HDFC Business Regalia Credit Card

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.

Have a look at all the capping on reward points redemption with HDFC Business Regalia Credit Card.

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 ₹500 per statement cycle.

Lounge Access

Use the HDFC Bank Business Regalia Credit Card to get eight complimentary lounge access per calendar year within India at international and domestic terminals. Just swipe your credit card at the lounge to enjoy 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.

Starting from 1st April 2025, cardholders would need to spend ₹1 lakh in the previous quarter to be eligible for complimentary domestic airport lounge access. 

Priority Pass Benefit

Apply for a Priority Pass for yourself and add on members by 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 six 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.

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 3.75% per month (45% annually) will apply to the due amount on the 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:

Latest Updates on HDFC Business Regalia Credit Card

• Starting April 1, 2025, the HDFC Business Regalia Credit Card will no longer provide any insurance benefits. Additionally, the number of complimentary domestic airport lounge visits will be reduced from 12 to 8 each year. A new requirement will also be implemented, whereby cardholders must spend ₹1 lakh each quarter to be eligible for these lounge visits, significantly decreasing the value of the 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 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 earn up to 4 points for spending ₹150. The card offers 8 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.