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

    Fees & Charges

    Promised Interest Rate

    Customer Service

    Responsiveness

    Credit Card BYTES FROM OUR KITCHEN

    HDFC Business Regalia Credit Card

    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.

    Credit Card Reviews

    • HDFC Bank Credit Card
      "Need to be Transparent to the customer"
      0.5 4.0/5 "Great!"
      I have taken a credit card with HDFC bank.The limit is not sufficient to transact with the card.Net banking facility is not applicable for thus card as i don't have an account with them.The executives did not intimate about he insurance for the card however i have been charged for the same of Rs 900,contacted the bank they promised to reverse the charges.
      Was this review helpful? 4
      , bangalore
      Reviewed on Dec 15, 2017
    • HDFC Bank Credit Card
      "Better card to use"
      0.5 4.0/5 "Great!"
      I have a HDFC credit card from last 6-7 months, the credit card services are very good in HDFC bank when compared to all other credit cards. There is no annual fee in this credit card. I get 10% instant cash back on mobile purchase and Rs 2500 cash back on Make My Trip. I have a credit limit of Rs 45000 and the cash limit of Rs 18000. I use net banking for making payments and there is no transaction issues.
      Was this review helpful? 1
      , pune
      Reviewed on Dec 15, 2017
    • HDFC Bank Credit Card
      "Good service"
      0.5 5.0/5 "Blown Away!"
      I have taken a credit card with HDFC bank.The limit on the card is 50,000.I pay an annual fees of 500 to hold this card.The card type is Simply save card.The phone banking service is good and net banking service is convenient to use.I am happy banking with them.
      Was this review helpful? 2
      , mumbai
      Reviewed on Dec 15, 2017
    • HDFC Bank Credit Card
      "Good service"
      0.5 4.0/5 "Great!"
      I have taken a credit card with HDFC bank.They have offered a limit of 40,000.I don't have to pay an annual fees to use this card.I use net banking to make payment for the card bills.Phone banking service is good and respond on time.I do get reward points for every purchase and offers for shopping but i don't utilize it.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 15, 2017
    • HDFC Bank Credit Card
      "Best"
      0.5 4.0/5 "Great!"
      I am having the HDFC bank credit card and am using it from the last seven to eight months of time. I would like to say that the customer service is very good one for me, also the credit limit value is an excellent one for me.
      Was this review helpful? 1
      , mumbai
      Reviewed on Dec 15, 2017
    • HDFC Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I do have HDFC bank credit card and am using it from the last two years of time. I would like to say that the response is fine one or me and the credit limit value is good one for me. I am happy with the HDFC bank credit card.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 15, 2017
    • HDFC Bank Credit Card
      "Very good card to use"
      0.5 5.0/5 "Blown Away!"
      I use the HDFC bank credit card for shopping, for fuel, for electronic purchases and for other usages,. I am satisfied with the credit limit with the Credit limit, I have approached their customer support to increase the credit limit but they haven't increased it yet.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 15, 2017
    • HDFC Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      My credit card was taken with HDFC Bank. I am using platinum credit card for past 8 months. They offered a credit limit of 15K which was not good. I didn't get much discounts with them. It is a life time free credit card. Best thing is I can transfer the money into my account without any charges.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 15, 2017
    • HDFC Bank Credit Card
      "Very good"
      0.5 4.5/5 "Excellent!"
      I have my credit card with HDFC bank.I hold diner's club International card and the credit limit was 50,000. The customer service and responses was satisfactory . MY overall experience was very good so I would like to recommend to friends and others.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 15, 2017
    • HDFC Bank Credit Card
      "Very good"
      0.5 4.5/5 "Excellent!"
      I have my credit card with HDFC bank.I hold diner's club International card and the credit limit was 50,000. The customer service and responses was satisfactory . My overall experience was very good so I would like to recommend to others and friends.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 15, 2017
    • HDFC Bank Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have taken a HDFC credit card with a limit toe lakhs.I don't have to pay an annual fees to hold this card.I have offers for shopping.Net and mobile banking is excellent to use. Phone banking response is prompt.The card was processed within 7 days of time.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 15, 2017
    • HDFC Bank Credit Card
      "Good card to use"
      0.5 4.0/5 "Great!"
      The updates are very good with the HDFC bank, The credit card statements are sent on time from the HDFC bank. I have the HDFC bank money back credit card for more than a year. The customer support is good with the HDFC bank credit card department. This card is valid up to 2020.
      Was this review helpful? 0
      , hyderabad
      Reviewed on Dec 15, 2017
    • HDFC Bank Credit Card
      "Need to be Transparent to the customer"
      0.5 5.0/5 "Blown Away!"
      I have applied for a credit card with HDFC bank.The limit on the card is 1.25 lakhs i am not satisfied with the limit on the card as they promised to give 3 lakhs.The bank has activated insurance for the card with the charges without informing me.I am totally not satisfied with the service as they need to be transparent to the customer.
      Was this review helpful? 1
      , hyderabad
      Reviewed on Dec 15, 2017
    • HDFC Bank Credit Card
      "Good card"
      0.5 5.0/5 "Blown Away!"
      I am using Money Back credit card with HDFC Bank. The limit is very good and it is easy to do all my transactions. The reward points and cash back offers are fine. I am using this credit card for around 1 year. It is a life time free credit card. The charges are good.
      Was this review helpful? 0
      , mumbai
      Reviewed on Dec 15, 2017
    • HDFC Bank Credit Card
      "Excellent service"
      0.5 5.0/5 "Blown Away!"
      I have taken a credit card with HDFC bank.the limit on the card is 75,000.I pay an annual fees to hold this card of Rs 1000.I do get offers on the card and the net banking and phone banking service is good.Overall its a good experience with the bank.
      Was this review helpful? 0
      , secunderabad
      Reviewed on Dec 15, 2017
    • HDFC Bank Credit Card
      "Best banking"
      0.5 4.0/5 "Great!"
      I have applied for a credit card with HDFC bank.The bank has approved for a limit of 60,000 i am not happy with limit as expected more probably will increase it in future.The rate of interest is high as compared to others.I don't have to pay an annual fees to hold this card.
      Was this review helpful? 0
      , bangalore
      Reviewed on Dec 14, 2017
    • HDFC Bank Credit Card
      "Satisfied with limit"
      0.5 5.0/5 "Blown Away!"
      I hold a HDFC credit card with a limit of 1 lakhs 25 thousand. I get reward points and cash backs with the card. There is no annual charges with HDFC. The customer service and response from the bank end was perfect. I am totally satisfied with the card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 14, 2017
    • HDFC Bank Credit Card
      "Best banking"
      0.5 4.0/5 "Great!"
      I hold a HDFC credit card with a limit of 25,000. I need not pay an annul fees to hold this card.I have got best experience with hdfc bank. I pay my card bills by cheque.I use Mobile App as its very sufficient to transact.There is an EMI option on the card.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 14, 2017
    • HDFC Bank Credit Card
      "Not satisfied"
      0.5 2.5/5 "Just OK"
      HDFC Bank needs to work on their services overall for the credit card. The customer service is not up to the mark and I am not okay with the way the response is to the customer. The net banking is also not good and I need to wait for a long time to get connected. The offers and limit is okay.
      Was this review helpful? 0
      , new delhi
      Reviewed on Dec 14, 2017
    • HDFC Bank Credit Card
      "Best banking"
      0.5 4.0/5 "Great!"
      I have taken HDFC a credit card with limit of 70,000 also I am happy holding the card.I pay an annual fees of 1000 to maintain the card.I have started using the card,I do get offers on the card.I make payment through online.The executives are good and they always respond on time.
      Was this review helpful? 1
      , bangalore
      Reviewed on Dec 14, 2017
    Common Loader Icon
  • reTH65gcmBgCJ7k
    This Page is BLOCKED as it is using Iframes.