vs
In short: both charge a 3.5% forex markup.
| Key facts | HDFC Business Platinum | HDFC Regalia |
|---|---|---|
| Annual fee | Not listed | ₹2,500 |
| Joining fee | None | ₹2,500 |
| Annual fee waived | On ₹30,000 annual spend | On ₹3 lakh annual spend |
| Top reward rate | 1% CashBack For All Retail Spends | 4 reward points For Every ₹200 |
| Base rewards | 0.5% CashBack For All Retail Spends | 4 reward points For Every ₹200 |
| Lounge access | Not listed | 8 airport lounge visits a year |
| Forex markup | 3.5% | 3.5% |
From issuer benefit data, checked 4 Nov 2026. Milestones, welcome benefits and caps are in the full table below.
On ₹20,000 a month with ₹5,000 at each card's top rate, HDFC Regalia returns about ₹900 more a year (₹2,400 vs ₹1,500 in rewards).
| Spend profile | HDFC Business Platinum | HDFC Regalia |
|---|---|---|
| Reward value: top rate / base rate | 1% / 0.5% | 1% / 1% |
| ₹20,000 a month, all general spends | ₹1,200 | ₹2,400 |
| ₹20,000 a month, ₹5,000 of it at each card's top rate | ₹1,500 | ₹2,400 |
| Annual fee | Not in our data | ₹2,500 |
Estimates from the earn rates above, with stated cashback caps applied, before exclusions. Reward points are valued at the card's best listed redemption (often travel or vouchers via the bank's portal); cash-back on the statement is usually worth less. Annual fees may be waived on spend (see the table below).
The HDFC Bank Business Platinum Credit Card Visa offers straightforward cashback rewards with no joining fee and a low renewal fee waiver threshold. In contrast, the HDFC Bank Regalia Credit Card Visa comes with a joining and renewal fee but provides richer rewards points, airport lounge access, and milestone bonuses. Both cards charge a 3.5% forex markup and offer a 1% fuel surcharge waiver.
Comparison notes and quick badges use AI, grounded in the benefit data shown in the table. Confirm details on each issuer’s site.
Last updated:
| Feature | HDFC Bank Business Platinum Credit Card Visa | HDFC Bank Regalia Credit Card Visa |
|---|---|---|
| Bank | HDFC Bank | HDFC Bank |
| Network | Visa | Visa |
| Joining fee | Joining Fee - Free | Joining Fee of Rs. 2500 |
| Annual / renewal fee | — | Renewal Fee of Rs. 2500 |
| Annual fee waiver | Spend Rs.30000 For Renewal Fee Waiver | Spend Rs.300000 For Renewal Fee Waiver |
| Top reward rate | 1% CashBack For All Retail Spends | Earn 4 Rewards Points For Every Rs.200 |
| Base rate (other spends) | 0.5% CashBack For All Retail Spends | — |
| Lounge — domestic | — | 8 Complimentary Airport Lounge Access Per Year |
| Lounge — international | — | 6 Complimentary International Lounge Access |
| Fuel surcharge waiver | 1% Fuel Surcharge Waiver | 1% Fuel Surcharge Waiver |
| Milestone benefit | — | Earn 10000 Bonus Rewards Points on Rs. 5 Lakhs Spends; Earn 15000 Rewards Points on Spend of Rs.8 Lakhs |
| Foreign currency markup | 3.50% - Foreign Currency Transactions | 3.50% - Foreign Currency Transactions |
For rewards, the Regalia Credit Card clearly leads with a consistent 2% effective reward rate (4 points per Rs.200) across all spends including groceries and insurance, plus milestone bonuses of 10,000 and 15,000 points on high annual spends. The Business Platinum card offers cashback at 0.5% generally, increasing to 1% on spends above Rs.50,000 and on international spends over Rs.10,000, resulting in about Rs.1,500 yearly rewards at Rs.20,000 monthly spend compared to Rs.2,400 with Regalia. The Regalia card's points can be redeemed for travel or cashback, adding flexibility and value.
Travel benefits favor the Regalia card, which includes 8 complimentary domestic and 6 international airport lounge accesses annually, enhancing the travel experience. The Business Platinum card does not list any lounge access in our data. Both cards have the same 3.5% forex markup and 1% fuel surcharge waiver, so Regalia offers more travel-related perks overall.
The Business Platinum card has no joining fee and a renewal fee waiver threshold at Rs.30,000 annual spend, making it more cost-effective for lower spenders. The Regalia card charges Rs.2,500 for both joining and renewal, with a higher waiver threshold of Rs.3,00,000 spend. Those who do not meet the waiver criteria will pay significantly more with Regalia. Thus, the Business Platinum card is better for cost-conscious users or those with moderate spends.
The Regalia card offers milestone rewards with 10,000 bonus points on Rs.5 lakhs spend and 15,000 points on Rs.8 lakhs spend annually, enhancing its value for big spenders. The Business Platinum card does not list milestone benefits in our data.
Regalia's reward points can be redeemed for travel bookings at a rate of 1 point = Rs.0.5 or converted to airmiles, providing versatile redemption options. The Business Platinum card offers cashback only, without listed redemption flexibility.
Consider HDFC Bank Business Platinum Credit Card Visa if you prefer a no-joining-fee card with simple cashback rewards and a low renewal fee waiver threshold. It suits business owners or professionals seeking straightforward cashback without premium travel perks.
Consider HDFC Bank Regalia Credit Card Visa if you want richer rewards points, milestone bonuses, and premium travel benefits like domestic and international lounge access. It is ideal for higher spenders who can justify the joining and renewal fees through rewards and travel privileges.
The HDFC Bank Business Platinum Credit Card Visa has no joining fee, while the HDFC Bank Regalia Credit Card Visa charges Rs.2,500.
The Regalia card provides 8 complimentary domestic and 6 international airport lounge accesses annually. Lounge access is not listed in our data for the Business Platinum card.
The Business Platinum card waives renewal fees with Rs.30,000 annual spend, whereas the Regalia card requires Rs.3,00,000 annual spend to waive the Rs.2,500 renewal fee.
The Business Platinum card offers 0.5% cashback generally and 1% on spends above Rs.50,000 and international spends over Rs.10,000. The Regalia card earns 4 reward points per Rs.200 spent, equivalent to about 1% rewards rate.
Yes, both cards offer a 1% fuel surcharge waiver effective from October 1, 2025.
Both cards charge a 3.5% forex markup on foreign currency transactions.