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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.

Features

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
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.
Nil. Lifetime free card with zero joining and annual fees, no waiver needed.
Foreign Transaction Fees
3.5% on all foreign currency spends.
2% 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
Complimentary 6-months Fitpass Pro Membership worth ₹15,000 & 500 Reward Points on ₹5k spend.
Rewards Rate
Earn 4 Reward Points on every ₹150 spent on all retail spends, including Insurance and Utilities.
Up to 5 Reward Points per ₹100 on dining, online & utility bills; 1 RP per ₹100 on others.
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.
12 complimentary access passes annually (3 per quarter), subject to ₹40k spend from Jan 2025.
International Lounge Access
6 complimentary lounge accesses per calendar year via Priority Pass or directly with Diners/RuPay.
Not Applicable
Travel Benefits
Comprehensive benefits for travel including lounge access, insurance (until April 2025), and flight/hotel redemption.
Complimentary domestic lounge access & low 2% foreign currency markup for international usage.
Movie Benefits
Not Applicable
Dining Benefits
Enjoy FLAT 10% EXTRA OFF on dining bills at 35,000+ restaurants with Swiggy Dineout.
Earn 5 Reward Points per ₹100 spent on dining.
Golf Benefits
Not Applicable
Fuel Surcharge Waiver
1% waiver on transactions ₹400-₹5,000, capped at ₹500 per statement cycle.
1% waiver on ₹400-₹5,000 transactions, 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).
Professional Indemnity (₹5L), Air accident death (₹15L), Non-air accident death (₹5L) cover.
Cash Advance Charges
2.5% of transaction amount or ₹500, whichever is higher.
2.5% (min ₹300) domestic ATMs; 3% (min ₹300) international ATMs.
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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 a lifetime-free, exclusive card for active ICSI members. It offers robust rewards up to 5x on dining, online & utilities, generous milestone bonuses, and complimentary domestic lounge access. Cardholders also benefit from comprehensive insurance, a low 2% foreign currency markup, and valuable perks like a fuel surcharge waiver and free add-on cards. This card delivers premium privileges and security tailored for professionals.

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, eliminating any concerns about joining or annual fees.

Offers robust reward programs with accelerated points and generous milestone bonuses.

Enjoy complimentary domestic lounge access and a competitive 2% foreign currency markup.

Provides extensive insurance coverage for professional indemnity and accidental death.

Includes valuable perks like fuel surcharge waiver, free add-on cards, and zero liability.

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.

Exclusive card available only to active members of the Institute of Company Secretaries of India.

Accelerated reward points on specific categories are capped at 1000 RPs per cycle.

Domestic lounge access will require a minimum spend condition from January 2025.

No complimentary international airport lounge access provided with this credit card.

Reward points are primarily offered, with direct cashback not being a primary earning type.

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.