Federal BankHDFC Bank Business Regalia Credit Card is one of the most popular luxury cards offered by HDFC Bank. The card offers great benefits for every transaction made in travel, shopping, dining, and much more. The card has been designed for business professionals to provide them with luxury rewards and cashback on every business and personal transaction. However, HDFC Bank also offers Regalia Credit Card that is supposed to be used for personal use, unlike the Business Regalia Card which is targeted at business professionals.
The card comes with a joining fee of Rs. 2,500 and the Annual renewal fee is Rs. 2,500 as well. The card offers 4 reward points on every Rs. 150 spent with up to 50 days of the interest-free credit period. The card also offers 5% Cashback on Telecom, Utility, Govt & Tax Payments. Also, it comes with HDFC Bank’s Utility Bill payment service where you can register your Credit Card with SmartPay and ensure that all your utility bills are paid on time. Apart from this, HDFC Bank Business Regalia Credit Card offers many great benefits like, Zero Lost card liability, Fuel Surcharge Waiver, Dining Benefit, Annual Spend Based Benefit, Contactless Payment, and much more. The cardholder will also receive Insurance coverage worth Rs. 1 Crore on accidental air death and coverage worth Rs. 15 lakhs for emergency hospitalization for overseas treatment and much more.
The benefits do not stop here, the card also offers many milestone benefits and Lounge access as well. Read on to learn more about the HDFC Bank Business Regalia Credit Card.
HDFC Business Regalia Credit Card
Fees
Joining Fee
Renewal Fee
Best Suited For
Travel | Dining | Shopping |
Reward Type
Reward Points
Welcome Benefits
Movie & Dining
Save upto 20% on dining bills paid through DineoutPAY
Rewards Rate
4 reward points on every spend of Rs. 150.
Reward Redemption
Choose to redeem your Reward Points instantly against Airline ticket booking and Hotel bookings.
Travel
Complimentary access to domestic and international terminals using the HDFC Bank Business Regalia Credit Card with Travel insurance cover as well.
Golf
NA
Domestic Lounge Access
12 complimentary lounge access per calendar year within India at domestic terminals using the HDFC Bank Business Regalia Credit Card.
International Lounge Access
12 complimentary lounge access per calendar year within India at international terminals using the HDFC Bank Business Regalia Credit Card.
Insurance Benefits
Insurance coverage worth Rs. 1 Crore on accidental air death and coverage worth Rs. 15 lakhs for emergency hospitalization for overseas treatment and much more.
Zero Liability Protection
Zero Liability Protection is provided by the HDFC bank against fraudulent transactions on your HDFC Bank Business Regalia Credit Card, if the loss is reported immediately within a stipulated time to the 24-hour HDFC Customer helpline.
Spend Based Waiver
The renewal fee is waived off on spends of more than Rs. 3 lakh in the previous year.
Rewards Redemption Fee
Rs. 99 (plus applicable taxes)
Rewards Redemption Fee
Rs. 99 (plus applicable taxes)
Foreign Currency Markup
2% on all foreign currency spends.
Interest Rates
3.6% per month (43.2% per annum)
Fuel Surcharge
1% fuel surcharge waiver at all fuel stations in India on a minimum of Rs. 400 transaction and a maximum of Rs. 5000 transaction.
Cash Advance Charges
2.5% of the transaction amount or Rs. 500 (whichever is higher)
Add-on Card Fee
Nil
- Earn 4 Reward Points on every transaction of Rs. 150.
- Get 5% Cashback on Telecom, Utility, Govt & Tax Payments.
- Enjoy up to 50 days interest free credit period.
- Zero cost liability on reporting the lost card to bank’s 24 hour call center.
- Enjoy the 24/7 Concierge Services on your HDFC Bank Business Regalia Credit Card
- Get 12 complimentary airport lounge access every year, both at domestic and international terminals.
- Priority Pass for self and add on members.
- Get a 1% fuel surcharge waiver.
HDFC Business Regalia Credit Card Features and Benefits
HDFC Bank Business Regalia Credit Card has been made for Business Professionals to manage their business expenses while earning great reward points and cashback on transactions made by them. The card offers great luxurious benefits and offers. Scroll down to get to know more about these benefits.
Renewal Fee Waiver
The renewal fee is waived off on spends of more than Rs. 3 lakh in the previous year made on HDFC Bank Business Regalia Credit Card.
Milestone benefit
- Earn 15,000 Bonus Reward Points on annual spends of Rs. 8,00,000
- Earn 10,000 Bonus Reward Points on annual spends of Rs. 5,00,000
Concierge Services
Enjoy the exclusive 24/7 Concierge Services on your HDFC Bank Business Regalia Credit Card. Visit Bank’s website to know more about Concierge Services.
Fuel Surcharge Waiver
The cardholders can get a 1% waiver on the surcharge applicable on fuel purchases made with HDFC Bank Business Regalia Credit Card. The waiver is applicable only on fuel transactions between Rs. 400 and Rs. 5,000 and the maximum waived amount is capped at Rs. 250 per statement cycle.
Lounge Access
Get 12 complimentary lounge access per calendar year within India at international and domestic terminals using the HDFC Bank Business Regalia Credit Card. Just swipe your credit card at the lounge to avail the complimentary lounge access. Visits exceeding the complimentary quota will only be allowed at the discretion of lounge and will also be chargeable by the lounge.
Priority Pass Benefit
Apply for Priority Pass for self and add on members on completing minimum 4 retail transactions on your HDFC Bank Business Regalia Credit Card. With Priority Pass, you and your add on member can together avail up to 6 Complimentary Lounge Access per calendar year, outside India.
Dining Benefit
Save upto 20% on dining bills paid through DineoutPAY. Do note that the maximum discount per transaction is capped at 1000 Rs. and the maximum discount per customer per month capped at 1000 Rs.
Insurance Benefits
| Insurance cover description | Cover amount |
| AIR ACCIDENT | Rs. 10,000,000 |
| EMERGENCY MEDICAL EXPENSES | Rs. 1,500,000 |
| FLIGHT DELAY | Rs 25,000 |
| MISSING OF CONNECTING INTERNATIONAL FLIGHT | Rs. 25,000 |
| CARD LIABILITY COVER: | Up to Rs. 900,000 |
Read more about insurance benefits on the HDFC Bank’s website. All the benefits mentioned above are subject to terms and conditions levied by the HDFC Bank, read all terms and conditions carefully.
HDFC Regalia Business Credit Card Reward Points
The Regalia Business Credit Card offered by the HDFC Bank offers a decent reward rate, which is as mentioned below:
- The card offers 4 reward points on every Rs. 150 spent with the card.
- 5% Cashback on Telecom, Utility, Govt & Tax Payments.
- POS Rental Reversal (On monthly spend of Rs. 30,000 on your credit card and the monthly volume of Rs 25,000 on POS machine capped at Rs.1000 per month).
Reward Redemption
The Reward Points you earn using your HDFC Business Regalia Credit Card are redeemable against various options including shopping, travel bookings, gift vouchers, etc, via the HDFC SmartBuy portal or through net banking. Moreover, the cashback that you earn is automatically credited to your account and is adjusted against the outstanding balance.
HDFC Bank Business Regalia Credit Card Fees & Charges
The fees and charges associated with the HDFC Bank Business Regalia Credit Card are as follows:
- Joining Fee: HDFC Bank charges Rs. 2,500 (plus applicable taxes) as the joining fees for the HDFC Bank Business Regalia Credit Card.
- Annual Fee: HDFC Bank charges an annual fee of Rs. 2,500 (plus applicable taxes) for HDFC Bank Business Regalia Credit Card.
- Interest Rate: An interest rate of 3.6% per month (43.2% annually) is applicable on the due amount on the card if the cardholder is unable to clear all the dues by the payment due date.
- Forex Mark-up Fee: A foreign currency mark-up fee of 2% (plus applicable taxes) of the transaction amount is applicable on all foreign currency transactions made with HDFC Bank Business Regalia Credit Card.
- Cash Advance Charges: A charge of 2.5% of the amount withdrawn or flat Rs. 500 (whichever is higher) is applicable on the cash advance transactions made on HDFC Bank Business Regalia Credit Card.
HDFC Regalia Business Credit Card Eligibility Criteria
The eligibility requirements that need to be fulfilled by the applicants in order to get approved for the HDFC Regalia Business Card are mentioned below in the table:
| Category | Self Employed |
| Age | 21 Years to 65 Years. |
| Income | Minimum Rs 12 Lakhs as per ITR |
Other than this, the bank may have some internal criteria that can affect your eligibility for this credit card.
Documents Required
The documents required to apply for the HDFC Business Regalia Credit Card are listed below:
- Identity Proof: PAN Card, Aadhar Card, Voter’s Id, Passport, etc.
- Address Proof: Aadhar Card, Utility bills of latest months, Passport, etc.
- Other documents that you might need include a passport-sized photograph, Passport, Driving License, audited ITR, Jb Card issued by NREGA, etc.
How To Apply For HDFC Business Regalia Credit Card?
HDFC Bank provides you with online as well as offline methods to apply for the HDFC Bank Business Regalia Credit Card. You can apply offline by visiting your nearest HDFC Bank branch and filling out the physical application form. To apply online, you can follow a few simple steps as mentioned below:
- Visit HDFC Bank’s official website.
- Under the option ‘Borrow,’ click on Cards and then on Credit Cards.
- Under the category, Corporate/Business Credit Cards, select the ‘HDFC Business Regalia Credit Card.’
- Click on Apply Now and proceed further by filling in the digital application form.
Conclusion
HDFC Bank Business Regalia Credit Card comes with great benefits across different sectors like travel, shopping, and dining. The card offers businesses to spend more in luxury and receive more as Reward points and cashbacks. The cardholders can avail of up to 4 points for spending Rs. 150 and enjoy 5% Cashback on Telecom, Utility, Govt & Tax Payments. The card offers 12 complimentary lounge access per calendar year within India at international and domestic terminals and on top of that, offers a Priority pass for the primary cardholders along with the Add-on members. This card will be very beneficial for those who are looking for Lounge access, Fuel Surcharge Waiver, Dining Benefit, Annual Spend Based Benefit, Contactless Payment, and much more. The card is made for a purely luxurious experience.
This was the HDFC Business Regalia Credit Card review from our side. Let us know in the comments, what you think about this offering by HDFC Bank.
FAQs:
Yes, the renewal fee is waived off if you are able to to spend Rs. 3,00,000 in the previous year.
The Cardmember must notify the 24 Hour Call Center of the bank immediately if the Primary or any Additional credit card is misplaced, lost, stolen, mutilated or not received.
Do note that the Bank is not liable or responsible for any fraudulent transactions incurred on the card account prior to time of reporting of the loss of the card, and the Cardmember will be wholly liable for the same.
However, after the receipt of proper of the loss by the bank, the Cardmember’s subsequent liability is zero.
The limit on HDFC Bank Business Regalia Credit Card is decided by the bank officials, and it totally depends upon the credit report (credit score) of the applicant.
HDFC Bank Business Regalia Credit Card offers 4 Reward Points on every transaction of Rs. 150.
So if you spend around Rs. 25,000 on your HDFC Bank Business Regalia Credit Card then your total reward points will be around 665.
(4 RP for spends of Rs. 25,000;
25,000 *4/150 = 666)
Yes, you will get 12 complimentary lounge access per calendar year within India at international and domestic terminals using the HDFC Bank Business Regalia Credit Card.
HDFC Bank Business Regalia Credit Card offers 1% fuel surcharge waiver at all fuel stations in India on a minimum transaction of Rs. 400 and a maximum of Rs. 5000 transaction.
Yes, you can apply for Priority Pass for self and add on members once you complete minimum 4 retail transactions on your HDFC Bank Business Regalia Credit Card. With the Priority Pass, you and your add on member can together avail up to 6 Complimentary Lounge Access per calendar year, outside India.
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