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
      "Good"
      0.5 3.0/5 "Satisfactory"
      I am having the credit card with the HDFC bank and am using it from the last 1.5 years of time. Their service aspects are also a good one with the HDFC bank credit card. Payment modes are fine with the HDFC bank credit card.
      Was this review helpful? 0
      , coimbatore
      Reviewed on Aug 22, 2017
    • HDFC Bank Credit Card
      "Fantastic"
      0.5 5.0/5 "Blown Away!"
      I am having the HDFC bank credit card from the last one year of time. Response provided b y HDFC bank credit card and the offers are really a fine one with them. I would like to say that the online payment facilities are feasible one with them till now.
      Was this review helpful? 0
      , pune
      Reviewed on Aug 22, 2017
    • HDFC Bank Credit Card
      "SATISFACTORY"
      0.5 4.0/5 "Great!"
      HDFC bank has got normals offers in the card. The bank has offered me the credit limit around is 74000 thousand rupees and this is an annual charges of this card which is rs 499 and this amount is getting waived off from my reward points and 1st been 4 years since I am holding this card overall fine with their service.
      Was this review helpful? 0
      , ahmedabad
      Reviewed on Aug 22, 2017
    • HDFC Bank Credit Card
      "Excellent Service"
      0.5 3.5/5 "Pretty good"
      HDFC credit card services was excellent and they process and the service was on time when the time i apply and the representatives were really helpful when i needed the service ,and the process was fast when the time I applied and I can say HDFC credit service was really excellent.
      Was this review helpful? 0
      , kolhapur
      Reviewed on Aug 22, 2017
    • HDFC Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      HDFC provides me excellent services on my HDFC credit card and also they provide me many offers where I can use my HDFC credit card and the card and I am using is MONEY BACK card with the help of which I get services from the representatives of HDFC credit was for so I am very much comfortable with the HDFC credit card services.
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 22, 2017
    • HDFC Bank Credit Card
      "Satisfactory services"
      0.5 5.0/5 "Blown Away!"
      HDFC Bank has offered me a life time free credit card and there are a lot of benefits on it. I get cash back offers and the discounts are also much on the transactions I do. I get good deals online as I shop a lot. I get my bills on time which helps me makes my payment easily.
      Was this review helpful? 0
      , new delhi
      Reviewed on Aug 22, 2017
    • HDFC Bank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      I don't use the HDFC bank platinum card much. I am having the HDFC bank credit card for more than 6years. I use this card for online shopping, utility bills and the for others uses. I get the benefit like reward points, cash back offers and which can be redeemed as cash , I am satisfied with the credit limit. The rate of interest is nominal with this card.
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      , bangalore
      Reviewed on Aug 22, 2017
    • HDFC Bank Credit Card
      "Excellent point system"
      0.5 4.5/5 "Excellent!"
      I hold a money back credit card with HDFC bank. As and when I use my card I earn points on the transactions. After which when I want to redeem them, I can login in to my account and convert those points to cash, in this way it makes it more easy for me to use it for shopping as I can use the points on what I prefer to purchase. One point is equal to 40 paisa.
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      , chennai
      Reviewed on Aug 22, 2017
    • HDFC Bank Credit Card
      "Good card to use"
      0.5 3.0/5 "Satisfactory"
      The HDFC bank credit card process is average. I got the rewards point by using the HDFC bank jet privilege card but I can't redeem those points from this jet privilege card. I hold the HDFC bank Jet privilege for almost past 3 years. I am satisfied with the credit limit.
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      , visakhapatnam
      Reviewed on Aug 22, 2017
    • HDFC Bank Credit Card
      "Good to use"
      0.5 5.0/5 "Blown Away!"
      Happy using HDFC credit card, I am using this credit card for 6 months. Happy with the HDFC customer service and the rate of interest, Good reward points programme is sponsored by HDFC. I am not finding any difficult using this HDFC credit card.
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      , guntur
      Reviewed on Aug 22, 2017
    • HDFC Bank Credit Card
      "Best Credit card ever."
      0.5 5.0/5 "Blown Away!"
      I am using HDFC Regalia credit card and this is the best credit card i have came across in sense of Limit, Transaction to EMI and reward program. And have referred the same to my friends and colleague . Hoping to make the relationship much stronger with the services.
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      , thane
      Reviewed on Aug 22, 2017
    • HDFC Bank Credit Card
      "EXCELLENT"
      0.5 5.0/5 "Blown Away!"
      There are no charges for the credit card I hold with HDFC Bank. I am much happy to bank with them as I have not faced any kind of inconvenience like hidden charges or late charges. The offers are regular which is provided on this card and the credit limit what they have offered to me was 51000 which is okay for me and I was able to get the statements on time.
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      , jaipur
      Reviewed on Aug 22, 2017
    • HDFC Bank Credit Card
      "Rewards are good"
      0.5 4.0/5 "Great!"
      The best I prefer about the credit card of HDFC bank it is very easy to accumulate more points, and those points can be redeemed on my shopping. It is a life time free card. There are other benefits as well which I am happy about. The card is also acceptable every where.
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      , noida
      Reviewed on Aug 22, 2017
    • HDFC Bank Credit Card
      "SATISFACTORY"
      0.5 3.0/5 "Satisfactory"
      HDFC credit card offers are not that much good for the customers they have offered me life time free credit card. Limit value is 75000 initially later I have lost my card then they have reissued again but the limit they have given this time is 60000 rupees and I am using it from the last four years of time and the response is also a good one with them
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      , hyderabad
      Reviewed on Aug 22, 2017
    • HDFC Bank Credit Card
      "Good"
      0.5 4.0/5 "Great!"
      I am having the HDFC bank credit card and its the best one because of their customer service like they used to provide the refund on immediate basis relating to the payment issues. I would like to say that the response is fine one with the HDFC bank credit card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 22, 2017
    • HDFC Bank Credit Card
      "Good service but EMI option should be enabled"
      0.5 5.0/5 "Blown Away!"
      I hold HDFC credit card for last seven years, based on the transaction they offered me different loans with lower interest rate but I didn't avail it and and I do get some offers on E- commerce website. But HDFC didn't give me an EMI option though I am satisfied with the credit limit, hence it would be great if they provides EMI option for the out standing monthly due to avoid higher interest.
      Was this review helpful? 0
      , haridwar
      Reviewed on Aug 22, 2017
    • HDFC Bank Credit Card
      "Fantastic service"
      0.5 5.0/5 "Blown Away!"
      I am holding HDFC Regalia credit card I am using the HDFC credit card which provides fantastic service and their executives were very much helpful for me when ever I need their services and also the rate of intrest is very low compared to others and i had very good experience with HDFC credit card services till now and iam a happy customer of HDFC bank for their credit services .
      Was this review helpful? 0
      , visakhapatnam
      Reviewed on Aug 22, 2017
    • HDFC Bank Credit Card
      "Satisfactory"
      0.5 2.0/5 "Expected more"
      HDFC bank credit card is not really working in good way for me because of their rate of interest. Response were really poor one with them. Customer service aspects are also need to improve and the payment modes are really fine with the HDFC bank credit card.
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      , new delhi
      Reviewed on Aug 22, 2017
    • HDFC Bank Credit Card
      "Good card to use"
      0.5 5.0/5 "Blown Away!"
      Experiencing HDFC bank money back credit card for past 3 years. I use this card for petrol usage , in big bazaar purchases and for online purchases. This card has the benefit of Reward points, cash back offers and other offers with it. I would say it is a life time free credit card, there is no annual fee for this card. I am not satisfied with the credit limit, it would be great if they can increase the credit limit.
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      , dharwad
      Reviewed on Aug 22, 2017
    • HDFC Bank Credit Card
      "Good overall"
      0.5 4.0/5 "Great!"
      I hold a credit card with HDFC Bank and it has been a smooth process with the bank. The billing cycle is convenient for me. I am also happy with the customer services. There are a lot of rewards I get when I shop online and offline and in all there are no hassles.
      Was this review helpful? 0
      , bangalore
      Reviewed on Aug 22, 2017
    Common Loader Icon

    HDFC Business Regalia Credit Card

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    If you are looking for an excellent credit card that offers premium travel and entertainment benefits, look no further than HDFC Business Regalia Credit Card. This credit card offers interesting benefits like air accident compensation and emergency overseas hospitalization. For more information about this business credit card, read on.

    Key Highlights:

    • 15% discount on dining at leading five-star hotels.
    • Lowest foreign currency mark-up fee of 2% on international transactions.
    • Global Concierge Services.
    • 4 Reward Points per Rs.150 spent.

    Benefits:

    • Dedicated travel and entertainment portal: Cardholders can redeem their reward points by logging in to hdfcbankregalia.com. You can redeem reward points against flight tickets, hotel bookings, mobile or DTH recharge or movie bookings.
    • Travel and lifestyle Benefits: HDFC Business Regalia credit card cardholders get a complimentary Taj Epicure Plus membership card which comes with excellent benefits. With this card, customers can enjoy gold level status of the Taj InnerCircle and earn points for money spent on food and beverages in Taj hotels and resorts. Cardholders also enjoy exclusive gift certificates.
    • Exclusive dining offers: With HDFC Business Regalia credit card, cardholders can enjoy exclusive dining offers at over 300 premium hotels in India.
    • Complimentary Club Vistara Silver membership: HDFC Business Regalia credit card cardholders also get free Club Vistara Silver membership card. With this card cardholders can earn 6 club Vistara points on every Rs.100 spent on booking Vistara flights. Customers can also carry additional 5 kg baggage in all Vistara flights. Priority airport check-in and boarding is also included in this card.

    Features:

    • Rewards: By default, cardholders earn 4 points for every Rs.150 spent. You can also earn 8 reward points by booking on Regalia website, Air Vistara website or on your dining bills.
    • Fuel Surcharge Waiver: If you spend Rs.400 on fuel using this card, your fuel surcharge will be waived off.
    • Air Accidental death protection: If you are a Business Regalia cardholder, you can nominate your loved one to receive compensation up to Rs.1 crore in case of death in an air accident.
    • HDFC concierge services: Concierge services offered by HDFC to Regalia cardholders include Itinerary planning and reservation, dining assistance, event organising, international gift delivery, meet-and-greet charges and more.
    • Emergency overseas hospitalization: In case of many medical emergency abroad, cardholders get protection worth up to Rs.15 lakhs. This facility is available only to the primary cardholders up to a maximum age limit of 70 years.
    • Complimentary Airport Lounge Access: Cardholders get a free Priority Pass Membership and can enjoy free access to over 700 airports around the world. Customers can also enjoy:
      • Enjoy free refreshments and use facilities like phones, fax, internet and conference rooms.
      • Enjoy 12 free access to Priority Pass Lounge annually.
      • Guests can also use this facility using your card by paying a nominal fee of $27 per person.
    • Preferential financial privileges: On every foreign currency spends, cardholders enjoy lowest foreign currency mark-up up to 2%.

    Fees and Charges

    Details Charges
    Over limit charges 2.5% on the overlimit amount applicable on minimum overlimit amount of Rs.500.
    Foreign currency charges Currency mark-up upto 2%.
    Payment return charges 2% of the amount subject to minimum amount of Rs. 450.
    Outstation cheque processing fee Rs.25 for cheque value upto Rs.5, 000 and Rs.50 for cheque value above Rs.5, 000.
    Cash processing charge Rs.100 for all deposits made in HDFC branch or ATM.
    Reissue of card Rs.100
    Railway ticket purchase charge Rs.30+2.5% of the transaction amount.
    Rewards redemption charge Rs.75 for each redemption request.
    Fuel surcharge Fuel surcharge waiver capped at Rs.500 per billing period.
    Balance transfer charges 2% of the balance transferred amount or Rs.250 whichever is greater.
    Cash advance charge 2.5% of the or Rs.300 whichever is higher.
    Interest free days Upto 50 days.
    Revolving credit charges 1.99% per month or 23.88% per year. Interest rate may change based on payback, spends or utilisation. The maximum interest rate charged in default cases is 3.5% monthly or 42% annually.
    Minimum repayment amount 5% on the amount with minimum amount of Rs.200.
    Additional card Free upto 3 add-on cards.
    Cash advance limit 40% of the credit limit.
    Renewal charges RS.2500

    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 and above Rs.700

    Frequently asked questions

    1. In what cases are annual charges waived off?

      Excluding transactions like cash on call, cash withdrawal and balance transfer, if a customer has spent Rs.40, 000 within the first 90 days from the issue of the card, 1st year membership is waived. If the cardholder spends Rs.1, 00, 000 in one year, the next year’s annual fee is waived.

    2. How long is reward points valid?

      Reward points are valid for 2 years from the date you accumulated it.

    3. What is the value of each reward point on HDFC website?

      Each reward point is valued at 75 paise when you redeem it on HDFC website.

    4. Where can I get more information about Taj Epicure Plus Membership?

      You can get details about Taj Epicure Plus Membership on their official website. You can also call their customer care number which is available in HDFC website.

    5. Will I get reward point for fuel transactions?

      No. Reward points will not be accrued for fuel transactions.

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