HDFC Bank offers a wide range of consumer and business credit cards. The recent launch of the Biz Credit Card series has further strengthened the bank’s business credit card portfolio. While the new cards are highly rewarding, many existing business cardholders are left wondering whether they should upgrade to the new Biz series.
For example, several HDFC Business Regalia Credit Card holders have already received upgrade offers to the HDFC BizPower Credit Card. To put it simply, yes, one should definitely consider upgrading, as the BizPower Card is significantly more rewarding and comes packed with features that the older Business Regalia can no longer match.
Which Card Offers Better Rewards?
When comparing the two, the HDFC BizPower Credit Card clearly stands out as a more rewarding option than the HDFC Business Regalia Credit Card. BizPower offers accelerated 5X Reward Points (20 RP/₹150) on high-value business categories such as tax payments, utility bills, vendor/GST spends, travel bookings, and even digital spends like Google Ads and Reliance Digital. On all other business spends, it still earns a healthy 4 RP/₹150 (except on excluded categories).
In contrast, the Business Regalia card offers a flat 4 RPs/₹150 on most spends, with fewer accelerated categories and a cap of 50,000 Reward Points per cycle, limiting its potential.
Clearly, this alone is reason enough to opt for the HDFC BizPower.
Why Choose the HDFC BizPower Credit Card?
Both cards carry a joining/annual fee of ₹2,500, but BizPower offers far more benefits. Unlike the Business Regalia, which has no welcome perks, BizPower provides an Amazon Prime Annual Membership and a Biz Prime 6-month Membership as welcome benefits.
One of the biggest differentiators is the airport lounge access program. While the Business Regalia Card was devalued over time and now offers lounge access only on high quarterly spends of ₹1 lakh, the BizPower Credit Card continues to provide complimentary airport lounge access without spend-based conditions.
With richer rewards, better welcome benefits, and truly free lounge access, the HDFC BizPower Credit Card clearly stands ahead of the Business Regalia, making it a worthy upgrade for business cardholders.
Bottom Line
In conclusion, the HDFC BizPower Credit Card represents a clear upgrade over the Business Regalia, offering superior rewards, enhanced welcome benefits, and convenient lounge access. For business owners seeking to maximize value on everyday expenses while enjoying lifestyle and travel privileges, BizPower is undoubtedly the smarter choice.