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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.

Features

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
₹2,500 + GST
Renewal Fee
₹999 + GST
₹2,500 + GST
Spend Based Waiver
Joining Fee waiver on ₹20,000 spend in 30 days. Annual Fee waiver on ₹3 Lakhs spend/year.
Renewal fee waived off on spending more than ₹3 Lakhs in the previous anniversary year.
Foreign Transaction Fees
Very low 1.75% + taxes markup on international spends, significantly cost-effective.
3.5% on all foreign currency spends.
Interest Rate (APR)
3.99% per month (47.88% per annum) on outstanding due amount.
3.75% per month (45% per annum) on outstanding amounts if not paid by due date.

Rewards & Benefits

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

Travel & Lifestyle

Domestic Lounge Access
2 free quarterly Domestic Lounges for VISA, post ₹75,000 quarterly spend.
12 complimentary lounge accesses per calendar year; revised to 8 from April 2025 with ₹1 Lakh spend.
International Lounge Access
6 free International Airport Lounges annually with Priority Pass/LoungeKey membership.
6 complimentary lounge accesses per calendar year via Priority Pass or directly with Diners/RuPay.
Travel Benefits
Accelerated rewards on travel, 6 international & 2 quarterly domestic lounge accesses.
Comprehensive benefits for travel including lounge access, insurance (until April 2025), and flight/hotel redemption.
Movie Benefits
Not Applicable
Dining Benefits
Enjoy 15% Off at Select Restaurants through the Dining Fiesta Program.
Enjoy FLAT 10% EXTRA OFF on dining bills at 35,000+ restaurants with Swiggy Dineout.
Golf Benefits
One free golf lesson monthly & Green Fee Waiver at Select Golf Courses via TeePass.
Fuel Surcharge Waiver
1% waiver on ₹400-₹5,000 fuel transactions, capped at ₹1,000 per month.
1% waiver on transactions ₹400-₹5,000, capped at ₹500 per statement cycle.

Security & Other

Insurance Benefits
Comprehensive cover up to ₹1 Cr (Air Accident), ₹25 L (Medical Emergency), ₹8 L (Credit Shield).
Air Accidental death cover up to ₹1 Crore, Overseas Hospitalization up to ₹15 Lakhs (until April 2025).
Cash Advance Charges
2.5% of withdrawn amount, with a minimum charge of ₹300.
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.

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.

Ready to Choose?

Based on your comparison, select the credit card that best matches your spending habits and financial goals.