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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.

Features

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
₹1 + GST
Renewal Fee
₹2,500 + GST
Nil
Spend Based Waiver
Renewal fee waived off on spending more than ₹3 Lakhs in the previous anniversary year.
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 and 500 bonus points.
Rewards Rate
Earn 4 Reward Points on every ₹150 spent on all retail spends, including Insurance and Utilities.
Earn 5X Rewards (5 pts/₹100) on dining, online, utility (capped 1k pts/cycle); 1 pt/₹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 1, 2025.
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.
Travel benefits: 12 complimentary domestic lounge access visits and a low 2% foreign currency markup.
Movie Benefits
Dining Benefits
Enjoy FLAT 10% EXTRA OFF on dining bills at 35,000+ restaurants with Swiggy Dineout.
5X Reward Points on dining spends, capped at 1,000 points per cycle.
Golf Benefits
Fuel Surcharge Waiver
1% waiver on transactions ₹400-₹5,000, capped at ₹500 per statement cycle.
1% waiver on transactions ₹400-₹5,000, max ₹250/cycle. No reward points on fuel.

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% or min ₹300 (domestic ATMs). 3% or min ₹300 (international ATMs).
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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 is a lifetime-free card exclusively for ICMAI professionals. It features a minimal ₹1 joining fee and offers accelerated rewards on dining, online, and utility spends. Cardholders enjoy complimentary domestic lounge access, a low foreign currency markup, and extensive insurance benefits. Welcome and milestone rewards further enhance its value, making it a well-rounded financial tool.

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.

A lifetime-free credit card for ICMAI members with a nominal ₹1 joining fee.

Provides 12 complimentary domestic lounge visits annually, enhancing travel convenience.

Offers a competitive 2% foreign currency markup, beneficial for international spends.

Includes comprehensive insurance like professional indemnity and accident death cover.

Generous milestone rewards providing 4,000 bonus points quarterly on high spending.

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 card's exclusivity means only ICMAI professionals are eligible to apply.

Complimentary lounge access is subject to a minimum spend from January 2025.

Accelerated reward points on key categories are capped at 1,000 points per cycle.

Lack of international lounge access might be a drawback for global travelers.

No specific benefits or discounts are offered for movie or entertainment categories.

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.