Skip to main content

HDFC Business Regalia Credit Card VS myBiz ICICI Bank Business+ 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
myBiz ICICI Bank Business+ Credit Card
myBiz ICICI Bank Business+ Credit Card

Fees & Charges

Joining Fee
₹2,500 + GST
₹2,500 + 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.
Not applicable
Foreign Transaction Fees
3.5% on all foreign currency spends.
3.5%
Interest Rate (APR)
3.75% per month (45% per annum) on outstanding amounts if not paid by due date.
3.67% monthly (equivalent to 44% yearly)

Rewards & Benefits

Welcome Bonus
Receive 2500 myBiz Cash, flat ₹750 off on domestic/int'l flights & ₹1,500 off on hotel bookings.
Rewards Rate
Earn 4 Reward Points on every ₹150 spent on all retail spends, including Insurance and Utilities.
Earn 1.25-4 myBiz Cash for every ₹200 spent, with highest rates on MMT myBiz flights/hotels.
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
₹99 + GST for reward point redemption.
₹99

Travel & Lifestyle

Domestic Lounge Access
12 complimentary lounge accesses per calendar year; revised to 8 from April 2025 with ₹1 Lakh spend.
2 complimentary domestic airport lounge visits per quarter at participating lounges in India.
International Lounge Access
6 complimentary lounge accesses per calendar year via Priority Pass or directly with Diners/RuPay.
1 complimentary visit per year to an international airport lounge worldwide.
Travel Benefits
Comprehensive benefits for travel including lounge access, insurance (until April 2025), and flight/hotel redemption.
Discounts/offers on MMT myBiz bookings, no booking fees on hotels, no rescheduling on domestic flights.
Movie Benefits
Not applicable
Dining Benefits
Enjoy FLAT 10% EXTRA OFF on dining bills at 35,000+ restaurants with Swiggy Dineout.
Not applicable
Golf Benefits
Not applicable
Fuel Surcharge Waiver
1% waiver on transactions ₹400-₹5,000, capped at ₹500 per statement cycle.
1% surcharge waiver across all petrol pumps

Security & Other

Insurance Benefits
Air Accidental death cover up to ₹1 Crore, Overseas Hospitalization up to ₹15 Lakhs (until April 2025).
Not applicable
Cash Advance Charges
2.5% of transaction amount or ₹500, whichever is higher.
2.5% or a minimum of ₹300
Apply Now(opens in new tab)
Apply Now(opens in new tab)
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

HDFC Business Regalia Credit Card

myBiz ICICI Bank Business+ 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 myBiz ICICI Bank Business+ Credit Card is tailored for business and travel, offering myBiz Cash rewards redeemable on MakeMyTrip. It has a one-time joining fee offset by welcome benefits, effectively making it lifetime-free. Enjoy travel perks like lounge access and discounts on flight/hotel bookings, ideal for frequent business travelers.

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.

Features only a one-time joining fee, with no renewal charges.

Welcome benefits provide an equal value in myBiz Cash, effectively waiving the first year's fee.

Offers complimentary domestic and international airport lounge access.

Provides accelerated rewards for travel bookings made via MakeMyTrip myBiz.

Offers a valuable 1% fuel surcharge waiver across all petrol pumps, reducing fuel costs.

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.

Its benefits are heavily concentrated on travel bookings through MMT myBiz, limiting broader appeal.

A rewards redemption fee of ₹99 applies, which can reduce the overall value of earned points.

A foreign currency markup of 3.5% is charged on international transactions, increasing overseas spend costs.

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.