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

    The HDFC Business Regalia Credit Card allows you to enjoy the best of everything that a business credit card can offer. The primary highlights of the card are the world-class privileges and benefits which enable you to conduct your business with ease.

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    HDFC Business Regalia Credit Card Features and Benefits

    Welcome benefit:

    • As a welcome gift, the HDFC Business Regalia Credit Card offers a complimentary membership on Zomato Gold wherein you get two complimentary drinks or one complimentary dish every time you visit a Gold-partnered restaurant. To avail this benefit, you will have to spend Rs.75,000 on your card within the first three months of issue.

    Cashback Program:

    • With the HDFC Business Regalia Credit Card, you would enjoy a 5% cashback of up to Rs.500 per statement on categories like electricity bill payments, telecom bills, government and other tax payments, railways, hotels bookings, dining, and taxi bookings.
    • To avail this feature, you just need to spend a minimum amount of Rs.20,000 on the card.

    Reward Points Program:

    The HDFC Business Regalia Credit Card offers a highly rewarding reward points program availing which you enjoy the following privileges:

    • Get 15,000 reward points on yearly spends of Rs.8 lakh in every anniversary year
    • Get 10,000 reward points on yearly spends of Rs.5 lakh in every anniversary year

    Airport Lounge programme

    • The HDFC Business Regalia Credit Card gives you preferential access to more than 1000 airport lounges across the globe through the Priority Pass Membership. Through this membership, you can use various facilities such as conference rooms, internet, faxes and phones. The Priority Pass Membership is available to primary card holders as well as add-on card holders. Jointly, the primary holder and the add-on holder can avail six complimentary access to international lounges.

    Contactless Payment Technology

    • You can use the card for contactless payments, thereby ensuring quick, secure and convenient payments at retail outlets. The card can also be used at merchant locations that accept contactless cards.

    Dining Privileges

    • You can use the card to access exclusive dining offers at premium restaurants across the country.

    Other HDFC Bank Credit Cards

    Best-in-class Rewards Programme

    • The HDFC Business Regalia Credit Card can be used to avail rewards on certain spends. For every Rs.150 spent on the card, you can earn four reward points. The points can be accumulated and redeemed on hotel bookings and travel on Smartbuy. Card holders can also redeem up to 70% of the booking value through their reward points when booking hotels or flights. The reward points can also be converted into air miles of major domestic as well as international airlines.

    Travel Concierge Services

    • HDFC Business Regalia Credit Card customers can customize their entertainment and travel experience with the bank’s Travel Concierge Assistance. The service is accessible 24x7 and can be reached on 1800 209 4006 or

    Fuel Benefits:

    • The cardholder gets a 1% fuel surcharge waived on transactions at all fuel stations in India. The minimum transaction should be Rs.400. The maximum cashback of Rs.250 can be availed for every statement cycle.

    Easy EMI Options:

    • You can buy furniture, interiors, or electronics on no-cost EMIs with this card.

    Zero Lost Card Liability:

    • If you lose your HDFC Bank Business Regalia credit card and immediately report it to the HDFC bank credit card customer care, then you are not liable for any fraudulent transactions made using your card.

    Comprehensive Protection

    The card can be used to avail comprehensive insurance covers such as:

    • Air Accidental Death: A cover of Rs.1 crore will be granted to your nominated kin in case of your demise in an air accident.
    • Emergency Overseas Hospitalisation: You can claim a protection worth Rs.15 lakh against medical emergencies that strike during your travels and you are outside your country of residence.
    • Flight Delay: In case of delayed flights, a cover of up to Rs.25,000 is granted to the primary card holder.
    • Card Liability Cover: The primary card holder is eligible for a cover of up to Rs.9 lakh.
    • Missing of Connecting International Flight: In this case, the primary card holder can avail a maximum cover of Rs.25,000.

    HDFC Business Regalia Credit Card Fees and Charges

    Type of credit card fee/charge Amount
    Annual Fee Rs.2,500
    Minimum Amount Due 5% or a minimum of Rs.200
    Cash Advance Limit 40% of the credit limit
    Add-on card fee NIL
    Interest-Free Period Up to 50 days
    Interest Charges 3.49% per month
    Cash Advance Charges Rs.500 or 2.5% of withdrawn amount, whichever is higher
    Over Limit Charges 2.5% of over limit amount, subject to a minimum of Rs.500
    Cash Processing Fee Rs.100
    Rewards Redemption Fee Rs.99 per request
    Late Payment Fee
    • Less than Rs.100 – None
    • Rs.100 to Rs.500 – Rs.100
    • Rs.501 to Rs.5,000 – Rs.500
    • Rs.5,001 to Rs.10,000 – Rs.600
    • Rs.10,001 and 25,000 – Rs.800
    • For more than Rs.25,000 – Rs.950
    Card Re-issuance Fee Rs.100
    Fee for outstation cheque processing Up to Rs.50

    Eligibility to Apply for HDFC Business Regalia Credit Card

    • Applicant must be a self-employed businessman or professional
    • Should be in the age group of 21 to 65 years
    • Should have filed minimum income tax returns of more than 12 lakh in a year.

    Documents Required to Apply for HDFC Business Regalia Credit Card

    • KYC documents such as PAN card, address proof, and ID proof
    • Income tax returns with computation sheet
    • One photograph

    How to Apply for HDFC Business Regalia Credit Card Online?

    You can apply through:

    • HDFC official website

    Apply for Business Regalia Credit Card through HDFC Bank Website

    • Visit Business Regalia Credit Card at
    • Click on the 'Apply Online' button
    • Fill the 'Credit Card Application Form' with the required details
    • Click on 'Submit'

    Once the application is successfully submitted, you will receive a call from HDFC representative, who would guide you through the further application process.

    Apply for Business Regalia Credit Card through BankBazaar

    If you are looking for a paperless approval process, you can apply for the credit card through our BankBazaar website. Besides providing all the information required to know the credit card, we will also allow you to apply for Business Regalia Credit Card through our site.

    You can check your eligibility for the Business Regalia Credit Card, apply for the card, and upload all the required documents online and get approval in a few minutes. Follow the steps to apply for the card through our site.

    • As you're already on the HDFC Business Regalia Credit Card page, click on the 'Check Eligibility' button.
    • You will be prompted with a list of questions - answer all to know your eligibility.
    • Once you're eligible for the card, you will be redirected to the online application page, where you need to fill all the required fields before clicking on 'Submit'.
    • You will then be asked to upload the documents - do the same and click on 'Submit'

    On successful submission of all the documents and application, you will receive an acknowledgement message with the 'Application ID'. The ID can be used to track your application on our website using the 'Track Application' feature.

    FAQs on HDFC Business Regalia Credit Card

    1. In the annual fee waiver applicable on HDFC Business Regalia Credit Card?

      If the cardholder spends Rs.3 lakh in one year, the next year's annual fee will be waived.

    2. What is the validity of HDFC reward points?

      Reward points on HDFC Business Regalia Credit Card are valid for 2 years from the date you accumulated it.

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

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

    4. Do I get reward point for fuel transactions?

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

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