YES FIRST Business Credit Card VS HDFC Business Regalia Credit Card VS BOBCARD Empower Credit Card VS IDFC FIRST Bank Business Credit Card
Fees & Charges
Rewards & Benefits
Travel & Lifestyle
Security & Other
YES FIRST Business Credit Card
HDFC Business Regalia Credit Card
BOBCARD Empower Credit Card
IDFC FIRST Bank Business 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.
Dual-variant structure allows choice between low interest or high rewards.
Reward points have lifetime validity and zero redemption charges.
Offers competitive foreign currency markup of just 1.99%.
Includes comprehensive insurance benefits and complimentary lounge access.
Facilitates efficient expense management with employee cards & EMI options.
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.
Lounge access requires a minimum spend of ₹20,000 in the previous month.
Higher interest rates (3% p.m.) apply for the high reward points variant.
Milestone benefits explicitly exclude spends on rental and property management.
Cash advance transactions incur a flat fee of ₹199 + GST per instance.
Eligibility for the card is based on credit history and pre-qualification.