Skip to main content

YES FIRST 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.
Verified
Last updated: 3 July 2026

Both YES FIRST Business Credit Card and HDFC Business Regalia Credit Card suit business-focused spenders, but they earn and cost differently. YES FIRST Business Credit Card costs ₹999 + GST and earns 16 RPs/₹200 on Air, Hotel, Dining, Travel; 8 RPs/₹200 on others. Cap: 3,000 RPs/month. 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. YES FIRST Business Credit Card also brings 2 free quarterly Domestic Lounges for VISA, post ₹75,000 quarterly spend, 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 YES FIRST Business Credit Card; if travel is the priority, HDFC Business Regalia Credit Card fits better.

YES FIRST Business Credit Card
YES FIRST Business Credit Card
HDFC Business Regalia Credit Card
HDFC Business Regalia Credit Card

Fees & Charges

Joining Fee₹999 + GST
Joining Fee₹2,500 + GST
Renewal Fee₹999 + GST
Renewal Fee₹2,500 + GST
Spend Based WaiverJoining Fee waiver on ₹20,000 spend in 30 days. Annual Fee waiver on ₹3 Lakhs spend/year.
Spend Based WaiverRenewal fee waived off on spending more than ₹3 Lakhs in the previous anniversary year.
Foreign Transaction FeesVery low 1.75% + taxes markup on international spends, significantly cost-effective.
Foreign Transaction Fees3.5% on all foreign currency spends.
Interest Rate (APR)3.99% per month (47.88% per annum) on outstanding due amount.
Interest Rate (APR)3.75% per month (45% per annum) on outstanding amounts if not paid by due date.

Rewards & Benefits

Welcome BonusJoining Fee waiver on spending ₹20,000 within 30 days of card issuance.
Welcome Bonus
Rewards RateEarn 16 RPs/₹200 on Air, Hotel, Dining, Travel; 8 RPs/₹200 on others. Cap: 3,000 RPs/month.
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₹100 + GST charge for redeeming reward points.
Reward Redemption Fee₹99 + GST for reward point redemption.

Travel & Lifestyle

Domestic Lounge Access2 free quarterly Domestic Lounges for VISA, post ₹75,000 quarterly spend.
Domestic Lounge Access12 complimentary lounge accesses per calendar year; revised to 8 from April 2025 with ₹1 Lakh spend.
International Lounge Access6 free International Airport Lounges annually with Priority Pass/LoungeKey membership.
International Lounge Access6 complimentary lounge accesses per calendar year via Priority Pass or directly with Diners/RuPay.
Travel BenefitsAccelerated rewards on travel, 6 international & 2 quarterly domestic lounge accesses.
Travel BenefitsComprehensive benefits for travel including lounge access, insurance (until April 2025), and flight/hotel redemption.
Movie BenefitsNot Applicable
Movie Benefits
Dining BenefitsEnjoy 15% Off at Select Restaurants through the Dining Fiesta Program.
Dining BenefitsEnjoy FLAT 10% EXTRA OFF on dining bills at 35,000+ restaurants with Swiggy Dineout.
Golf BenefitsOne free golf lesson monthly & Green Fee Waiver at Select Golf Courses via TeePass.
Golf Benefits
Fuel Surcharge Waiver1% waiver on ₹400-₹5,000 fuel transactions, capped at ₹1,000 per month.
Fuel Surcharge Waiver1% waiver on transactions ₹400-₹5,000, capped at ₹500 per statement cycle.

Security & Other

Insurance BenefitsComprehensive cover up to ₹1 Cr (Air Accident), ₹25 L (Medical Emergency), ₹8 L (Credit Shield).
Insurance BenefitsAir Accidental death cover up to ₹1 Crore, Overseas Hospitalization up to ₹15 Lakhs (until April 2025).
Cash Advance Charges2.5% of withdrawn amount, with a minimum charge of ₹300.
Cash Advance Charges2.5% of transaction amount or ₹500, whichever is higher.
Apply Now(opens in new tab)
Apply Now(opens in new tab)
Best valueHigher costHighlights apply to Joining Fee and Renewal Fee only.

YES FIRST Business Credit Card

HDFC Business Regalia Credit Card

Who is it for?

The YES FIRST Business Credit Card is tailored for entrepreneurs, offering a rewarding experience for business transactions. It boasts a low 1.75% foreign currency markup and extensive travel benefits, including complimentary lounge access worldwide. Cardholders can enjoy substantial reward points on diverse spends, valuable milestone benefits, and exclusive golf privileges. This card is ideal for business owners prioritizing travel, international spending, and a premium lifestyle.

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.

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.

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.

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 YES FIRST Business Credit Card(opens in new tab)Apply for HDFC Business Regalia Credit Card(opens in new tab)