YES FIRST Business Credit Card vs American Express Platinum Travel Credit Card vs LIC Platinum EMV Credit Card vs HDFC Business Regalia Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
YES FIRST Business Credit Card
American Express Platinum Travel Credit Card
LIC Platinum EMV Credit Card
HDFC Business Regalia Credit Card
Who is it for?
Who is it for?
Who is it for?
Who is it for?
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.
Receive up to 40,000 bonus Membership Rewards points and a ₹10,000 Taj voucher annually.
Enjoy 8 complimentary domestic airport lounge accesses annually, a substantial benefit for travelers.
Get up to 20% discount on dining at various partner restaurants across India.
Most card transactions count towards achieving valuable milestone benefits with minimal exclusions.
Pros
Key benefits and features.
Lifetime-free card, offering substantial savings with no joining or renewal fees.
Benefit from a temporary credit limit enhancement of up to 30% as per need.
Utilize the convenient VISA Bill Pay facility for over 120 utility billers.
Comprehensive insurance includes personal accident, purchase protection, and credit shield.
Avail EMI conversion for purchases above ₹2,500 and a 2.5% fuel surcharge waiver.
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.
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.
Achieving optimal reward value is highly dependent on meeting the substantial Rs. 4 lakh annual spend.
The card lacks complimentary international lounge access; Priority Pass visits incur a usage fee.
This card unfortunately does not provide any comprehensive insurance benefits or travel coverage.
The base reward rate of 1 Membership Rewards Point for every Rs. 50 spent is quite modest.
Cons
Key drawbacks and limitations.
Lacks additional perks or accelerated reward points for specific spending categories like shopping or travel.
Reward redemption options are limited, primarily allowing adjustments against outstanding bills.
The card does not provide significant accelerated rewards or milestone benefits.
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.