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HDFC Bank Business Regalia Credit Card

VisaBusiness

HDFC Business Regalia Credit Card is a premium business card offering 4 Reward Points per ₹150, airport lounge access, and tailored business travel benefits.

Best for: Business travel, corporate dining, and expense management
Annual Fee
₹2,500
Finance Charge
3.75% /mo
Forex Markup
3.5%
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Welcome Benefit

2,500 Reward Points as welcome bonus on joining fee payment.

Estimated value: ₹2,000

Condition: Welcome benefit is credited within 30–45 days of first transaction or after spending ₹2,500 within 90 days of card issuance.

Fees & Charges

Joining Fee₹2,500
Annual Fee₹2,500
Renewal Fee₹2,500
Add-on Card Fee₹0
Fee WaiverAnnual fee waived on spending ₹3,00,000 or more in the previous year.
APR (Annual)45%
Finance Charge3.75% per month
Interest-Free DaysUp to 50 days
Cash Advance Fee2.5% (min ₹500)
Overlimit Fee2.5% of overlimit (min ₹500)

Rewards & Earn Rates

Program: HDFC Reward Points (SmartBuy) (points) · 1 point = ₹0.5

CategoryEarn Rate
All Retail Spends4 Reward Points per ₹150 on all spends

Base reward points uncapped. Accelerated/bonus category points may be subject to monthly caps.

Points expire after 36 months

Lounge Access

internationalPriority Pass

6 complimentary international lounge visits per year via Priority Pass.

6 visits/year
domesticDreamfolks

12 complimentary domestic lounge visits per year.

12 visits/year

Insurance Cover

lost_card_liability

In case of card loss or theft, you are not liable for any fraudulent transactions if you report the incident to the bank immediately. Zero liability protection applies 7 days prior to reporting.

Zero liability on fraudulent transactions reported within 7 days

Zero Liability

Forex & Fuel

Forex Markup3.5%
Fuel Surcharge Waiver1% waiver
Monthly Cap₹100
Fuel Reward Rate1% fuel surcharge reversed. Standard reward points earned on fuel as per base rate.

Foreign currency markup of 3.5% is levied on all international transactions. DCC charges of 1% apply when merchant opts to charge in INR.

Eligibility

Age21+ years – up to 65 years
Min Annual Income₹12,00,000
Credit Score725+

Self-employed/business owners: ₹12,00,000+ p.a. ITR. Directors/Proprietors/Partners eligible. Age: 25–65 years.

Editor Rating

3.7
3.7
Overall
Rewards
3.8
Fees
4.2
Lounge
4.0
Travel
3.0
Shopping
3.5
Fuel
3.5
Beginner Friendly
3.8

Pros

  • + Good entry-level benefits
  • + Annual fee easily waived
  • + Fuel surcharge waiver

Cons

  • – Limited premium travel benefits
  • – Moderate reward rate on non-partner spends

The HDFC Bank Business Regalia Credit Card is a mid-range credit card from HDFC Bank with a balanced rewards programme. At ₹2,500/year, the card is easily justified through fee waivers and regular usage benefits.

Frequently Asked Questions

What is the annual fee for the HDFC Bank Business Regalia Credit Card?▼
The annual fee is ₹2,500 + applicable GST. Fee waiver may be available on meeting annual spend milestones.
How do I redeem reward points on the HDFC Bank Business Regalia Credit Card?▼
Reward points can be redeemed via the bank's net banking portal or mobile app against flight/hotel bookings, statement credit, product catalogue, or transfer to partner loyalty programs. Minimum redemption thresholds apply.
What is the interest-free credit period?▼
You get up to 50 interest-free days from the date of transaction, provided you pay the full outstanding balance by the due date every month.
What happens if I miss the payment due date?▼
A late payment fee will be charged as per the bank's slab: Nil for statement balance up to ₹100; ₹100 for ₹101–₹500; ₹500 for ₹501–₹5,000; ₹750 for ₹5,001–₹10,000; ₹950 for ₹10,00... Additionally, finance charges of 3.75% per month will apply on the outstanding balance.
Is the card accepted internationally?▼
Yes, this card carries the Visa/Mastercard/RuPay network and is accepted at millions of merchants globally. A foreign currency markup fee applies on international transactions.