HDFC Business Regalia vs BizPower Credit Card

HDFC Business Regalia and BizPower Credit Card are often compared, the prime reason being their similar annual fees of ₹2950 (including taxes). The cards are two of the best business credit cards available in the Indian market. HDFC BizPower is known for its accelerated reward rate on business spending and offers rewards on income tax/advance tax payments. In contrast, HDFC Business Regalia was known for the insurance cover that it came with, but as of 1st April 2025, that perk has been retired.

HDFC BizPower and Business Regalia have always had a close competition, also for the lifestyle perks these cards offer. It was a difficult decision between the two, given their similarities. However, following the devaluation of the HDFC Business Regalia, its relative worth has gone down considerably, altering the situation. Here is a close comparison between the two.

Annual Fee, Welcome Benefits, and Milestone Spending

It is established that both these cards come with an annual fee of ₹2,500, which comes to ₹2950 when 18% GST is added. Both cards offer users a spend-based annual fee waiver. It has been widely claimed online that customers holding an HDFC Business Regalia have been offered the HDFC BizPower as an upgrade and as a lifetime free card based on their spending. HDFC Business Regalia offers no welcome benefits, while HDFC BizPower provides an annual membership of Amazon Prime and a Biz Prime Membership of 6 months.

Both cards offer users special rewards for reaching spending milestones. For example, HDFC Business Regalia grants 10,000 bonus reward points upon spending ₹5 lakh in a year, plus an additional 5,000 points upon reaching ₹8 lakh, totaling 15,000 points for ₹8 lakh in annual spending. Additionally, meeting these spending targets qualifies the cardholder for an annual fee waiver as well. HDFC BizPower, on the other hand, offers gift vouchers worth ₹2,000 from popular brands like MakeMyTrip and Reliance Digital, on spending ₹2.5 lakh in a quarter.

Rewards Accrual and Redemption

HDFC Regalia offers users four reward points for every ₹150 spent with the card, with a maximum of 50,000 points eligible to be earned in a billing cycle. With your HDFC Business Regalia Credit Card, you can redeem the reward points you accumulate for various options, including shopping, travel bookings, and gift vouchers, through the HDFC SmartBuy portal or net banking. These points can also be automatically credited to your account to reduce your outstanding balance.

The BizPower Credit Card allows users to earn 4 reward points on all business expenses, excluding petrol, wallet, rent, education, and EMI. Additionally, users can earn boosted 5X reward points, equivalent to 20 points, on select categories such as Utility and Other Bill Payments through SmartPay and PayZapp, Income Tax and Advance Tax Payments, Vendor/Supplier and GST Payments via Swifti and SmartHub Vyapaar, as well as Hotel and Flight Bookings on MMT MyBiz, Business Software Purchases through SmartBuy, Google Ads, and Reliance Digital. However, the maximum limit for accelerated reward points is capped at 5,000 for each statement cycle.

Lifestyle Perks

With the HDFC Business Regalia card, users can enjoy exclusive 24/7 Concierge Services, two Complimentary Domestic Lounge Accesses per quarter after spending ₹1 Lakh in the previous quarter, six Complimentary International Lounge Accesses via Priority Pass annually, and up to 20% savings on dining bills with Swiggy Dineout.

HDFC BizPower, you can enjoy up to a 20% discount on restaurant bill payments with Swiggy Dineout, two complimentary domestic airport visits every quarter and earn two additional free visits by spending ₹75,000 or more in a calendar quarter, six complimentary international lounge visits in a year, a low foreign currency markup fee of 2%

Bottom Line

Both the HDFC Business Regalia and BizPower Credit Card serve business users, offering a range of benefits across rewards, milestone perks, and lifestyle privileges. While they share similarities, such as an identical annual fee and similar fee waiver options, the BizPower Credit Card stands out with its accelerated reward structure for business expenses, welcome benefits, and milestone vouchers.

The Business Regalia card, once known for its all-rounded benefits, has recently seen a devaluation with the removal of its insurance cover, its domestic airport lounge becoming a spend-based perk, and an increase in its foreign currency markup, making it less attractive in comparison. Additionally, its reward structure remains static, whereas BizPower offers 5X reward points on select business spends, enhancing its appeal for professionals and entrepreneurs.

Given these factors, the BizPower Credit Card currently offers more value, particularly for those who frequently spend on business-related categories. With HDFC offering Business Regalia cardholders a lifetime free upgrade to BizPower based on spending patterns, it is clear that BizPower is now positioned as the superior choice for business users seeking enhanced rewards and benefits.

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