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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.
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Last updated: 18 July 2026

Both HDFC Business Regalia Credit Card and myBiz ICICI Bank Business+ 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. myBiz ICICI Bank Business+ Credit Card costs ₹2,500 + GST and earns 1.25-4 myBiz Cash for every ₹200 spent, with highest rates on MMT myBiz flights/hotels. 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 myBiz ICICI Bank Business+ Credit Card counters with 2 complimentary domestic airport lounge visits per quarter at participating lounges in India. Weigh the fee against the reward rate above to see which fits your spending pattern better.

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
Joining Fee₹2,500 + 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 Fees3.5%
Interest Rate (APR)3.75% per month (45% per annum) on outstanding amounts if not paid by due date.
Interest Rate (APR)3.67% Monthly (44% Yearly)

Rewards & Benefits

Welcome Bonus
Welcome Bonus2500 myBiz Cash, ₹750 off on 7 flight bookings, ₹1500 off on 7 hotel bookings.
Rewards RateEarn 4 Reward Points on every ₹150 spent on all retail spends, including Insurance and Utilities.
Rewards RateEarn up to 4 myBiz Cash per ₹200 on myBiz app/website bookings; 1.25-1.5 myBiz Cash on other spends.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption Fee₹99 + GST for reward point redemption.
Reward Redemption Fee₹99

Travel & Lifestyle

Domestic Lounge Access12 complimentary lounge accesses per calendar year; revised to 8 from April 2025 with ₹1 Lakh spend.
Domestic Lounge Access2 complimentary domestic airport lounge visits per quarter at participating lounges in India.
International Lounge Access6 complimentary lounge accesses per calendar year via Priority Pass or directly with Diners/RuPay.
International Lounge Access1 complimentary visit per year to an international airport lounge.
Travel BenefitsComprehensive benefits for travel including lounge access, insurance (until April 2025), and flight/hotel redemption.
Travel BenefitsDiscounts on flights/hotels, no booking/rescheduling fees, complimentary meals on domestic flights via myBiz.
Movie Benefits
Movie Benefits
Dining BenefitsEnjoy FLAT 10% EXTRA OFF on dining bills at 35,000+ restaurants with Swiggy Dineout.
Dining Benefits
Golf Benefits
Golf Benefits
Fuel Surcharge Waiver1% waiver on transactions ₹400-₹5,000, capped at ₹500 per statement cycle.
Fuel Surcharge Waiver1% surcharge waiver across all petrol pumps

Security & Other

Insurance BenefitsAir Accidental death cover up to ₹1 Crore, Overseas Hospitalization up to ₹15 Lakhs (until April 2025).
Insurance Benefits
Cash Advance Charges2.5% of transaction amount or ₹500, whichever is higher.
Cash Advance Charges2.5% or a minimum of ₹300
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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 an affordable business credit card specifically designed to cater to business and travel requirements. It offers a competitive reward rate on travel, complimentary airport lounge access, and discounts on travel bookings. Ideal for businesses that frequently book travel, it comes with no renewal fees after the first year, making it a cost-effective choice for corporate travel management.

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.

Enjoy a one-time joining fee with no renewal charges from the second year onwards.

Earn high rewards and accelerated myBiz Cash on all travel bookings via myBiz MMT.

Benefit from complimentary access to both domestic and international airport lounges.

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.

Benefits are largely concentrated on myBiz MMT travel bookings, limiting broader utility.

A foreign currency markup of 3.5% applies to international transactions, increasing costs.

A redemption fee of ₹99 is charged for converting myBiz Cash, reducing overall value.

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 myBiz ICICI Bank Business+ Credit Card(opens in new tab)