HDFC BizPower vs HDFC Regalia Gold (2026)
The same ₹2,500 fee, the same 5 RP per ₹200, the same ₹0.65 ceiling and the same KFS row — split only by who you are. BizPower pays 5X on the GST challan Regalia Gold zero-rates; Regalia Gold's vouchers don't exclude the spend that earns them.
Head to head
| HDFC BizPower | Metric | HDFC Regalia Gold |
|---|---|---|
| #16 | Our rank | #14 — wins this row |
| ₹2,500/yr | Fee — joining · annual (+ GST) | ₹2,500/yr |
| ₹4,00,000 spend | Fee waiver | ₹4,00,000 spend |
| 2% (BizPower's own fees-and-charges page); a further 1.75% DCC markup on INR-billed foreign spends | Forex markup | 2% + GST |
| 3.75%/mo (45%/yr) — BizPower sits outside the 1.99% Infinia/Diners Black/BizBlack tier | APR | 3.75%/mo (45%/yr) |
| 1.6% | Headline earn rate | 1.6% |
| HDFC Reward Points | Currency | HDFC Reward Points |
| ₹1.00/pt † | House value | ₹1.00/pt † |
| Amazon Prime annual membership or a ₹1,500 Amazon voucher, on one tax / travel / ads transaction in the first 30 days | Welcome benefit | Complimentary Swiggy One + MMT Black Gold memberships, on ₹1L spend in the first 90 days |
| 724 of 783 | Lounge doors opened | 724 of 783 |
| Not offered — business card for the self-employed/proprietors | Income — salaried | ₹1.5L+/month net (private); ₹1L+/month (govt) |
| ITR above ₹12L/yr, underwritten on ITR, GST returns, bank statements or a merchant payment report (HDFC's own BizPower FAQ) — a third of BizBlack's ₹30L bar | Income — self-employed | ITR ₹18L+/yr |
† HDFC BizPower: BizPower can't reach the ₹1 house value. HDFC's own grid tops out at ₹0.65 on a narrow Business Catalogue (Cleartax, Tally, Microsoft, AWS, Amazon for Business, Google/Meta Ads), ₹0.50 on SmartBuy flights and hotels, and ₹0.50 a mile on transfers — a 35–50% haircut. Our 1.6% reward rate already prices the ₹0.65 in.
† HDFC Regalia Gold: One catch on that ₹1.00: Regalia Gold can't reach it. Its points cap out at ₹0.65 (Gold Catalogue) or ₹0.50 (flights/hotels) — a 35–50% haircut vs the HDFC house value. Our 1.6% reward rate already prices that in.
Gold marks the better side of a row. House value is our ₹-per-point mark for each card's currency — the full valuation index →
Ranking-value face-off
Everyday spend at each card's base rate plus a realistic ~20% at its best accelerator (less for narrow or capped boosters) — milestones, fee waivers and the redemption haircut all at our house ₹/point. That's why the biggest headline rate doesn't automatically win. This is the ranking model, the one that orders the board; each card page prints the earn-rate-only net annual value instead, which reads lower for any card with an accelerator (both models, side by side). Tune it to your own spend in the calculator.
It swings with spend: HDFC BizPower at ₹1L/month, HDFC BizPower at ₹3L/month, HDFC BizPower at ₹5L/month.
Transfer reach
Both cards earn HDFC Reward Points, so the partner list is identical — 22 live transfer routes each. The ratios are not: see below.
Both reach
- Singapore Airlines KrisFlyer 2:1
- Finnair Plus (Avios) 2:1
- Qatar Airways Privilege Club (Avios) 3:1 vs 100:33
Full route maps on each card page, best ₹/point routes on the optimizer →
The call
For the ₹1L/month spender, HDFC BizPower nets ₹51,206 against ₹38,666 — a ₹12,540 gap. At ₹5L/month, HDFC BizPower nets ₹1,76,030 against ₹1,29,328 — a ₹46,702 gap. Lounge chasers get no tiebreak here: both open 724 of 783 tracked doors.
Our standing verdicts: HDFC BizPower — Keep; HDFC Regalia Gold — Keep. On our board, HDFC Regalia Gold sits at #14 to HDFC BizPower's #16 — that's the overall call. Your spend pattern can overrule us: run your exact numbers →