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IDFC FIRST Bank Business Credit 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.
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Last updated: 21 July 2026

Both IDFC FIRST Bank Business Credit Card and HDFC Business Regalia Credit Card suit business-focused spenders, but they earn and cost differently. IDFC FIRST Bank Business Credit Card costs ₹499 + GST and earns up to 10X Reward Points on foreign currency, 4X on business utility & digital advertising. 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. IDFC FIRST Bank Business Credit Card also brings 2 complimentary domestic lounge visits per quarter, on minimum monthly spend of ₹20,000, while HDFC Business Regalia Credit Card counters with 12 complimentary lounge accesses per calendar year; revised to 8 from April 2025 with ₹1 Lakh spend. If business spending matters more, go with IDFC FIRST Bank Business Credit Card; if travel is the priority, HDFC Business Regalia Credit Card fits better.

IDFC FIRST Bank Business Credit Card
IDFC FIRST Bank Business Credit Card
HDFC Business Regalia Credit Card
HDFC Business Regalia Credit Card

Fees & Charges

Joining Fee₹499 + GST
Joining Fee₹2,500 + GST
Renewal Fee₹999 + GST
Renewal Fee₹2,500 + GST
Spend Based Waiver
Spend Based WaiverRenewal fee waived off on spending more than ₹3 Lakhs in the previous anniversary year.
Foreign Transaction Fees1.99%
Foreign Transaction Fees3.5% on all foreign currency spends.
Interest Rate (APR)Low Interest Variant: 1.5-2% p.m. High Reward Variant: 3% p.m. 3.99% p.m. on less than Min Due.
Interest Rate (APR)3.75% per month (45% per annum) on outstanding amounts if not paid by due date.

Rewards & Benefits

Welcome Bonus
Welcome Bonus
Rewards RateUp to 10X Reward Points on business spends (forex, utility, digital ad). Choose low interest or high rewards.
Rewards RateEarn 4 Reward Points on every ₹150 spent on all retail spends, including Insurance and Utilities.
Reward TypeReward Points
Reward TypeReward Points
Reward Redemption Fee₹99 + GST per redemption instance.
Reward Redemption Fee₹99 + GST for reward point redemption.

Travel & Lifestyle

Domestic Lounge Access2 complimentary airport lounge visits per quarter (domestic/international) on ₹20,000 spend in previous month.
Domestic Lounge Access12 complimentary lounge accesses per calendar year; revised to 8 from April 2025 with ₹1 Lakh spend.
International Lounge Access2 complimentary airport lounge visits per quarter (domestic/international) on ₹20,000 spend in previous month.
International Lounge Access6 complimentary lounge accesses per calendar year via Priority Pass or directly with Diners/RuPay.
Travel BenefitsUp to 25% bonus on hotel/travel bookings via app. Includes comprehensive travel insurance benefits.
Travel BenefitsComprehensive benefits for travel including lounge access, insurance (until April 2025), and flight/hotel redemption.
Movie Benefits
Movie Benefits
Dining Benefits1X/2X Reward Points on rentals, restaurants & utility.
Dining BenefitsEnjoy FLAT 10% EXTRA OFF on dining bills at 35,000+ restaurants with Swiggy Dineout.
Golf Benefits
Golf Benefits
Fuel Surcharge WaiverWaiver up to ₹500 per statement cycle.
Fuel Surcharge Waiver1% waiver on transactions ₹400-₹5,000, capped at ₹500 per statement cycle.

Security & Other

Insurance BenefitsRoad Side Assistance, ₹10L Personal Accident Cover, Lost Card, Credit Shield, Purchase Protection, Travel Insurance.
Insurance BenefitsAir Accidental death cover up to ₹1 Crore, Overseas Hospitalization up to ₹15 Lakhs (until April 2025).
Cash Advance Charges₹199 + GST for each instance. Up to 10% of total Credit Limit.
Cash Advance Charges2.5% of transaction amount or ₹500, whichever is higher.
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Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

IDFC FIRST Bank Business Credit Card

HDFC Business Regalia Credit Card

Who is it for?

The IDFC FIRST Business Credit Card, issued by IDFC FIRST Bank, is a versatile business credit card designed for entrepreneurs and small to medium-sized corporations. It stands out by offering flexible plans, allowing users to choose between a low-interest rate structure or a high-rewards earning program, tailored to their business needs. Key benefits include accelerated reward points on business expenses, a competitive low forex markup, and complimentary airport lounge access, making it a comprehensive tool for efficient business expense management.

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.

Offers flexibility to choose between a low-interest rate plan or a high-rewards earning plan.

Reward Points are valid for a lifetime and have no expiry.

Low forex markup of 1.99%, significantly lower than the industry average.

Provides complimentary domestic and international airport lounge access.

Comprehensive insurance benefits including Road Side Assistance, Personal Accident Cover, and Travel Insurance.

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.

While reward earning is strong, the redemption options could be improved.

Complimentary lounge access requires a minimum spend of ₹20,000 in the previous month.

A rewards redemption fee of ₹99 + GST is applicable per redemption instance.

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.
Apply for IDFC FIRST Bank Business Credit Card(opens in new tab)Apply for HDFC Business Regalia Credit Card(opens in new tab)