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  • HDFC Business Regalia Credit Card

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    The HDFC Business Regalia Credit Card allows you to enjoy the best of everything that a business 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.

    HDFC Business Regalia Credit Card Features And Benefits

    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 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:

    • On every Rs.150 that you spend on the card, you earn 4 reward points.
    • On every Rs.150 spent at participating merchant locations, you earn 40 reward points. However, the maximum points that you can accumulate here is 5,000 per statement.
    • On annual spends of at least Rs.8 lakh, you get 15,000 reward points
    • On annual spends of at least Rs.5 lakh, you get 10,000 reward points

    Redemption Of Reward Points:

    You get a host of attractive options to redeem the accumulated points on your HDFC Business Regalia Credit Card.

    • You can redeem the points for travel and hotel bookings, purchasing exclusive gifts, and also for converting them into air miles.
    • The value of each reward point is Rs.0.50.
    • For every reward redemption request, you would be charged Rs.99.
    • The reward points are valid for 2 years from the date of accumulation.

    Exclusive Dining Offers:With HDFC Business Regalia credit card, you can enjoy exclusive dining offers at over 3,000 premium restaurants in India.

    Complimentary Club Vistara Silver Membership:

    You also get free Club Vistara Silver membership card which allows you to earn 9 Club Vistara points on every Rs.100 spent on booking Vistara flights. You can also carry additional 5 kg baggage in all Vistara flights. Priority airport check-in and boarding is also included in this card.

    Fuel Surcharge Waiver:

    With the HDFC Business Regalia credit card, you can save up to Rs.6,000 per year on fuel expenses.

    Air Accidental Death Protection:

    If you are a Business Regalia cardholder, you can nominate your loved one to receive compensation of up to Rs.1 crore in case of death in an air accident.

    HDFC Concierge Services:

    Concierge services offered by HDFC to Business Regalia cardholders include travel bookings, hotel reservations, and entertainment bookings.

    Comprehensive Protection:

    You also enjoy a cover of up to Rs.25,000 for protection against flight delay and another Rs.25,000 for protection against missing a connecting international flight. As a card liability protection, you get a cover of Rs.9 lakh. You also get burglary and free fire protection of items over Rs.5,000 for 180 days.

    Emergency Overseas Hospitalization:

    In case of any medical emergency abroad, cardholders get protection worth up to Rs.15 lakh. This facility is available only to the primary cardholders.

    Complimentary Airport Lounge Access:

    Cardholders get a free Priority Pass Membership and can enjoy free access to over 1,000 airports around the world. Customers can also:

    • Enjoy free refreshments and use facilities like phones, fax, internet, and conference rooms.
    • Under the Visa/Mastercard Lounge Access Program, you enjoy 12 free access to lounges within India.
    • 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 spend, you enjoy a low foreign currency mark-up up to 2%.

    Contactless Feature:

    The contactless feature of the card allows you to pay at merchant POS terminals just by waving the card. For transaction below Rs.2,000, you don't need to enter your card PIN to initiate the transaction. Thus you transactions are faster, safer, and more convenient.

    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 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 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 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 for HDFC Business Regalia Credit Card online through –

    • HDFC official website
    • BankBazaar.com

    Apply for Business Regalia Credit Card through HDFC Bank website

    • Visit Business Regalia Credit Card at www.hdfcbank.com/personal/credit_card/business-regalia
    • 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 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 about 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?
    5. No. Reward points will not be accrued for fuel transactions.

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    Credit Card Reviews

    • HDFC Bank Credit Card
      "Excellent"
      0.5 5.0/5 "Blown Away!"
      I was applied for HDFC credit card ,variant is HDFC business regalia credit card and all transition getting reward point and cash back offers,customer service is good,documents submitted through agent ,on time received HDFC credit card and welcome kit.past 3 years using HDFC credit card ,customer service is very good.
      Was this review helpful? 2
      , mumbai
      Reviewed on May 24, 2019
    • HDFC Bank
      HDFC Bank Credit Card
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I am using the HDFC REGALIA CREDIT CARD for the last two years where the services of them had been really good. There is a good credit limit with this card and the reward point system with this card has also been good. It has an annual charges of 1500 and they used to provide me with insta loans and also insta jumbo loans.
      Was this review helpful? 0
      , hyderabad
      Reviewed on May 11, 2019
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