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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.

Features

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
₹2,500 + GST
Renewal Fee
₹999 + GST
₹2,500 + GST
Spend Based Waiver
Not Applicable
Renewal fee waived off on spending more than ₹3 Lakhs in the previous anniversary year.
Foreign Transaction Fees
1.99%.
3.5% on all foreign currency spends.
Interest Rate (APR)
Monthly rates: 1.5-2% (low interest); 3% (high reward); 3.99% for delay/non-payment.
3.75% per month (45% per annum) on outstanding amounts if not paid by due date.

Rewards & Benefits

Welcome Bonus
Not Applicable
Rewards Rate
Earn up to 10X Reward Points on foreign currency, 4X on business utility & digital advertising.
Earn 4 Reward Points on every ₹150 spent on all retail spends, including Insurance and Utilities.
Reward Type
Reward Points
Reward Points
Reward Redemption Fee
Zero charges for redemption.
₹99 + GST for reward point redemption.

Travel & Lifestyle

Domestic Lounge Access
2 complimentary domestic lounge visits per quarter, on minimum monthly spend of ₹20,000.
12 complimentary lounge accesses per calendar year; revised to 8 from April 2025 with ₹1 Lakh spend.
International Lounge Access
2 complimentary international lounge visits per quarter, on minimum monthly spend of ₹20,000.
6 complimentary lounge accesses per calendar year via Priority Pass or directly with Diners/RuPay.
Travel Benefits
Up to 32X Reward Points on hotels and 22X on flights via app, plus comprehensive travel insurance.
Comprehensive benefits for travel including lounge access, insurance (until April 2025), and flight/hotel redemption.
Movie Benefits
Not Applicable
Dining Benefits
Earn 1X/2X Reward Points on restaurant spends.
Enjoy FLAT 10% EXTRA OFF on dining bills at 35,000+ restaurants with Swiggy Dineout.
Golf Benefits
Not Applicable
Fuel Surcharge Waiver
Waiver up to ₹500 per statement cycle.
1% waiver on transactions ₹400-₹5,000, capped at ₹500 per statement cycle.

Security & Other

Insurance Benefits
Personal accident, lost card, credit shield, purchase protection, travel insurance, RSA.
Air Accidental death cover up to ₹1 Crore, Overseas Hospitalization up to ₹15 Lakhs (until April 2025).
Cash Advance Charges
₹199 + GST per instance, max withdrawal up to 10% of credit limit.
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.

IDFC FIRST Bank Business Credit Card

HDFC Business Regalia Credit Card

Who is it for?

The IDFC FIRST Bank Business Credit Card is tailored for entrepreneurs, offering a unique dual-variant choice: prioritize low interest rates for cash flow or higher reward multipliers for business spends. It excels in managing business expenses with features like complimentary lounge access, a low foreign currency markup, and extensive insurance benefits. Its non-expiring reward points and flexible EMI options make it a powerful financial tool for SMEs.

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.

Dual-variant structure allows choice between low interest or high rewards.

Reward points have lifetime validity and zero redemption charges.

Offers competitive foreign currency markup of just 1.99%.

Includes comprehensive insurance benefits and complimentary lounge access.

Facilitates efficient expense management with employee cards & EMI options.

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.

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

Higher interest rates (3% p.m.) apply for the high reward points variant.

Milestone benefits explicitly exclude spends on rental and property management.

Cash advance transactions incur a flat fee of ₹199 + GST per instance.

Eligibility for the card is based on credit history and pre-qualification.

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.