HDFC Business Regalia Credit Card Devaluation April 2025

Once the crown jewel of HDFC, the Regalia Credit Cards were among the bank’s most popular offerings in both the personal and business segments. However, over time and with the introduction of new credit cards, the issuance of HDFC Regalia Credit Cards has nearly been discontinued, with the exception of the HDFC Regalia Gold Credit Card. In the case of business credit cards, the Business Regalia series has been replaced by the new and better Biz Credit Cards offered by HDFC. Nonetheless, many customers still hold and actively use their previously issued cards, such as the HDFC Business Regalia Credit Card. For such users, there is important news.

Starting from April 1, 2025, there will be major changes to the HDFC Business Regalia Credit Card.

• The number of complimentary domestic airport lounge accesses has been reduced from 12 to 8.
• Additionally, a new spending criterion has been introduced for free airport lounge access. Cardholders will now need to spend ₹1 lakh in the previous quarter to qualify for this benefit.
• Starting April 1, 2025, the following insurance benefits will no longer be available: Air Accidental Death Cover, Emergency Overseas Hospitalization Protection, Flight Delay Cover, and Missed Connecting International Flight Cover.

Bottom Line

With the launch of more rewarding Biz Cards like the BizBlack Metal and BizPower Credit Cards, many have forgotten about the Business Regalia Credit Card. However, many customers continue to hold and use their Business Regalia Credit Cards for both everyday and business expenses, many of them even enjoying the benefit of a lifetime free status.

While some customers have chosen to upgrade their old HDFC Business Cards, others hesitate to do so. The recent changes to the Business Regalia Card have made a significant impact, particularly the high spending requirement of ₹1 lakh for free airport lounge access, which is seen as a major devaluation compared to the previous benefits offered. Additionally, regular users of the Business Regalia Credit Card may feel discouraged by the complete removal of insurance benefits associated with the card.