About HDFC Business Regalia Credit Card
HDFC Business Regalia Credit Card is designed for business users to maximize savings on business expenses through reward points and cashback. While it carries an annual fee of ₹2,500, the benefits can easily outweigh the cost when used effectively.
HDFC Business Regalia Credit Card Rewards Program
Reward Points:
- Earn 4 reward points per ₹150 spent online (excludes fuel, EMI, and wallet reloads).
- Get 10,000 bonus points on annual spends of ₹5 lakh and an additional 5,000 points on ₹8 lakh.
- Redeem points for cash credit (100 points = ₹20) or against flight and hotel bookings.
Other Features and Benefits
Cashback Offer:
- 5% cashback on essential business spends like tax, electricity, telephone, and internet bills.
- Minimum monthly spend: ₹20,000; max cashback: ₹500 per statement.
- HDFC current account holders get double cashback (max ₹1,000/month).
Business Benefits:
- Merchant offer: Spend ₹30,000/month and accept volume worth ₹25,000 to save up to ₹1,000/month on POS machine rent.
- Manage vendor and distributor payments via SmartHub app.
Travel Benefits:
- Complimentary Priority Pass membership for primary and add-on users.
- 6 international and 12 domestic lounge visits annually (3 per quarter).
- Low forex mark-up fee of 2%.
Insurance Cover:
- Air accidental death: ₹1 crore.
- Emergency overseas hospitalization: ₹15 lakh.
- Flight delay & missed connecting international flight cover: ₹25,000 each (primary cardholder).
Fuel Surcharge Waiver:
- 1% waiver on fuel spends above ₹400 (max ₹500 per statement).
Fees and Charges
| Type of credit card fee/charge | Amount |
|---|
| Annual Fee | Rs.2,500 |
| Minimum Amount Due | 5% or a minimum of Rs.200 |
| Cash Advance Limit | 40% of the credit limit |
| Add-on card fee | NIL |
| Interest-Free Period | Up to 50 days |
| Interest Charges | 3.49% per month |
| Cash Advance Charges | Rs.500 or 2.5% of withdrawn amount, whichever is higher |
| Over Limit Charges | 2.5% of over limit amount, subject to a minimum of Rs.500 |
| Cash Processing Fee | Rs.100 |
| Rewards Redemption Fee | Rs.99 per request |
| Late Payment Fee | - Less than equal to Rs.100 - Nil
- Rs.101 to Rs.500 - Rs.100
- Rs.501 to Rs.1,000 - Rs.500
- Rs.1,001 to Rs.5,000 - Rs.600
- Rs.5,001 to Rs.10,000 - Rs.750
- Rs.10,001 to Rs.25,000 - Rs.900
- Rs.25,001 to Rs.50,000 - Rs.1100
- More than Rs.50,000 Rs.1300
|
| Card Re-issuance Fee | Rs.100 |
| Fee for outstation cheque processing | Up to Rs.50 |
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Document Required For HDFC Business Regalia Credit Card
- Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
- Proof of Address: Aadhaar Card, Driver’s License, Passport
- Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement
Eligibility Criteria
- Age: 21 to 70 years
- Occupation: Salaried or Self-employed
- Credit Score: Should have a good credit history
HDFC Business Regalia Credit Card Highlights
What do we like about this card?
- Earn 4 reward points per ₹150 spent online (excludes fuel, EMI, wallet reloads).
- Bonus reward points on annual spends: 10,000 on ₹5L, 5,000 on ₹8L.
- Redeem points for cash credit, flights, or hotels.
- 5% cashback on essential business spends (capped at ₹500/month).
- Complimentary Priority Pass membership with 6 international & 12 domestic lounge visits.
- Low forex markup fee of 2%.
- Complimentary insurance: air accident, overseas hospitalization, flight delay, and missed connecting flight.
- 1% fuel surcharge waiver (max ₹500/month).
Things to Know Before you apply
Get this card if:
- You want cashback and rewards on business expenses.
- You are a high spender seeking bonus points.
- You want travel perks like lounge access and insurance.
Pros
- Earn rewards and cashback on business spends.
- Complimentary lounge access and travel insurance.
- Bonus points for high annual spends.
Cons
- High annual fee of ₹2,500.
- Cashback capped monthly.
- Limited rewards on fuel, EMI, and wallet reloads.
HDFC Bank Credit Card Contact Details
HDFC Card offers multiple ways to get assistance for your credit card queries and services.
- Contact Address: Manager, HDFC Bank Cards Division, PO BOX # 8654, Thiruvanmiyur PO Chennai - 600 041
- Helpline: You can contact us at 1800 1600 / 1800 2600.
- Simply SMS: - SMS “CCHELP” to 5676712
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Frequently Asked Questions
The card carries an annual fee of ₹2,500.
You earn 4 reward points per ₹150 spent online (excluding fuel, EMI, and wallet reloads). Bonus points are given on annual spends: 10,000 points on ₹5L and 5,000 points on ₹8L.
Yes, reward points can be redeemed for cash credit (100 points = ₹20), flights, hotel bookings, or via the HDFC Rewards portal.
You get 5% cashback on essential business spends like tax payments, electricity, telephone, and internet bills, valid on a minimum spend of ₹20,000/month (max ₹500 per statement). HDFC current account holders get double cashback (max ₹1,000).
The card offers Priority Pass membership, 6 international lounge visits, 12 domestic lounge visits per year, and a low 2% forex markup fee.
Yes, the card includes air accident cover up to ₹1 crore, emergency overseas hospitalization up to ₹15 lakh, flight delay cover up to ₹25,000, and missed connecting flight cover up to ₹25,000.
Yes, 1% fuel surcharge waiver on transactions above ₹400, capped at ₹500 per statement cycle.
