Compare HDFC Business Regalia Credit Card vs HDFC Bank Biz Grow Credit Card

Earn 4 Reward Points on every Rs. 150 spent on retail spends excluding wallet, EMI and petrol
Up to 50 days interest free credit period
5% monthly cashback on Business Essential Spends like (electricity bills, telephone & internet bills, Government & Tax Payments)
Get Pre-approved instant loans and Cash withdrawal facility on Business Credit Card
Convert all big spends into EMI after purchase
Buy interiors, furnitures, electronics, ACs and more in bulk for the business with Easy EMI options
Utility Bill Payments : Register the Credit Card with SmartPay, HDFC Bank's Utility Bill payment service, and be ensured that all utility bills are paid on time, conveniently and easily. Avail assured cashback up to Rs. 1800 in the first year and exciting e-vouchers worth up to Rs.800 for adding 2 or more bills on Smart Pay
Zero Lost card liability
Enjoy Revolving Credit at nominal interest rate
Foreign currency mark up of 3.5% on all foreign currency spends
1% fuel surcharge waiver at all fuel stations across India on minimum transaction of Rs. 400 and maximum transaction of Rs. 5000. Max CashBack of Rs. 500 per statement cycle)
Enjoy dining benefits with Good Food Trail program: Up to 20 % savings off on all restaurant bill payments via Swiggy Dineout (20,000+ restaurants). Offer is inclusive of Restaurant and Swiggy Discount, and valid only on payments done Swiggy App
Complimentary Airport Lounge Access within India: 12 complimentary access per calendar year within India (both at domestic and international terminals). Visits exceeding the complimentary quota will be allowed at the discretion of lounge and will also be chargeable by the lounge. Visa Customers will be charged a transaction fee of Rs. 2 on their Visa Business Regalia Credit card towards complimentary lounge access. For Mastercard customers , Rs 25 get debited from customers card account for authorization purpose but it will get reversed. For RuPay Customers, 12 Complimentary Airport Lounge Access within India and 6 outside India using their RuPay card. 12 Complimentary Airport Lounge Access within India and 6 outside India using Diners Club card
PRIORITY PASS:: Apply for Priority Pass for self and add on members by completing minimum 4 retail transactions on the HDFC Bank Regalia Credit Card. Using Priority Pass, cardholder and the add on member can together avail up to 6 Complimentary Lounge Access per calendar year, outside India. If exceeded the 6 Complimentary visits, cardholder will be charged at US $27 + GST per visit. Do note for Diners Club Card, Priority Pass is not required to access complementary 6 international lounge access. Cardholders can access international lounge using Diners Club Card. For RuPay Card, Priority Pass is not required to access complementary 6 international lounge access. Cardholders can access international lounge using their RuPay Card
24/7 Concierge Services
Milestone Benefit: Avail Bonus 10,000 Reward Points by spending Rs. 5 lakhs in the anniversary year. Earn additional 5,000 Reward Points by spending Rs. 8 lakhs spends in the anniversary year
Renewal fee waived off if cardholder spends more than 3 Lakhs in the previous year
HDFC Bank Regalia Credit Card has the option to convert big spends into EMI after purchase
Air Accidental death cover up to Rs 1 Crore
Emergency Overseas Hospitalization protection worth up to Rs. 15 lakhs against any medical emergency when traveling in and outside the country
Flight Delay cover of up to Rs 25,000 available to primary card holder
Missing of Connecting International Flight cover of up to Rs. 25,000
The card is enabled for contactless payments

Card Activation Benefit: Avail a Gift voucher worth Rs. 250 on making one transaction on the Biz Grow Credit Card within first 37 days of card issuance. Voucher is redeemable on top brands like Amazon, Swiggy & more
Milestone Benefits: Obtain 2000 CashPoints every quarter on quarterly spends of Rs. 1,00,000.  (On all retail spends excluding rent and petrol). Redeem CashPoints against statement. (Earn 1 CashPoint = Upto Rs.0.25)
Spend Rs. 1 Lakh in an anniversary year (12 billing cycles) to get Renewal Fee waived for next renewal year
Up to 55 days Interest Free Credit Period
Earn 2 Cash Points on every Rs.150 spent for your business needs
Earn 10X Cash Points on selected Business spends such as:

1. Bill Payment via Payzapp & SmartPay

2. Income Tax/ Advance Tax payment via eportal.incometax.gov.in

3. GST payment via payment.gst.gov.in

4. Hotel & flight booking on MMT MyBiz powered by SmartBuy BizDeals

5. Business Productivity tools like Tally, Office 365, AWS, Google, Credflow, Azure & more via SmartBuy BizDeals - Nuclei

6. Dmart

7. Cleartax

Note: 10X Cash Points applicable on minimum spends Rs. 10,000 in statement cycle

Maximum 1,500 Cash Points per statement cycle

Make GST payment using Business Credit Card:  Via GST portal: payment.gst.gov.in
Pay Income Tax/ Advance Tax using Business Credit Card (eportal.incometax.gov.in)
SmartBuy BizDeals:

Avail up to 40% savings on your Business travel and software purchase on smartbuy.hdfcbank.com/business

1. Business Travel Benefits via MMT MyBiz :

- 4% off on Flights and Hotels booking

- Discounted Fares, Free Meal & Seat Selection, Low Fees for Cancellation  

2. Business Productivity Tools via – Nuclei :

- Instant discount on Business Software such as Google Workspace, Tally Prime, AWS, Microsoft Azure & more

- Get GST Invoice for availing Input Tax Credit 

1% fuel surcharge waiver at all fuel stations across India (on minimum transaction of Rs. 400 and maximum transaction of Rs. 5000)
Dining Benefits: Enjoy FLAT 10% EXTRA OFF on dining bills at 35K+ restaurants
SmartPay, an automatic payment facility available on the Credit Card to pay your utility bills, gives assured cashback up to Rs. 1800 in the first year and exciting e-vouchers worth up to Rs. 800 for adding 2 or more bills on Smart Pay
Convert big spends into EMI after purchase
Easy EMI: Choose EMI option for large online or in-store purchases using Biz Grow Credit Card and avail easy repayments using Easy EMI
Zero Lost card liability
Credit liability cover: Rs. 3 Lakh
Business Insurance Benefit: Secure a Business with specially curated Business Insurance package:

- Avail Business Insurance package starting at an annual premium of Rs. 3,785 which includes:

a. Fire & Burglary insurance for Shop up to Rs. 5 Lakhs

b. Cash in Safe/Transit up to Rs.25,000

c. Electronic Equipment insurance excluding terrorism up to Rs. 50,000

d. Hospital Cash: Accident only amount payable per day up to Rs. 1000

e. Hospital Cash: Illness only amount payable per day up to Rs. 1000

Do note that the cardholders have the option to pick higher Business Insurance cover as per their Business need

A minimum of 2500 CP is required to redeem CashPoints against statement balance
Flights and Hotels redemption, Credit Card members can redeem up to a maximum of 50% of the booking value through CashPoints. Rest of the transaction amount will have to be paid via the Credit Card limit
With effect from 1st February 2023, cardmembers can redeem upto 70% of product/Voucher value through CashPoints on select vouchers/products and pay the remaining amount via Credit card
The maximum 15,000 CashPoints can be earned in a statement cycle
Unredeemed Cash Points will expire/lapse after 2 year of accumulation