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HDFC Business Regalia Credit Card VS CMA One BOBCARD 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 CMA One BOBCARD 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. CMA One BOBCARD Credit Card costs ₹1 + GST and earns 5X Rewards (5 pts/₹100) on dining, online, utility (capped 1k pts/cycle); 1 pt/₹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 CMA One BOBCARD Credit Card counters with 12 complimentary access passes annually (3 per quarter). Subject to ₹40K spend from Jan 1, 2025. If travel spending matters more, go with HDFC Business Regalia Credit Card; if business is the priority, CMA One BOBCARD Credit Card fits better.

HDFC Business Regalia Credit Card
HDFC Business Regalia Credit Card
CMA One BOBCARD Credit Card
CMA One BOBCARD Credit Card

Fees & Charges

Joining Fee₹2,500 + GST
Joining Fee₹1 + GST
Renewal Fee₹2,500 + GST
Renewal FeeFree (1st year)
Spend Based WaiverRenewal fee waived off on spending more than ₹3 Lakhs in the previous anniversary year.
Spend Based Waiver
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 RPs on ₹5k spend in 60 days.
Rewards RateEarn 4 Reward Points on every ₹150 spent on all retail spends, including Insurance and Utilities.
Rewards Rate1 RP per ₹100 on retail; 5x RP on dining, utility, online (capped at 1,000 RP/cycle).
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 visits/year (3/quarter); subject to ₹40k spend in preceding quarter from Jan 2025.
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 access annually; 2% reduced forex markup on international spends.
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 1,000 RP per statement 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 (₹400-₹5,000), capped at ₹250 per statement cycle.

Security & Other

Insurance BenefitsAir Accidental death cover up to ₹1 Crore, Overseas Hospitalization up to ₹15 Lakhs (until April 2025).
Insurance Benefits₹15L air accident, ₹5L non-air accident death cover, ₹5L Professional Indemnity Insurance.
Cash Advance Charges2.5% of transaction amount or ₹500, whichever is higher.
Cash Advance Charges2.5% or min ₹300 (domestic); 3% or min ₹300 (international).
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

HDFC Business Regalia Credit Card

CMA One BOBCARD 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 CMA One BOBCARD Credit Card, with a one-time fee of only Re. 1, is essentially a lifetime free credit card designed exclusively for ICMAI members. It offers a comprehensive suite of privileges, including a reasonable reward rate, travel benefits like domestic lounge access and low forex markup, and valuable milestone rewards. Considering its affordability, the card provides significant value, making it an excellent choice for eligible ICMAI members seeking a feature-rich credit card without high 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.

Effectively a lifetime free card with a minimal one-time joining fee of just ₹1.

Enjoy a valuable complimentary 6-month FitPass Pro membership as a welcome benefit.

Benefit from 12 complimentary domestic airport lounge access visits every year.

Save on international transactions with a competitive and reduced 2% forex markup fee.

Comprehensive insurance coverage including air accident and professional indemnity.

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.

Card is exclusively available for active ICMAI members, limiting broader access.

Accelerated 5x rewards on key categories are capped at 1,000 RPs per statement cycle.

Domestic lounge access will require a minimum spend of ₹40,000 per quarter from Jan 2025.

Fuel transactions do not accrue any Reward Points, reducing overall earning potential.

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 CMA One BOBCARD Credit Card(opens in new tab)