HDFC Business Regalia Credit Card is designed for business users to maximize savings on business expenses through reward points and cashback. While it carries an annual fee of ₹2,500, the benefits can easily outweigh the cost when used effectively.

HDFC Business Regalia Credit Card Rewards Program

Reward Points:

Earn 4 reward points per ₹150 spent online (excludes fuel, EMI, and wallet reloads).
Get 10,000 bonus points on annual spends of ₹5 lakh and an additional 5,000 points on ₹8 lakh.
Redeem points for cash credit (100 points = ₹20) or against flight and hotel bookings.

Other Features and Benefits

Cashback Offer:

5% cashback on essential business spends like tax, electricity, telephone, and internet bills.
Minimum monthly spend: ₹20,000; max cashback: ₹500 per statement.
HDFC current account holders get double cashback (max ₹1,000/month).

Business Benefits:

Merchant offer: Spend ₹30,000/month and accept volume worth ₹25,000 to save up to ₹1,000/month on POS machine rent.
Manage vendor and distributor payments via SmartHub app.

Travel Benefits:

Complimentary Priority Pass membership for primary and add-on users.
6 international and 12 domestic lounge visits annually (3 per quarter).
Low forex mark-up fee of 2%.

Insurance Cover:

Air accidental death: ₹1 crore.
Emergency overseas hospitalization: ₹15 lakh.
Flight delay & missed connecting international flight cover: ₹25,000 each (primary cardholder).

Fuel Surcharge Waiver:

1% waiver on fuel spends above ₹400 (max ₹500 per statement).

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Cash Advance Charges	Rs.500 or 2.5% of withdrawn amount, whichever is higher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 equal to Rs.100 - Nil Rs.101 to Rs.500 - Rs.100 Rs.501 to Rs.1,000 - Rs.500 Rs.1,001 to Rs.5,000 - Rs.600 Rs.5,001 to Rs.10,000 - Rs.750 Rs.10,001 to Rs.25,000 - Rs.900 Rs.25,001 to Rs.50,000 - Rs.1100 More than Rs.50,000 Rs.1300
Card Re-issuance Fee	Rs.100
Fee for outstation cheque processing	Up to Rs.50

Things to Know Before you apply

Get this card if:

You want cashback and rewards on business expenses.
You are a high spender seeking bonus points.
You want travel perks like lounge access and insurance.

Eligibility Criteria

Age: 21 to 70 years
Occupation: Salaried or Self-employed
Credit Score: Should have a good credit history

Document Required For HDFC Business Regalia Credit Card

Proof of Identity: PAN Card, Aadhaar Card, Driver’s License, Passport, Voter ID
Proof of Address: Aadhaar Card, Driver’s License, Passport
Proof of Income: Latest 3 salary slips, Last 3 months’ bank statement

HDFC Business Regalia Credit Card Hilights

What do we like about this card?

Earn 4 reward points per ₹150 spent online (excludes fuel, EMI, wallet reloads).
Bonus reward points on annual spends: 10,000 on ₹5L, 5,000 on ₹8L.
Redeem points for cash credit, flights, or hotels.
5% cashback on essential business spends (capped at ₹500/month).
Complimentary Priority Pass membership with 6 international & 12 domestic lounge visits.
Low forex markup fee of 2%.
Complimentary insurance: air accident, overseas hospitalization, flight delay, and missed connecting flight.
1% fuel surcharge waiver (max ₹500/month).

Pros

Earn rewards and cashback on business spends.
Complimentary lounge access and travel insurance.
Bonus points for high annual spends.

Cons

High annual fee of ₹2,500.
Cashback capped monthly.
Limited rewards on fuel, EMI, and wallet reloads.

HDFC Bank Credit Card Contact Details

HDFC Card offers multiple ways to get assistance for your credit card queries and services.

Contact Address: Manager, HDFC Bank Cards Division, PO BOX # 8654, Thiruvanmiyur PO Chennai - 600 041
Helpline: You can contact us at 1800 1600 / 1800 2600.
Simply SMS: - SMS “CCHELP” to 5676712

Frequently Asked Questions

Everything you need to know about this credit card

The card carries an annual fee of ₹2,500.

You earn 4 reward points per ₹150 spent online (excluding fuel, EMI, and wallet reloads). Bonus points are given on annual spends: 10,000 points on ₹5L and 5,000 points on ₹8L.

Yes, reward points can be redeemed for cash credit (100 points = ₹20), flights, hotel bookings, or via the HDFC Rewards portal.

You get 5% cashback on essential business spends like tax payments, electricity, telephone, and internet bills, valid on a minimum spend of ₹20,000/month (max ₹500 per statement). HDFC current account holders get double cashback (max ₹1,000).

The card offers Priority Pass membership, 6 international lounge visits, 12 domestic lounge visits per year, and a low 2% forex markup fee.

Yes, the card includes air accident cover up to ₹1 crore, emergency overseas hospitalization up to ₹15 lakh, flight delay cover up to ₹25,000, and missed connecting flight cover up to ₹25,000.

Yes, 1% fuel surcharge waiver on transactions above ₹400, capped at ₹500 per statement cycle.