IDFC FIRST Wealth Credit Card VS YES FIRST Business Credit Card VS HDFC Bank Regalia Gold Credit Card VS HDFC Bank Millennia Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
IDFC FIRST Wealth Credit Card
YES FIRST Business Credit Card
HDFC Bank Regalia Gold Credit Card
HDFC Bank Millennia Credit Card
Who is it for?
Who is it for?
Who is it for?
Who is it for?
Pros
Key benefits and features.
Lifetime-free credit card with no joining or annual membership charges forever.
Extremely low foreign currency markup of 1.5% for international transactions.
Interest-free cash withdrawals for up to 45 days providing excellent liquidity.
Comprehensive air accident cover of ₹1 crore and diverse travel insurance benefits.
Premium lifestyle perks including complimentary golf rounds and BOGO movie tickets.
Pros
Key benefits and features.
Low 1.75% foreign currency markup makes international business transactions highly cost-effective.
Extensive travel benefits include complimentary international and domestic lounge access for comfort.
Strong reward program provides accelerated points on key business spending categories like travel.
Valuable annual milestone benefits provide significant reward points for high-spending businesses.
Complimentary golf lessons and green fee waivers provide premium lifestyle perks for card users.
Pros
Key benefits and features.
Access to exclusive 24/7 concierge service for all travel and lifestyle assistance needs.
Generous lounge access with 12 domestic and 6 international visits annually for cardholders.
Strong reward rates, including 5X accelerated points on preferred partner brands like Nykaa.
Flexible redemption options for flights, hotels, vouchers, airmiles, and even cashback.
Comprehensive insurance benefits covering air death, overseas hospitalization, and credit cover.
Pros
Key benefits and features.
High 5% cashback on popular partner merchants including Myntra, Amazon.
Renewal fee waiver on spending ₹1 Lakh in the card anniversary year.
Provides substantial savings for digital-savvy consumers on daily spends.
Cons
Key drawbacks and limitations.
Low monetary value for reward points fixed at a base rate of ₹0.25 per point.
Lounge and golf access are restricted by a monthly spend requirement of ₹20,000.
High income eligibility requirement of ₹36 Lakhs per annum for prospective applicants.
Cons
Key drawbacks and limitations.
Fuel transactions do not earn reward points, a drawback for businesses with high fuel expenses.
Domestic lounge access requires ₹75,000 quarterly spend, which might limit usage for some.
Accelerated reward points are capped at 3,000 per month in select categories, limiting potential.
High interest rate of 3.99% per month (47.88% annually) on outstanding amounts can be a concern.
A redemption fee of ₹100 + GST is charged for rewards, reducing their overall net value.
Cons
Key drawbacks and limitations.
A redemption fee of ₹99 + GST is applicable on all reward point redemptions made.
The annual renewal fee waiver requires a relatively high annual spend of ₹4 Lakhs.
Reward point accrual has maximum caps on grocery and insurance transactions monthly.
Cons
Key drawbacks and limitations.
Earns a lower 1% cashback on offline/online spends at non-partner merchants.
Accelerated 5% cashback is capped at 1,000 CashPoints per statement cycle.
A minimum of 500 CashPoints are required to redeem against statement balance.