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Federal BankBusiness Regalia Credit Card is one of the most popular luxury cards offered by HDFC Bank. The card offers fantastic benefits for every transaction made on travel, shopping, dining, and much more. The card has been designed for business professionals to provide them with luxury rewards on every business and personal transaction. However, HDFC Bank also offers the Regalia Gold Credit Card, which is supposed to be used for solely personal use, unlike the Business Regalia Card, which is targeted at business professionals.
The card comes with a joining fee of ₹2,500 and the Annual renewal fee is ₹2,500 as well. The card offers four reward points on every ₹150 spent with up to 50 days of the interest-free credit period. Also, it comes with HDFC Bank’s utility bill payment service, which allows you to register your credit card with SmartPay and ensure that all your utility bills are paid on time. Apart from this, the HDFC Bank Business Regalia Credit Card offers many great benefits like discounts on dining, milestone rewards, contactless payments, and much more. The cardholder will also receive insurance coverage worth ₹1 crore for accidental air death, coverage worth ₹15 lakhs for emergency hospitalization for overseas treatment, and much more.
The benefits do not stop here, the card also offers free lounge access. 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 up to 20% on Dining Bills With Swiggy Dineout
Rewards Rate
4 RPs/₹150 (Including Insurance and Utilities)
Reward Redemption
Choose to redeem your Reward Points instantly against Airline ticket booking and Hotel bookings.
Travel
Lounge Access Along With Travel Insurance Cover
Golf
N/A
Domestic Lounge Access
12 Free Lounge Access Per Year In India
International Lounge Access
6 Complimentary International Lounge Visits Per Calendar Year via Priority Pass
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 ₹150.
- Enjoy up to 50 days interest-free credit period.
- Zero cost liability on reporting the lost card to the 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 Regalia Business Credit Card Reward Points
The Regalia Business Credit Card offered by the HDFC Bank offers a decent reward rate. The card offers 4 Reward Points/₹150 spent with the card. These reward points shall be valid for two years from the accrual date. Rental, property management services, EasyEMI, and e-wallet loading transactions shall not be awarded any Reward Points. A maximum of 50,000 Reward Points can be earned in a statement cycle with this card.
Reward Redemption
The Reward Points you earn using your HDFC Business Regalia Credit Card can be redeemed for various options, including shopping, travel bookings, gift vouchers, etc., via the HDFC SmartBuy portal or net banking. Moreover, the reward points you earn can also be automatically credited to your account and adjusted against the outstanding balance. Redeem up to 70% of Reward Points on travel bookings (flights, hotels, and experiences) by redeeming reward points. The remaining balance can be paid using a credit card.
| Redemption | RP Value |
| Flight/Hotel Bookings Via Smartbuy | 1 RP = ₹0.50 |
| Cash Against Statement | 1 RP = ₹0.20 |
| Airmiles | 1 RP = ₹0.50 |
| Products and Vouchers Via Smarbuy | 1 RP = ₹0.35 |
Have a look at all the capping on reward points redemption with HDFC Business Regalia Credit Card.
| Redemption | Maximum Cap |
| Flight/Hotel Bookings Via Smartbuy | 50,000 Per Month |
| Against Statement Balance | 50,000 Per Month |
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 on spending of more than ₹3 lakh in the previous year on the HDFC Bank Business Regalia Credit Card.
Milestone benefit
With the HDFC Business Regalia Credit Card, you will receive bonus Reward Points on achieving milestone spends. EMI spends do not count towards the calculation of milestone spends.
- Earn 10,000 Bonus Reward Points on annual spends of ₹5,00,000.
- Earn an additional 5,000 Bonus Reward Points on annual spends of ₹8,00,000.
Concierge Services
Enjoy the exclusive 24/7 Concierge Services on your HDFC Bank Business Regalia Credit Card.
Fuel Surcharge Waiver
Cardholders can get a 1% waiver on the surcharge applicable on fuel purchases made with the HDFC Bank Business Regalia Credit Card. The waiver applies only to fuel transactions between ₹400 and ₹5,000; the maximum waived amount is capped at ₹250 per statement cycle.
Lounge Access
Use the HDFC Bank Business Regalia Credit Card to get 12 complimentary lounge accesses per calendar year within India at international and domestic terminals. Just swipe your credit card at the lounge to avail yourself of the complimentary lounge access. Visits exceeding the complimentary quota will only be allowed at the lounge’s discretion and will also be chargeable by the lounge.
Priority Pass Benefit
Apply for a Priority Pass for yourself and add on members on completing a minimum of 4 retail transactions on your HDFC Bank Business Regalia Credit Card. With Priority Pass, you and your add-on member can together avail of up to 6 Complimentary Lounge Access per calendar year, outside India. After exceeding 6 lounge visits you shall be charged $27 + GST per visit. Diners Club and RuPay Credit Card holders won’t require Priority Pass as they can access international lounges with their cards.
Dining Benefit
You can save up to 20% on dining bills paid through Swiggy Dineout. However, the maximum discount per transaction is capped at ₹1000 and the maximum discount per customer per month is capped at ₹1000.
Insurance Benefits
| Insurance Cover | Amount |
| Accidental Death | ₹10,000,000 |
| Medical Emergency Cover | ₹1,500,000 |
| Flight Delay | ₹25,000 |
| Missing of International Connecting Flight | ₹25,000 |
| Lost Card Liability | Up to ₹900,000 |
HDFC Business Regalia Credit Card Fees & Charges
The fees associated with the HDFC Bank Business Regalia Credit Card are as follows:
- Joining/Annual Fee: HDFC Bank charges ₹2,500 + GST as the joining and renewal fee for the HDFC Bank Business Regalia Credit Card.
- Interest Rate: If the cardholder is unable to clear all the dues by the payment due date, an interest rate of 3.6% per month (43.2% annually) will apply to the due amount on the card.
- Forex Mark-up Fee: A low 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 a flat ₹500 (whichever is higher) applies to cash advance transactions made on the HDFC Bank Business Regalia Credit Card.
HDFC Regalia Business Credit Card Eligibility Criteria
The eligibility requirements that need to be fulfilled by the applicants to get approved for the HDFC Regalia Business Card are mentioned below in the table:
| Work Status | Self Employed |
| Age | 21 Years to 65 Years |
| Income | Minimum ₹12 Lakhs as Per ITR |
How to Apply for HDFC Business Regalia Credit Card?
HDFC Bank provides you with online and 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:
- Click on “Apply Now”
- Proceed further by filling out the digital application form.
- Submit your application.
- After approval, your card shall be delivered.
Latest Updates on HDFC Business Regalia Credit Card
As of April 2023, the cashback feature on HDFC Business Regalia Credit Card for certain categories has been discontinued. Business Regalia Credit Card holders can no longer avail of the following.
- An extra 5% cashback on important business expenses like electricity, telephone and internet bills, and government and tax payments.
HDFC Business Regalia Credit Card Review
HDFC Bank Business Regalia Credit Card has great benefits across different sectors like travel, shopping, and dining. The card allows businesses to spend more on luxury items and necessities and receive reward points. The cardholders can avail of up to 4 points for spending ₹150. The card offers 12 complimentary lounge access per calendar year within India at international and domestic terminals. On top of that, it offers a Priority pass for the primary cardholders along with the add-on members who can easily access international airport lounges for free. This card will be very beneficial for those who are looking for lounge access, a fuel surcharge waiver, dining benefits, annual spending-based benefits, contactless payments, and much more. The card is perfect for business transactions, whether small or large in scale.
This was our HDFC Business Regalia Credit Card review. Let us know in the comments what you think about this offering by HDFC Bank.
