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

    Compare, check your eligibility and apply for credit cards online.

    Credit Card Reviews

    Common Loader Icon

    HDFC Business Regalia Credit Card

    Fees & Charges

    Promised Interest Rate

    Customer Service



    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.


    • Dedicated travel and entertainment portal: Cardholders can redeem their reward points by logging in to 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.


    • 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 - pingdom check string.
    reTH65gcmBgCJ7k - pingdom check string.
    This Page is BLOCKED as it is using Iframes.