Kotak Wealth Management Infinite Credit Card vs HDFC Business Regalia Credit Card

• Personalised Card Design: Kotak Wealth Management Infinite Credit Card will be designed after you, which means it’ll carry a unique handcrafted illustration of the cardholder image on the face of the card
• Higher Credit Limit: Avail minimum credit limit of Rs. 10 Lakh and an instant credit limit increase offer to support big purchases through an additional spending limit
• Access to International Events: Get access to the world’s most prestigious events with privileges like preferred seating, champagne receptions, invite to after-event party, celebrity autograph and many more
• Get to enjoy special invites to premium events in dining, entertainment, art & fashion categories

• 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

Pros

• 2 complimentary round of golf in a month for the cardholder. The cardholder can also invite two friends for a complimentary round once in a quarter
• Avail 800 Reward points worth Rs 800 free every month
• 4 complimentary visits every quarter to Visa lounges only in India

Cons

• This Credit Card is a “by-invite-only”

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