YES FIRST Business Credit Card VS HDFC Business Regalia Credit Card VS American Express Corporate Green Card VS American Express Gold Corporate Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
YES FIRST Business Credit Card
HDFC Business Regalia Credit Card
American Express Corporate Green Card
American Express Gold Corporate 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.
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.
Pros
Key benefits and features.
Effective tracking of each and every meeting and event expense for better oversight.
Reduced dependence on paperwork, leading to significant cost and time savings for corporations.
Benefit from a comprehensive Baggage Insurance Plan for peace of mind during business travel.
Earn 3% Uber Cash on business Uber rides and Uber Eats orders, adding value to daily spends.
Utilizes American Express @ Work® for robust, customizable corporate expense management.
Pros
Key benefits and features.
The American Express Gold Corporate Card has a modest joining fee of only ₹1,000.
Offers access to VIP airport lounges both internationally and domestically, enhancing travel.
Provides complimentary business travel insurance up to ₹75,00,000 for employee protection.
Offers a zero-cost liability protection for lost, stolen, or damaged cards if reported promptly.
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.
Cons
Key drawbacks and limitations.
The card is considered a very basic corporate offering, lacking more premium features.
An annual fee of Rs. 2,100 + GST applies, with no waiver benefit available.
Foreign currency transactions incur a relatively high 3.5% markup plus applicable taxes.
Cash advance transactions are subject to a significant 3.5% charge on the withdrawal amount.
A delinquency fee of 3.5% applies for late payments, subject to a minimum of Rs. 100.
Cons
Key drawbacks and limitations.
There are no welcome or milestone benefits with this card for new cardholders.
The annual renewal fee of ₹4,500 from the second year onwards is relatively high.
The fuel surcharge is not waived at all fuel stations but only at specific ones.