AU Nouveau vs HDFC Business Regalia

Compare AU Nouveau vs HDFC Business Regalia across fees, rewards, cashback, lounge access, and eligibility to shortlist the best fit.

Comparison cockpit

Futuristic side-by-side card intelligence

HDFC Business Regalia leads on reward rate, while AU Nouveau has the lowest annual fee.

Card 1

AU Nouveau

Everyday users who prefer steady rewards, manageable fees, and simple eligibility.3.6

Card 2

HDFC Business Regalia

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.8.2

Balanced value3.6

au / VISA

AU Nouveau

Annual

₹999

Return

2.5%

Lounges

Forex

3.49%

Card summary

AU Nouveau leans reward-led with ₹999 annual fee, 2.5% headline return potential, and 2 lounge access.

Pros

Strong benefit ceiling if you recover the ₹999 annual fee.
2.5% reward rate can outperform flat cashback for loyal users.
2 lounge access adds travel utility.

Cons

3.49% forex markup can reduce overseas value.
Eligibility still depends on bank policy and credit history.
Travel benefits are limited compared with premium cards.

Best for

Everyday users who prefer steady rewards, manageable fees, and simple eligibility.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details

HDFC Business Regalia - HDFC credit card

Balanced value8.2

hdfc / VISA

HDFC Business Regalia

Annual

₹2,500

Return

Lounges

Forex

Card summary

HDFC Business Regalia leans travel and lifestyle with ₹2,500 annual fee, 4% headline return potential, and 12 lounge access.

Pros

Strong benefit ceiling if you recover the ₹2,500 annual fee.
4% reward rate can outperform flat cashback for loyal users.
12 lounge access adds travel utility.

Cons

Low forex markup matters mainly if you travel internationally.
Higher ₹15,00,000 income expectation narrows eligibility.
Travel value depends on actually using lounge and trip perks.

Best for

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.

Value profile

Balanced fee-to-benefit setup for regular card users.

Full card details

Metric

AU Nouveau

HDFC Business Regalia

Fees

Annual fee

₹999

₹2,500

Joining fee

₹999

₹2,500

Rewards

Cashback rate

0.75%

Reward rate

2.5%

Travel

Forex markup

3.49%

Domestic lounges

International lounges

Benefits

Fuel waiver

Yes

Dining

Yes

Movies

Yes

Eligibility

Minimum income

₹3,50,000

₹15,00,000

AU Nouveau vs HDFC Business Regalia

Futuristic side-by-side card intelligence

AU Nouveau

HDFC Business Regalia

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