HDFC BizPower vs HDFC Regalia Gold (2026)
HDFC Regalia Gold vs HDFC BizPower: which wins?
₹1,13,618ranking value a year at ₹3L a month, to HDFC BizPower
Skip the duel — the board, ranked → · nothing to sign up for
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.
It swings with spend: HDFC BizPower at ₹1L/month, HDFC BizPower at ₹3L/month, HDFC BizPower at ₹5L/month.
Every metric, row by row — 12 compared
Head to head
| HDFC BizPower | Metric | HDFC Regalia Gold |
|---|---|---|
| #9 | Our rank | #8 — 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 |
| 735 of 793 | Lounge doors opened | 735 of 793 |
| 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 →
The ₹ face-off at ₹1L/₹3L/₹5L a month
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.
Where the lead changes hands — a 20-step sweep from ₹0.25L to ₹5L/month
Where the lead changes hands
The lead changes hands at ₹0.5L and ₹1L a month: HDFC BizPower is ahead by ₹2,136 at ₹0.25L, HDFC BizPower by ₹32,302 at ₹5L.
HDFC Regalia Gold pays 2 annual spend milestones, the first at ₹5,00,000 a year, and HDFC BizPower pays none.
HDFC BizPower draws above the line, HDFC Regalia Gold below · ₹0.25L to ₹5L a month, step by step
| Monthly spend | HDFC BizPower | HDFC Regalia Gold | In front |
|---|---|---|---|
| ₹0.25L | ₹5,302 | ₹3,166 | HDFC BizPower by ₹2,136 |
| ₹0.5L | ₹15,603 | ₹22,333 | HDFC Regalia Gold by ₹6,730 |
| ₹0.75L | ₹23,405 | ₹32,999 | HDFC Regalia Gold by ₹9,594 |
| ₹1L | ₹51,206 | ₹38,666 | HDFC BizPower by ₹12,540 |
| ₹1.25L | ₹59,008 | ₹44,332 | HDFC BizPower by ₹14,676 |
| ₹1.5L | ₹66,809 | ₹49,998 | HDFC BizPower by ₹16,811 |
| ₹1.75L | ₹74,611 | ₹55,665 | HDFC BizPower by ₹18,946 |
| ₹2L | ₹82,412 | ₹61,331 | HDFC BizPower by ₹21,081 |
| ₹2.25L | ₹90,214 | ₹66,998 | HDFC BizPower by ₹23,216 |
| ₹2.5L | ₹98,015 | ₹72,664 | HDFC BizPower by ₹25,351 |
| ₹2.75L | ₹1,05,817 | ₹78,330 | HDFC BizPower by ₹27,487 |
| ₹3L | ₹1,13,618 | ₹83,997 | HDFC BizPower by ₹29,621 |
| ₹3.25L | ₹1,21,420 | ₹89,663 | HDFC BizPower by ₹31,757 |
| ₹3.5L | ₹1,29,221 | ₹95,330 | HDFC BizPower by ₹33,891 |
| ₹3.75L | ₹1,37,023 | ₹1,00,996 | HDFC BizPower by ₹36,027 |
| ₹4L | ₹1,44,824 | ₹1,06,662 | HDFC BizPower by ₹38,162 |
| ₹4.25L | ₹1,49,161 | ₹1,12,329 | HDFC BizPower by ₹36,832 |
| ₹4.5L | ₹1,53,317 | ₹1,17,995 | HDFC BizPower by ₹35,322 |
| ₹4.75L | ₹1,57,474 | ₹1,23,662 | HDFC BizPower by ₹33,812 |
| ₹5L | ₹1,61,630 | ₹1,29,328 | HDFC BizPower by ₹32,302 |
Transfer reach — 22 shared live routes
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.
3 shared routes — the full partner lists
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 →
What to watch out for — 6 points
What to watch out for
HDFC BizPower · 6 more →
- The ₹5,000 quarterly voucher needs ₹2.5L of RETAIL spend — income tax, GST, petrol and EMI are expressly excluded from 1 Jul 2026, so the 5X spend doesn't count toward it
- 5X needs ₹25,000 a cycle in the accelerated categories EXCLUDING tax and GST before it triggers, then caps at 7,500 RP a cycle
- Only the first 2 income-tax and first 2 GST transactions a billing cycle earn anything at all (fair-usage rule, 15 May 2026)
HDFC Regalia Gold · 5 more →
- Cashing out to your statement is ₹0.15 a point, down from ₹0.20 — HDFC's MITC dates it 1 Nov 2025, though its own page printed ₹0.20 until Jul-2026 and still does in one place
- Jul-2026: 3 domestic lounge visits/quarter now need ₹60k prior-quarter spend
- May 2026 cut lowered the effective earn ~6%
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 ₹1,61,630 against ₹1,29,328 — a ₹32,302 gap. Lounge chasers get no tiebreak here: both open 735 of 793 tracked doors.
Our standing verdicts: HDFC BizPower — Keep; HDFC Regalia Gold — Keep. HDFC BizPower takes 3 of the 4 rounds we can score — that's the overall call. Your spend pattern can overrule us: run your exact numbers →
Common questions — 5 answered
Straight answers
Which is better, HDFC BizPower or HDFC Regalia Gold?
HDFC BizPower. HDFC BizPower takes 3 of the 4 rounds we can score. It swings with spend: HDFC BizPower at ₹1L/month, HDFC BizPower at ₹3L/month, HDFC BizPower at ₹5L/month.
HDFC BizPower or HDFC Regalia Gold — which earns more at ₹3L a month?
At ₹3L a month, HDFC BizPower nets ₹1,13,618 against ₹83,997 — a ₹29,621 gap. Those are ranking-value figures: everyday spend at the card's base rate plus a realistic slice at its best accelerator, net of the fee.
Which costs less to hold, HDFC BizPower or HDFC Regalia Gold?
They cost the same to get: ₹2,500/yr. HDFC BizPower waives its fee at ₹4,00,000 of spend; HDFC Regalia Gold at ₹4,00,000 of spend.
Which gets you into more airport lounges, HDFC BizPower or HDFC Regalia Gold?
Lounge chasers get no tiebreak here: both open 735 of 793 tracked doors. Visit quotas, guest charges and spend gates are per card — the lounge map carries each one.
How current is this comparison?
Both card records were last re-verified against their issuers' own documents on 2026-08-17. Every figure on this page — the ranking values, the fee rows, the lounge counts, the transfer ratios — is recomputed from those records each time the site builds, so a devaluation changes the call the day we log it.
Verified against HDFC Bank and HDFC Bank's own documents on · the ranking model, at our house ₹/point
Every document behind this page — 21 of them, each with the day we read it
- official Official product page — "Earn 5 Reward Points on every ₹200 spent for your business needs (excluding petrol, wallet, rent, education, EMI) (1 Reward Point = Up to ₹0.65)"
- official Product-feature-change notice PDF — the 15-May-2026 revision
- official BizPower Credit Card Reward Points Program T&C — the earn table "effective 15th May'2026" spelling 5X out as "25 RP/₹200 (1X Core RP(5RP) + 4X RP(20RP))" against
- official BizPower FAQ PDF (Apr-2025 vintage) — "Joining fee/ Renewal fee of Rs 2500 /-+ Applicable Taxes"
- official HDFC Bank Key Fact Statement cum MITC, version 4.6 dated August 2026 — clause I(x) prices a BizPower point at 15 paise against the statement balance, with effect from 1 November 2025
- official HDFC Bank MITC / Key Fact Statement v3.9 (dated April-2026, updated 08-May-2026) — the page-2 fee table machine-verifies BizPower sharing Regalia Gold's row at ₹2,500
- official BizPower fees-and-charges page — "Joining Fee: ₹2,500 plus Applicable Taxes / Renewal Fee: ₹2,500 plus Applicable Taxes"
- community LiveFromALounge, 26-Jul-2026 — the community witness for the BizPower transfer grid HDFC does not publish: 2:1 to the KrisFlyer/Flying Blue/Accor tier, 3:1 to the Avios tier
- official HDFC Bank press release, 6-Feb-2024 — the launch of the business-card series (BizFirst, BizGrow, BizPower, BizBlack) for the self-employed. Fixes the welcome-history start date.
- community CardExpert launch coverage of the four-card business series (Feb-2024) — corroborates the ₹2,500 fee, the ₹4L waiver and BizPower's position under BizBlack.
- official Product page — "5 Reward Points on every Rs. 200 spent"
- official Product-feature-change notice PDF — Boarding Edge and "Earn 5 Reward Points for every ₹200 spent" both effective 15th May 2026
- official Regalia Gold Rewards Points Program T&C — the 50,000 RP/month cap on MILES TRANSFERS, the four named 5X merchants, and the 1.75% dynamic & static conversion markup "W.e.f 15th May, 2026"
- official Product page (AMP mirror) — ₹4L waiver, 5X brands, milestones, redemption grid
- community CardInsider — May-2026 revision (5 RP/₹200, ₹60k lounge gate w.e.f. 1-Jul-2026, DCC 1.75%)
- community CardExpert — 3 visits/qtr behind ₹60k gate, PP 6/yr unchanged, Boarding Edge
- community CardInsider — RuPay Select variant launch (9-Oct-2025)
- community TechnoFino — issued on both Visa Signature and Mastercard World
- community CardInsider forex table — Regalia Gold 2% forex markup (below the 3.5% norm)
- community pointsmath HDFC transfer grid — the eligibility check for our 22 routes; Only Infinia, Diners Club Black and Regalia Gold have "all 21 transfer partners available"
- official HDFC's BANK-WIDE 15-May-2026 revision notice — its accrual table names "Regalia Gold | 5 | 200", corroborating the card-specific product-feature-change PDF