HDFC Business Regalia Credit Card vs ICICI Sapphiro 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

• Get up to 20,000 PAYBACK points every anniversary year

• 4 complimentary Domestic Airport Lounge visits per quarter, courtesy of Mastercard and American Express
• 2 complimentary International Airport Lounge visits per calendar year and 2 complimentary Domestic Airport Spa visits per calendar year, under complimentary membership to Dreamfolks DragonPass Lounge Access Programme
• Enjoy up to 4 complimentary rounds of Golf every month at the Golf course of your choice based on eligible spends on your card
• Buy one movie/event ticket and get up to Rs 500 off on the second ticket, twice every month, through www.bookmyshow.com
• Minimum 15% savings on dining bills at over 2,500+ restaurants across India through Culinary Treats Programme
• Powerful Rewards Plan: You can redeem your PAYBACK Points from many options – from movie and travel vouchers to lifestyle products, mobiles, appliances and more
• Earn bonus rewards of up to 6 PAYBACK Points on every Rs. 100 spent
• Under the new Milestone Rewards program, get 4,000 PAYBACK Points on spending Rs. 4,00,000 on your card and 2,000 PAYBACK Points each time you cross Rs. 1,00,000 spend thereafter in an anniversary year; maximum of 20,000 PAYBACK Points per year
• Get 1 PAYBACK Points on every Rs. 100 spent on fuel, utilities and insurance categories
• Earn 50% more rewards on your ICICI Bank Sapphiro American Express® Credit Card
• Savings: ICICI Bank Sapphiro Credit Card can deliver savings of Rs 1,95,030 every year 
• 1% fuel surcharge waiver is available on all transactions below Rs 4,000. Fuel surcharge waiver is available on fuel purchases at all petrol pumps
• Complimentary DragonPass Member, it's world’s first all-in-one Digital Airport platform. As a member, gain access to 450 comfortable and luxurious airport lounges across 115 countries around the globe
• Gain two complimentary Airport Lounge visits outside India and two spa sessions at selected airports in India every year, through complimentary Dreamfolks DragonPass membership. While waiting in airports, discover exciting offers from shopping, restaurants to limos on DragonPass app. Annual Membership Fee, which is USD 99, for Dreamfolks DragonPass is complimentary. You only pay for the lounge visit charges for visits done over and above the complimentary accesses
• Airport Lounge Access American Express: Avail complimentary access to selected lounges at airports in India
• Mastercard: With ICICI Bank Sapphiro Mastercard Credit Card to enjoy exclusive access to premium Mastercard airport lounges in India. Four complimentary accesses to select lounges at airports in India every quarter
• Complimentary rounds of Golf every month: Get complimentary Golf Round / Lesson for every Rs. 50,000 retail spends in the previous calendar month, maximum 4 rounds every month
• American Express® ezeClick: With American Express ezeClick, shop faster, smarter and secured way via online payment solution
• American Express EPAY simplifies the process of paying utility bills
• Mastercard Privileges: The Mastercard Moments is an exclusive programme for Mastercard Cardholders. It hosts exceptional experiences to inspire and enrich the cardholders lives 

Pros

• Earn 4 Reward Points on every Rs. 150 spent on retail spends
• 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

Cons

• Although complimentary Membership to the Priority Pass Program is offered, all Lounge visits within India using priority pass will be charged at US $27 + GST
• Lounge Visits outside India exceeding the complimentary visits will be charged at US $27 + GST
• The annual fee of Rs. 2500 is moderately high

Pros

• Buy one movie/event ticket and get up to Rs 500 off on the second ticket, twice every month, through www.bookmyshow.com
• Redeem PAYBACK Points from many options – from movie and travel vouchers to lifestyle products, mobiles, appliances and more
• Complimentary Domestic Airport Spa visits

Cons

• Average Reward Rate
• High-Interest Rate

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