YES FIRST Business Credit Card VS HDFC Business Regalia Credit Card VS BOBCARD Empower Credit Card VS BOBCARD ICSI Diamond Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
YES FIRST Business Credit Card
HDFC Business Regalia Credit Card
BOBCARD Empower Credit Card
BOBCARD ICSI Diamond 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.
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.
An excellent choice for small business owners managing their finances efficiently.
Facilitates convenient tracking of all card spends and simplifies bill payments.
Provides valuable insurance benefits for accidental death cover for cardholders.
Offers up to 50 days of interest-free credit to support diverse business needs.
Enjoy a personalised card look and contactless payments for added convenience.
Pros
Key benefits and features.
Lifetime free card, eliminating any concerns about joining or annual fees.
Offers robust reward programs with accelerated points and generous milestone bonuses.
Enjoy complimentary domestic lounge access and a competitive 2% foreign currency markup.
Provides extensive insurance coverage for professional indemnity and accidental death.
Includes valuable perks like fuel surcharge waiver, free add-on cards, and zero liability.
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 general reward rate of 0.25% cashback on most spends is relatively low.
Lacks any premium travel benefits, including domestic or international lounge access.
The foreign currency markup of 3.5% can be quite high for international transactions.
Fuel surcharge waiver is capped at ₹250 per month, limiting potential savings.
Welcome benefits are modest, offering only 500 reward points for initial spends.
Cons
Key drawbacks and limitations.
Exclusive card available only to active members of the Institute of Company Secretaries of India.
Accelerated reward points on specific categories are capped at 1000 RPs per cycle.
Domestic lounge access will require a minimum spend condition from January 2025.
No complimentary international airport lounge access provided with this credit card.
Reward points are primarily offered, with direct cashback not being a primary earning type.