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

    • HDFC Bank Credit Card
      "Good to Use"
      0.5 4.0/5 "Great!"
      I am using Diner club credit card, whenever I go for any tie up restaurant with the HDFC they are providing some cash back and also I get some reward points. I am happy with credit card service of HDFC. Bill are very transparent and clear about the transaction.
      Was this review helpful? 1
      , bangalore
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Better card to use"
      0.5 4.0/5 "Great!"
      The HDFC bank All miles credit card carries benefits like reward points and cash back offers. The reward points can be redeemed as air tickets, which is very good offer. I am happy about the credit limit. The rate of interest is nominal with this card. I am satisfied using this card.
      Was this review helpful? 0
      , lucknow
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Extremely good in the services"
      0.5 5.0/5 "Blown Away!"
      After seeing my transactions in my account, HDFC Bank offered me a credit card with a credit limit of 60K. They have also told me to use the card for the next three to four months and the bank would increase the limit. Even if they do not do it, I would not mind because I am extremely happy with the clarity they provide in the services.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Good Card to use"
      0.5 5.0/5 "Blown Away!"
      I am having a Money back credit card with HDFC bank for past 6 months. I get benefits like reward point, cash back offers and Online purchasing offers with this card. I am getting the notifications about the special offers with this card. The rate of interest is nominal with this card. I am happy about the credit limit and satisfied using money back card.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Charges should be reduced"
      0.5 2.0/5 "Expected more"
      Three years back I had taken car loan from HDFC, they have charged 5% of interest for the foreclosure, I had taken the car loan of Rs. 3.60 lakhs for the tenure of five years. I have done a foreclosure between the tenure period, I am not happy with their charges and it was really high.
      Was this review helpful? 0
      , srinagar
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Clear process"
      0.5 4.0/5 "Great!"
      HDFC Bank has been good on the credit card services and the offers are good and satisfactory. The credit limit is also good and the bills are sent on time and I do not have to recheck the statements they send me. No hassles overall and I am happy to use them.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Need improvement in services"
      0.5 3.0/5 "Satisfactory"
      HDFC Bank is not doing well in terms of credit card. They do not value their customers. I am banking for this card for the last nine years and the credit limit is very less and the customer services are also not good, also they are not consistent in the process.
      Was this review helpful? 0
      , madurai
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Average"
      0.5 3.0/5 "Satisfactory"
      The credit card experience with HDFC bank is not good. Probably next year l might stop using this card because they also don't provide any offers and the credit limit they have offered is 50000 rupees and this is a life time free credit card holding this card for more than 5 years now.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Satisfactory"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with HDFC Bank and when I did not get my personal loan through, I called up the customer care and I got the loan on the card. It was a very quick process and hassle free too. There are other benefits and offers on the card and no inconvenience faced.
      Was this review helpful? 0
      , porbandar
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Nice Credit card"
      0.5 5.0/5 "Blown Away!"
      HDFC gave me good cash back offers, I got upto Rs.2000 based on the product which I purchased. I have been using it for two years its good, they offered credit limit of Rs.75,000. I always make the total amount so I not aware of interest rate. Overall I am happy with their service.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      HDFC bank credit card is handy one like everything can be done through online and am having this card from the last one year of time. Response is good one with them and I have not faced much issues with them and the credit limit is 75000 rupees and its 5000 yearly charges for the card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Convenient for all transactions"
      0.5 5.0/5 "Blown Away!"
      I am using HDFC Regalia credit card for past five years, I got few offer in online shopping. when I convert the amount into an EMI interest rate is low around 12 to 13% and they giving the maximum tenure of 36 month. I am very much happy with the credit limit of HDFC.
      Was this review helpful? 0
      , thiruvallur
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Very good services"
      0.5 5.0/5 "Blown Away!"
      I am thankful to HDFC Bank as they were the only bank who offered me benefits when no other bank did. They offered me a credit credit when I was at my first job and they gave me a very decent credit limit though I was earning only 12K at that moment. Happy with the bank.
      Was this review helpful? 0
      , new delhi
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Perfect services"
      0.5 5.0/5 "Blown Away!"
      I hold a credit card with HDFC Bank and I am happy only with this product. The offers on the card has been perfect and the credit limit is also satisfactory. It is a life time free card and the customer support is also responsive when ever I reach out to them.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 23, 2017
    • HDFC Bank Credit Card
      "Convenient for transaction"
      0.5 4.0/5 "Great!"
      I am using HDFC credit card for five years, I am working with TCS, hence they are giving some special offers for the credit card. I used to get some reward points and cash back for kinds of transaction. I am fine with the credit limit is satisfactory.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 22, 2017
    • HDFC Bank Credit Card
      "Best"
      0.5 4.0/5 "Great!"
      I do hold a credit card of HDFC bank with the credit limit of 1.5 lakh Rupees. Customer service is the best one for me and I am not running behind the offers. I had not faced the drawbacks with them till now, also they used to delay with the phone banking service, which is not only with them.
      Was this review helpful? 0
      , chennai
      Reviewed on Jun 22, 2017
    • HDFC Bank Credit Card
      "Average card to use"
      0.5 2.0/5 "Expected more"
      Recently I have started using HDFC bank solitaire premium credit card. I have applied for HDFC bank money back card, but I am not sure, why they have issued the solitaire premium card. The credit limit with HDFC bank can be increased in future. This card doesn't have annual fee in the first year, from 2nd year onwards If we use more than 50 k or 1lakh the annual fee will be waived off. I would say, it is an average card to use.
      Was this review helpful? 0
      , bangalore
      Reviewed on Jun 22, 2017
    • HDFC Bank Credit Card
      "Not Satisfactory"
      0.5 1.0/5 "Really Bad"
      I am unhappy with the credit card experience with HDFC Bank. They need an improvement in every bit of the process. They had not given me a proper limit, neither are their offers on the card nor are my statements were on time and clear. Overall I am unhappy with them.
      Was this review helpful? 1
      , jaipur
      Reviewed on Jun 22, 2017
    • HDFC Bank Credit Card
      "Good Card to use"
      0.5 4.0/5 "Great!"
      I use HDFC bank Visa credit card for the past 2 years. I get reward points, cash back offers, fuel surcharge waiver on this card. There are also lot of online offers given in this card. I am happy with the credit limit. The rate of interest is nominal on this card and I can say it is a good card to use.
      Was this review helpful? 0
      , jamshedpur
      Reviewed on Jun 22, 2017
    • HDFC Bank Credit Card
      "Convenient for shopping"
      0.5 3.0/5 "Satisfactory"
      HDFC is good in offers for shopping, movie tickets and they are giving some good cash back offers in online shopping like Amazon, Mantra, Filpkart etc. My credit limit is not upto the mark, I had been using this HDFC credit card around one year and I am not satisified with it.
      Was this review helpful? 0
      , faridabad
      Reviewed on Jun 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.

  • reTH65gcmBgCJ7k
    This Page is BLOCKED as it is using Iframes.