Santa Claus comes around just once a year. In the meantime, there are Credit Cards.
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  • Credit Card Reviews

    • HDFC Bank Credit Card
      "Norms are high"
      0.5 1.0/5 "Really Bad"
      HDFC bank norms are very high for the credit card service. They have so many criteria to pass. Moreover, the bank is always high in the rate of interest. They used to collect more documents for the card. The annual charges are high as well. So I decided not to take credit card from HDFC bank.
      Was this review helpful? 0
      , surat
      Reviewed on Aug 16, 2017
    • HDFC Bank Credit Card
      "Easy and quick process"
      0.5 3.0/5 "Satisfactory"
      I got first credit card from HDFC, based on that I have taken another credit card from ICICI, the customer relation with HDFC is awesome. I would do go with HDFC in term all financial experience, even their credit limit is also good. I am happy with them.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Aug 16, 2017
    • HDFC Bank Credit Card
      "Easy and quick process"
      0.5 3.0/5 "Satisfactory"
      I got first credit card from HDFC, based on that I have taken another credit card from ICICI, the customer relation with HDFC is awesome. I would do go with HDFC in term all financial experience, even their credit limit is also good. I am happy with them.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Aug 16, 2017
    • HDFC Bank Credit Card
      "Beneficial services"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank has offered me a credit card and they have also given me a decent credit limit. The customer support is excellent and the statements are also clear with all the transactions I do. The card is accessible at all outlets and it is smooth overall to use it.
      Was this review helpful? 0
      , noida
      Reviewed on Aug 16, 2017
    • HDFC Bank Credit Card
      "Credit card works really well"
      0.5 5.0/5 "Blown Away!"
      HDFC bank credit card works really smooth, all the transaction happens on time. I am holding this HDFC bank credit card for more than 7 to 8 years. I dont have any issues wtih HDFC till date . I always make the payment on time therefore I did not face any difficulties. All the transactions goes through well. Rates are high especially when it comes to jumbo cash.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 16, 2017
    • HDFC Bank Credit Card
      "Excellent Service"
      0.5 4.0/5 "Great!"
      I think there is no option to convert the reward points into cash. HDFC bank is good in all the aspects so it would be better for the customers if they have such facility to convert the points into cash. But the bank is not stingy in crediting reward points and other offers like cash back. Even the credit limit is more than required.
      Was this review helpful? 0
      , chennai
      Reviewed on Aug 16, 2017
    • HDFC Bank Credit Card
      "Not recommendable to a middle class customer"
      0.5 1.5/5 "Bad"
      HDFC Bank has not been up to the mark for the credit card as I have the same 35k as credit limit as when I first got the card. The second is there are no EMI options. I can only convert a transaction to EMI only when there is an offer for me. Else I would have to pay the whole amount the following month. If not I would have to pay extra amount of interest.
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      , bangalore
      Reviewed on Aug 16, 2017
    • HDFC Bank Credit Card
      "Looking for better reward"
      0.5 4.0/5 "Great!"
      HDFC credit card service is good, in term of offers it is not upto the mark. I have converted the purchased amount into an EMI, their interest rates are high but the best part, they don't an annual fee, its a life time free credit. HDFC offered low credit limit but my CITI credit limit is good.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 16, 2017
    • HDFC Bank Credit Card
      "Good to Use"
      0.5 5.0/5 "Blown Away!"
      As I bank with HDFC for more than ten years, they offered a life time free credit card. I do not have any issues on credit limit because it is sufficient for my usage. I receive cash back offers frequently, so in that way the bank is good. Not only that, they used to credit reward points in to my account.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 16, 2017
    • HDFC Bank Credit Card
      "Good pocket money card"
      0.5 5.0/5 "Blown Away!"
      Since two years, I am using HDFC Money back credit card, I have used this card as maximum extend three to four times. The charges are also good, so far I have accumulated 3100 reward points but I didn't redeem it. Offer wise HDFC is good they are giving many benefits in e commerce website.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 16, 2017
    • HDFC Bank Credit Card
      "Unhappy with the services"
      0.5 2.0/5 "Expected more"
      HDFC Bank has not been up to the mark on the credit card services. There were no much of offers on the card and the credit limit is also not up to my expectation. I am not happy with the overall process and services the bank has been offering me. Not a recommendable bank too.
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      , chennai
      Reviewed on Aug 16, 2017
    • HDFC Bank Credit Card
      "Good to hold"
      0.5 5.0/5 "Blown Away!"
      HDFC credit card is very user friendly and very prompt, moreover there is no hidden charges on the bill. Right now they are providing the insta and jumbo loans on credit card and every quarter I am getting airport lounge and discounts on online website like Amazon, bookmyshow etc.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Aug 16, 2017
    • HDFC Bank Credit Card
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      I do hold credit card with HDFC bank for about three to four months only. I havent explored much. The banking services are good. I am happy with the card process. They have offered me a good credit limit around 55000 rupees and the annual charges of this card is 499 rupees. The annual charges can be waived off if you spend more than 2 lakh rupees.
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      , new delhi
      Reviewed on Aug 16, 2017
    • HDFC Bank Credit Card
      "Nice Experience "
      0.5 4.5/5 "Excellent!"
      I hold a credit card with HDFC Bank and the features on the card is excellent. It is a life time free card and the credit limit is perfect and the card is accessible at all outlets. There are a lot of deals online and there are offers are also nice too.
      Was this review helpful? 0
      , pune
      Reviewed on Aug 16, 2017
    • HDFC Bank Credit Card
      "Offers & services are good."
      0.5 4.5/5 "Excellent!"
      HDFC bank is the best for a credit card. The customer services are good and this bank is the best as I get more offers and a excellent credit limit. It is a life time free card and the benefits like movie tickets and a loan facility are there. There are convenient EMI options too.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 16, 2017
    • HDFC Bank Credit Card
      "Good service"
      0.5 4.5/5 "Excellent!"
      I used to get best response for my HDFC credit card, I am holding HDFC money back card for past two years its good. I am also getting reward points and other offers in flipkart, amazon for the online shopping. I am very fine to recommend the HDFC credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 16, 2017
    • HDFC Bank Credit Card
      "Happy with the services"
      0.5 5.0/5 "Blown Away!"
      I prefer using a credit card of HDFC Bank as I prefer using their reward point system. I get a lot on the Diners credit card and the points can be redeemed as well online. The credit limit is also good and it is a life time free card. I am not charged for any of my transactions.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 16, 2017
    • HDFC Bank Credit Card
      "Till date no hassles"
      0.5 4.0/5 "Great!"
      I hold a credit card with HDFC Bank and am using the banking services for 15 years and there has been no hassles till date. It has always been very convenient to use the card and I get intimated on all the transactions I do. The statements are clear and on time.
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      , hyderabad
      Reviewed on Aug 16, 2017
    • HDFC Bank Credit Card
      "Very good card to use"
      0.5 5.0/5 "Blown Away!"
      The HDFC bank money back card is easy to use . I use this card to pay the utility bills for shopping . The customer service with HDFC bank is very good, the rate of interest is nominal wuith HFFC bank. I am happy with the credit limit with HDFC bank.
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      , srinagar
      Reviewed on Aug 14, 2017
    • HDFC Bank Credit Card
      "Good Card to use"
      0.5 5.0/5 "Blown Away!"
      The Customer service is really good with the HDFC bank credit card department. I am holding the HDFC bank credit card for more than 5 years. I am getting the benefits like reward points, cash back offers with this card, but I don't redeem those points. I am satisfied with the credit limit.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 14, 2017
    Common Loader Icon

    HDFC Business Corporate Regalia Credit Card

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    Are you looking for a corporate credit card with travel and luxury benefits? If yes, check out Business corporate credit card offered by HDFC in India. From attractive discounts on dining bills to excellent concierge services, this card covers it all.

    Key Highlights:

    • Complimentary Taj Epicure Plus Membership
    • Foreign currency mark-up fee of 2% on international transactions.
    • 4 Reward Points per Rs.150 spent on the card.
    • 15% discount on dining at leading five-star hotels.
    • Personalised Global Concierge Services to suit your needs.

    Benefits:

    Travel benefits: Get a complimentary Taj Epicure Plus membership card with HDFC Business Corporate Regalia credit card. Customers can use this card and enjoy gold level status of the Taj InnerCircle and earn points for money spent on food and beverages in Taj hotels and resorts. You can enjoy receiving exclusive gift vouchers.

    Luxury benefit: HDFC Business Corporate Regalia credit card cardholders also get free Club Vistara Silver membership card. For every Rs.100 spent on Vistara flight bookings, cardholders can earn 6 club Vistara points. Customers can also carry additional 5 kg baggage in all Vistara flights. Another perk included in this card is Priority airport check-in and boarding.

    Exciting dining offers: Enjoy attractive dining offers at over 300 premium hotels in India with HDFC Business Corporate Regalia credit card.

    Exclusive portal for travel and entertainment: To redeem your reward points, simply visit hdfcbankRegalia.com. You can use your reward points against flight tickets, hotel bookings, mobile or DTH recharge or movie bookings.

    Features:

    Complimentary Airport Lounge Access: Cardholders also get a complimentary Priority Pass Membership and can enjoy free access to over 700 airports around the world. Customers can also enjoy:

    • Free refreshments and facilities like phones, fax and internet.
    • Avail 12 free access to Priority Pass Lounge in a year.
    • Your loved ones can also use this facility using your card by paying a nominal fee of $27 per person.

    Reward programme: Cardholders earn 4 points for every Rs.150 spent on the card. Make a booking at Corporate Regalia website or Air Vistara website and earn 8 reward points instantly. Customer also get 8 reward points on dining bills.

    Preferential financial privileges: Cardholders enjoy lowest foreign currency mark-up up to 2% on every foreign currency spends.

    Fuel Surcharge Waiver: Fuel surcharge will be waived off If you spend Rs.400 on fuel using this card.

    Concierge services: HDFC to Corporate Regalia cardholders offers excellent Concierge services. This service includes Itinerary planning and reservation, dining assistance, event organising, international gift delivery, meet-and-greet charges and more.

    Air Accidental death protection: In case of death in an air accident, your nominee will receive compensation up to Rs.1 crore. If you already have Business Corporate Regalia Credit card, visit HDFC website to enter your nominee details.

    Emergency overseas hospitalization: Cardholders get protection worth up to Rs.15 lakhs in case of medical emergencies out of the home country. This facility is extended only to the primary cardholders up to 70 years of age.

    How to Apply for a HDFC Business Corporate Regalia Credit Card?

    You can apply for HDFC Business Corporate Regalia Credit card on BankBazaar.com. Visit the website and browse the credit card section. This website also allows you to check your eligibility by answering simple questions about yourself. The website also lets you apply for the card instantly.

    Fees and Charges

    Details Charges
    Interest free days Up to 50 days
    Cash advance limit 40% of the credit limit
    Annual renewal fee Free for lifetime
    Minimum due 5% of total bill subject to a minimum of Rs.200
    Additional card fee Nil
    Cash advance 40% of credit limit
    Interest on revolving credit Charges on revolving credit is 1.99% per month or 23.88% per year. For default payments, the maximum interest rate is 3.5% monthly and 42% annually.
    Overlimit account fee 2.5% of amount spent over credit limit subject to a minimum of Rs.500.
    Charges on cash advance 2.5% on the amount withdrawn or Rs.300 whichever is greater.
    Rewards redemption fee Rs.75 redemption fee is waived off for Business Corporate Regalia credit card holders.
    Payment return 2% of the payment amount returned subject to a minimum of Rs.450.
    Cash processing fee Rs.100 for all card payments deposited in HDFC bank branches or ATMs.
    Balance transfer charges Not applicable
    Fuel surcharge For transaction amount greater than Rs.400, 2.5% of fuel surcharge is waived off. The maximum waiver is capped at Rs.500 per billing cycle.
    Foreign currency transactions 2% mark-up
    Railway ticket surcharge Rs.30 + 2.5% of the transaction amount.
    Duplicate card RS.100

    Late payment fees

    Statement Balance Fees
    Less than Rs.100 Nil
    Rs.100 - Rs. 500 Rs.100
    Rs.501 - Rs.5,000 Rs.400
    Rs.5,001 to Rs.10,000 Rs.500
    Rs.10,001 to Rs.20,000 Rs.700

    FAQs:

    1. How do I check the status of my credit card?

      If you have applied for HDFC Business Corporate Regalia Credit card, you can check the progress of your credit card application, you can visit track your credit card section in HDFC website. You will be asked to enter your 16 digit application reference number and your registered mobile number or date of birth.

    2. How can I use HDFC concierge services?

      For concierge services, you can please call 1800 118 887 or 022 42320226.

    3. Can I earn Reward Points on the amount that I spend on fuel using my HDFC Business Corporate Regalia Credit card?

      No, you cannot earn Reward Points on the amount that you spend on fuel using your HDFC Business Corporate Regalia Credit card.

    4. Where can I get the list of hotels where I get exclusive dining privileges?

      You can get details about the list of hotels where Business Corporate Regalia Credit card attracts privileges by visiting commercial credit card section on HDFC website.

    5. Where can I get more details about HDFC Business Corporate Regalia Credit card?

      You can get more details about HDFC Business Corporate Regalia Credit card on the website of HDFC Bank. You can also visit HDFC bank and talk to a representative for more information. Simultaneously, you can also find information on BankBazaar website.

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