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IDFC Mayura vs HDFC Business Regalia

Compare IDFC Mayura 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

IDFC Mayura leads on reward rate, while HDFC Business Regalia has the lowest annual fee.

Card 1

IDFC Mayura

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.9.4

Card 2

HDFC Business Regalia

Frequent travelers who can use lounge visits, lower forex friction, and premium trip benefits.8.2
IDFC Mayura - IDFC credit card
Balanced value9.4

idfc / VISA

IDFC Mayura

Annual

₹4,999

Return

4%

Lounges

18

Forex

0%

Card summary
  • IDFC Mayura leans travel and lifestyle with ₹4,999 annual fee, 4% headline return potential, and 18 lounge access.
Pros
  • Strong benefit ceiling if you recover the ₹4,999 annual fee.
  • 4% reward rate can outperform flat cashback for loyal users.
  • 18 lounge access adds travel utility.
Cons
  • Low forex markup matters mainly if you travel internationally.
  • Higher ₹18,00,000 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
HDFC Business Regalia - HDFC credit card
Balanced value8.2

hdfc / VISA

HDFC Business Regalia

Annual

₹2,500

Return

4%

Lounges

12

Forex

2%

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
IDFC Mayura
HDFC Business Regalia
Fees
Annual fee
₹4,999
₹2,500
Joining fee
₹4,999
₹2,500
Rewards
Cashback rate
1%
1%
Reward rate
4%
4%
Travel
Forex markup
0%
2%
Domestic lounges
12
8
International lounges
6
4
Benefits
Fuel waiver
Yes
Yes
Dining
Yes
Yes
Movies
Yes
No
Eligibility
Minimum income
₹18,00,000
₹15,00,000

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