YES FIRST Business Credit Card VS HDFC Business Regalia Credit Card VS BOBCARD Empower Credit Card VS ICICI Bank Business Advantage Blue Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
YES FIRST Business Credit Card
HDFC Business Regalia Credit Card
BOBCARD Empower Credit Card
ICICI Bank Business Advantage Blue 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.
Zero joining fee and an annual fee that is easily waived with moderate spending.
Earn 5X Reward Points on utility payments, maximizing savings on essential bills.
Benefit from up to 50 days of interest-free credit, aiding business cash flow management.
Includes a 1% fuel surcharge waiver, providing savings on regular fuel expenses.
Offers business-centric features like expense tracking and personalized card embossing.
Pros
Key benefits and features.
Designed for business savings, offering cashback on recurring business expenses.
Provides additional cashback for timely bill payments via Corporate Net Banking.
Includes valuable benefits like domestic lounge access and dining discounts.
Comprehensive 24x7 concierge services enhance convenience for business travel.
Offers robust insurance benefits including personal air accident cover.
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.
Lacks premium lifestyle benefits such as lounge access, movies, dining, or travel perks.
Reward points are not earned on fuel transactions, limiting overall reward accumulation.
Details regarding the complimentary insurance covers are not explicitly specified.
A slight discrepancy in the stated annual fee (₹250 + GST vs. ₹500) exists.
Cons
Key drawbacks and limitations.
Cashback is capped at ₹500 per month, which may limit benefits for high spenders.
No cashback is earned if the monthly spend is less than ₹25,000.
Domestic lounge access requires a minimum spend of ₹35,000 in the previous quarter.
The foreign currency markup of 3.5% is relatively high for international transactions.
Fuel surcharge waiver is limited to HPCL stations and has a monthly cap.