends, including Insurance and Utilities.
Rewards RateEarn 1 RP on every ₹100 retail spend; 5x RP on dining, online, utility bills (capped).
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 Access12 complimentary domestic airport lounge accesses annually (3 per quarter).
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 Benefits12 complimentary domestic lounge accesses annually; reduced 2% forex markup fee.
Movie Benefits
Movie Benefits
Dining BenefitsEnjoy FLAT 10% EXTRA OFF on dining bills at 35,000+ restaurants with Swiggy Dineout.
Dining BenefitsEarn 5x Reward Points on dining spends (capped at 1000 RP/cycle).
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% waiver on transactions ₹400-₹5,000, capped at ₹500 per statement cycle.
Fuel Surcharge Waiver1% waiver on fuel spends between ₹400-₹5,000, capped at ₹250 per month.

Security & Other

Insurance BenefitsAir Accidental death cover up to ₹1 Crore, Overseas Hospitalization up to ₹15 Lakhs (until April 2025).
Insurance BenefitsAir accident death cover (₹15L), non-air accident death cover (₹5L), professional indemnity (₹5L).
Cash Advance Charges2.5% of transaction amount or ₹500, whichever is higher.
Cash Advance Charges2.5% (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 ICSI Diamond 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 ICSI Diamond Credit Card is an exclusive, lifetime-free credit card designed for active ICSI members. It offers accelerated 5x rewards on dining, online, and utility spends, along with 12 complimentary domestic airport lounge accesses annually. With a low 2% foreign currency markup and comprehensive insurance, this card is ideal for professionals seeking strong rewards and travel benefits without annual fees.

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 card with zero joining and annual fees, offering great value.

Accelerated 5x Reward Points on dining, online, and utility bill payments.

Enjoy 12 complimentary domestic airport lounge accesses annually for travel convenience.

Reduced foreign currency markup of 2% makes international transactions more affordable.

Comprehensive insurance coverage provides financial security for cardholders.

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.

5x accelerated rewards are capped at 1000 Reward Points per statement cycle.

Complimentary lounge access will become spend-based from January 1, 2025.

No Reward Points are earned on fuel transactions, limiting benefits in this category.

UPI transactions only earn core Reward Points, missing out on bonus rewards.

Card is exclusively available only for active members of The Institute of Company Secretaries of India.

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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