HDFC Business Regalia Credit Card

The HDFC Business Regalia Credit Card lets the user save on their business expenditure through rewards and cashback. Though there are annual charges and more, the rewards and benefits of this credit card make it up to good use for the customer.

HDFC Business Regalia Credit Card.png

Image Source: HDFC Official website

Highlights of the HDFC Business Regalia Business Credit Card

Suitability

Rewards and Cashback 

Fees and Charges

Joining Fee: Rs. 2,500

Annual Fee: Rs. 2,500

Benefits

5% Cashback

Requirements

Rs. lakh ITR Returns

HDFC Business Regalia Credit Card Benefits and Features

The following are the key benefits and features of the HDFC Business Regalia Credit Card-

a) Rewards

  • 4 points for every Rs. 150 spent online (except fuel, EMI, and wallet reloads.)
  • Spend Rs. 5 lakh in a year, and you will receive 10,000 bonus reward points.
  • Get an extra 5,000 bonus reward points if you spend Rs. 8 lakh in a year.
  • Redeem your points for cash credit (100 points = Rs. 20).
  • Reward points can also be used to book flights and hotels.

b) Travel Rewards

  • Priority Pass membership is free for primary and secondary users.
  • Six complimentary visits to international lounges each year.
  • A year includes 12 gratis domestic lounge visits (3 visits per quarter.)
  • A low 2% foreign currency markup fee is applied to all transactions.

c) Fuel Rewards

On purchases of Rs. 400 or more, the 1% fuel surcharge is removed. The maximum waiver provided is Rs. 500 per statement cycle.

d) Insurance Rewards

  • Accidental death in the air is covered up to Rs. 1 crore.
  • Emergency Overseas Hospitalization Coverage in the amount of Rs. 15 lakh.
  • Coverage for flight delays of up to Rs. 25,000 (for primary cardholders only.)
  • Coverage for missing a connecting international flight of up to Rs. 25,000 (for primary cardholders only.)

e) Business Rewards

  • Current account holders of HDFC Bank receive double cash back rewards on business-critical purchases. The highest monthly cashback amount is Rs. 1,000.
  • Customers of HDFC Bank who are merchants are also eligible for a special deal. They can save up to Rs. 1,000 per month on POS machine fees if they spend Rs. 30,000 in a month and accept a volume worth Rs. 25,000.
  • Handle vendor and distributor payments easily with SmartHub, a single app.

HDFC Business Regalia Credit Card Annual Fee and Other Charges

Joining Charges

Rs. 2,500

Annual Fees

Rs. 2,500

Late Payment Fees

  • Less than Rs. 100- Nil
  • Rs. 100 to Rs. 500- Rs.100
  • Rs. 501 to Rs. 5,000- Rs. 500
  • Rs. 5,001 to Rs. 10,000- Rs. 600
  • Rs. 10,001 to Rs. 25,000- Rs. 800
  • Rs. 25,001 to Rs. 50,000- Rs. 1,100
  • More than Rs. 50,000- Rs. 1,300

Interest Rate

3.6% p.m.

Eligibility Criteria

Age

Income

21 - 65 years

Rs. 12 Lakh

Required Documents to Apply

The documents that would have to be carried along with the application for the HDFC Regalia Business Credit Cardare-

  • KYC Documents
  • ITR Returns
  • Photograph (Passport Sized)

How to Apply for the HDFC Business Regalia Credit Card?

There are two major ways to apply for the Credit Card, and they are-

  • Offline: You can apply for the credit card offline by visiting the nearest branch.
  • Online: This process can be done by visiting the official portal of HDFC Bank.

Similar Credit Cards

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Features

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HDFC Freedom Credit Card

One reward point for every spend of Rs.150 spent 

YES Bank Prosperity Reward Plus Credit Card

Four reward points for every Rs.200

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HDFC Regalia Credit Card

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HDFC Freedom Credit Card

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