HDFC Business Regalia Credit Card

The HDFC Business Regalia Credit Card allows you to enjoy the best of everything that a business credit card can offer. The primary highlights of the card are the world-class privileges and benefits which enable you to conduct your business with ease.

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HDFC Business Regalia Credit Card Features and Benefits

Welcome benefit:

  1. As a welcome gift, the HDFC Business Regalia Credit Card offers a complimentary membership on Zomato Gold wherein you get two complimentary drinks or one complimentary dish every time you visit a Gold-partnered restaurant. To avail this benefit, you will have to spend Rs.75,000 on your card within the first three months of issue.

Cashback Program:

  1. With the HDFC Business Regalia Credit Card, you would enjoy a 5% cashback of up to Rs.500 per statement on categories like electricity bill payments, telecom bills, government and other tax payments, railways, hotels bookings, dining, and taxi bookings.
  2. To avail this feature, you just need to spend a minimum amount of Rs.20,000 on the card.

Reward Points Program:

The HDFC Business Regalia Credit Card offers a highly rewarding reward points program availing which you enjoy the following privileges:

  1. Get 15,000 reward points on yearly spends of Rs.8 lakh in every anniversary year
  2. Get 10,000 reward points on yearly spends of Rs.5 lakh in every anniversary year

Airport Lounge programme

  1. The HDFC Business Regalia Credit Card gives you preferential access to more than 1000 airport lounges across the globe through the Priority Pass Membership. Through this membership, you can use various facilities such as conference rooms, internet, faxes and phones. The Priority Pass Membership is available to primary card holders as well as add-on card holders. Jointly, the primary holder and the add-on holder can avail six complimentary access to international lounges.

Contactless Payment Technology

  1. You can use the card for contactless payments, thereby ensuring quick, secure and convenient payments at retail outlets. The card can also be used at merchant locations that accept contactless cards.

Dining Privileges

  1. You can use the card to access exclusive dining offers at premium restaurants across the country.

Best-in-class Rewards Programme

  1. The HDFC Business Regalia Credit Card can be used to avail rewards on certain spends. For every Rs.150 spent on the card, you can earn four reward points. The points can be accumulated and redeemed on hotel bookings and travel on Smartbuy. Card holders can also redeem up to 70% of the booking value through their reward points when booking hotels or flights. The reward points can also be converted into air miles of major domestic as well as international airlines.

Travel Concierge Services

  1. HDFC Business Regalia Credit Card customers can customize their entertainment and travel experience with the bank's Travel Concierge Assistance. The service is accessible 24x7 and can be reached on 1800 209 4006 or membersupport@hdfcbankregalia.com.

Fuel Benefits:

  1. The cardholder gets a 1% fuel surcharge waived on transactions at all fuel stations in India. The minimum transaction should be Rs.400. The maximum cashback of Rs.250 can be availed for every statement cycle.

Easy EMI Options:

  1. You can buy furniture, interiors, or electronics on no-cost EMIs with this card.

Zero Lost Card Liability:

  1. If you lose your HDFC Bank Business Regalia credit card and immediately report it to the HDFC bank credit card customer care, then you are not liable for any fraudulent transactions made using your card.

Comprehensive Protection

The card can be used to avail comprehensive insurance covers such as:

  1. Air Accidental Death: A cover of Rs.1 crore will be granted to your nominated kin in case of your demise in an air accident.
  2. Emergency Overseas Hospitalisation: You can claim a protection worth Rs.15 lakh against medical emergencies that strike during your travels and you are outside your country of residence.
  3. Flight Delay: In case of delayed flights, a cover of up to Rs.25,000 is granted to the primary card holder.
  4. Card Liability Cover: The primary card holder is eligible for a cover of up to Rs.9 lakh.
  5. Missing of Connecting International Flight: In this case, the primary card holder can avail a maximum cover of Rs.25,000.
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HDFC Business Regalia Credit Card Fees and Charges

Type of credit card fee/charge

Amount

Annual Fee

Rs.2,500

Minimum Amount Due

5% or a minimum of Rs.200

Cash Advance Limit

40% of the credit limit

Add-on card fee

NIL

Interest-Free Period

Up to 50 days

Interest Charges

3.49% per month

Cash Advance Charges

Rs.500 or 2.5% of withdrawn amount, whichever is higher

Over Limit Charges

2.5% of over limit amount, subject to a minimum of Rs.500

Cash Processing Fee

Rs.100

Rewards Redemption Fee

Rs.99 per request

Late Payment Fee

  1. Less than equal to Rs.100 - Nil
  2. Rs.101 to Rs.500 - Rs.100
  3. Rs.501 to Rs.1,000 - Rs.500
  4. Rs.1,001 to Rs.5,000 - Rs.600
  5. Rs.5,001 to Rs.10,000 - Rs.750
  6. Rs.10,001 to Rs.25,000 - Rs.900
  7. Rs.25,001 to Rs.50,000 - Rs.1100
  8. More than Rs.50,000 Rs.1300

Card Re-issuance Fee

Rs.100

Fee for outstation cheque processing

Up to Rs.50

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Eligibility to Apply for HDFC Business Regalia Credit Card

  1. Applicant must be a self-employed businessman or professional
  2. Should be in the age group of 21 to 65 years
  3. Should have filed minimum income tax returns of more than 12 lakh in a year.

Documents Required to Apply for HDFC Business Regalia Credit Card

  1. KYC documents such as PAN card, address proof, and ID proof
  2. Income tax returns with computation sheet
  3. One photograph

How to Apply for HDFC Business Regalia Credit Card Online?

  1. Visit Business Regalia Credit Card at www.hdfcbank.com/personal/credit_card/business-regalia
  2. Click on the 'Apply Online' button
  3. Fill the 'Credit Card Application Form' with the required details
  4. Click on 'Submit'

Once the application is successfully submitted, you will receive a call from HDFC representative, who would guide you through the further application process.

FAQs on HDFC Business Regalia Credit Card

  • In the annual fee waiver applicable on HDFC Business Regalia Credit Card?

    If the cardholder spends Rs.3 lakh in one year, the next year's annual fee will be waived.

  • What is the validity of HDFC reward points?

    Reward points on HDFC Business Regalia Credit Card are valid for 2 years from the date you accumulated it.

  • What is the value of each reward point on the HDFC Credit Card?

    Each reward point is valued at 75 paise when you redeem it on HDFC website.

  • Do I get reward point for fuel transactions?

    No. Reward points will not be accrued for fuel transactions.

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