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ICICI Bank Business Advantage Blue Card VS HDFC Business Regalia 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

ICICI Bank Business Advantage Blue Card
ICICI Bank Business Advantage Blue Card
HDFC Business Regalia Credit Card
HDFC Business Regalia Credit Card

Fees & Charges

Joining Fee
₹500 + GST
₹2,500 + GST
Renewal Fee
₹500 + GST
₹2,500 + GST
Spend Based Waiver
Joining fee waived on ₹50k spend in 60 days; annual fee waived on ₹5L spend/year.
Renewal fee waived off on spending more than ₹3 Lakhs in the previous anniversary year.
Foreign Transaction Fees
3.5% on all international transactions.
3.5% on all foreign currency spends.
Interest Rate (APR)
3.40% to 3.75% per month (40.80% to 45% annually) on outstanding balances.
3.75% per month (45% per annum) on outstanding amounts if not paid by due date.

Rewards & Benefits

Welcome Bonus
The joining fee of ₹500 + GST can be waived off if you spend ₹50,000 or more within the first 60 days of card issuance.
Rewards Rate
Up to 1% cashback on airline, hotel & restaurant spends; 0.20% on bill payments.
Earn 4 Reward Points on every ₹150 spent on all retail spends, including Insurance and Utilities.
Reward Type
Cashback
Reward Points
Reward Redemption Fee
Nil.
₹99 + GST for reward point redemption.

Travel & Lifestyle

Domestic Lounge Access
2 complimentary visits per quarter, max 8/year, on ₹36,000 spend in previous quarter.
12 complimentary lounge accesses per calendar year; revised to 8 from April 2025 with ₹1 Lakh spend.
International Lounge Access
Not applicable.
6 complimentary lounge accesses per calendar year via Priority Pass or directly with Diners/RuPay.
Travel Benefits
Assistance with flight/hotel reservations & 2 complimentary domestic lounge visits per quarter.
Comprehensive benefits for travel including lounge access, insurance (until April 2025), and flight/hotel redemption.
Movie Benefits
Not Applicable
Dining Benefits
Avail minimum 15% discount on dining bills at 2500+ partnered restaurants under Culinary Treats Program.
Enjoy FLAT 10% EXTRA OFF on dining bills at 35,000+ restaurants with Swiggy Dineout.
Golf Benefits
Not Applicable
Fuel Surcharge Waiver
1% waiver at HPCL, max ₹500/month, on fuel spends up to ₹5,000.
1% waiver on transactions ₹400-₹5,000, capped at ₹500 per statement cycle.

Security & Other

Insurance Benefits
Extensive coverage: Air accident (₹75L), accidental death (₹5L), medical (₹1L), lost card (₹1L).
Air Accidental death cover up to ₹1 Crore, Overseas Hospitalization up to ₹15 Lakhs (until April 2025).
Cash Advance Charges
2.5% of transaction amount or ₹300, whichever is higher.
2.5% of transaction amount or ₹500, whichever is higher.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

ICICI Bank Business Advantage Blue Card

HDFC Business Regalia Credit Card

Who is it for?

The ICICI Bank Business Advantage Blue Credit Card is tailored for professionals and entrepreneurs, offering valuable cashbacks on business expenses like airline, hotel, and restaurant spends. It provides significant savings through waivable fees, complimentary domestic lounge access, and extensive insurance coverage. With 24x7 concierge services and modern payment technology, it simplifies business spending and optimizes savings efficiently.

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.

Pros

Key benefits and features.

Excellent for entrepreneurs, optimizing business expenditures with significant savings.

Offers cashbacks on frequent business expenses, including airline, hotel, and dining.

Provides comprehensive insurance coverage, enhancing security and peace of mind.

Both joining and annual fees are reasonable and can be waived by meeting spend targets.

Includes valuable perks like domestic airport lounge access and 24x7 concierge services.

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.

Cons

Key drawbacks and limitations.

Cashback earnings are tiered and subject to statement balance thresholds, limiting initial rewards.

Cashback is restricted to specific categories like airline, hotel, and restaurant spends.

A maximum monthly cashback cap of ₹2,000 may limit significant high-spenders.

Does not offer any complimentary international airport lounge access benefits.

No cashback on common spends like fuel, insurance, or cash withdrawals.

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.

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.