HDFC Bank Business Corporate Regalia Credit Card Review

The HDFC Bank Business Corporate Regalia Credit Card is unmatched when it comes to premium corporate benefits. It packs some lucrative offers and benefits like reward points on every transaction, hdfc regalia lounge access, insurance coverage, fuel surcharge waiver, and a lot of other useful tools that will save you a lot of time.

In fact, this card has enough features to outshine most of the corporate credit cards available in India. This card is powered by Visa, and the rest of the hdfc regalia credit card offers are discussed below. 

HDFC Bank Business Regalia Credit Card Eligibility Criteria:

This card is meant for corporate usage only, and you can only get this card on behalf of your company. 

  • Resident Type: Indian.
  • The annual turnover of the company should be greater than Rs. 10 crores. 
  • The company must be trading for at least 2 years. 
  • A long relationship with the bank will help you to get this business regalia credit card
  • An excellent credit score (above 780) is needed to apply for this card.

Documents Required To Apply For HDFC Regalia Business Credit Card:

  • Photocopy of Address proof (any 1)
    • Last 6 months bank account Statement
    • Aadhar Card
    • Driving License
    • Passport
    • Utility bills
  • Photocopy of ID Proof (any 1)
    • Aadhar card
    • Voter Card
    • Passport
    • PAN Card
  • Two recent passport-sized photographs
  • Proof of income statement:
    • Salaried Person (any 1)
      • Salary Slip of last 3 months
      • ITR (Income Tax Return)
    • Self-employed person
      • Income tax return of the last year
      • Proof of business


  • HDFC bank regalia card joining fee: This will be disclosed at the time of issuance. 
  • HDFC bank regalia card annual fee: This will be disclosed at the time of issuance.

HDFC Regalia Credit Card Benefits

  • Attractive rewards:

With almost every transaction made with this card, you can earn reward points. You can earn 4 hdfc regalia my rewards points for each Rs. 150 transactions made with this card. 

The process of redeeming hdfc credit card regalia reward points is easy. You can convert your points into air miles for most of the leading domestic and international airlines and hotels. You can also use your points to get a product from the hdfc regalia credit card reward points catalog. To redeem your earned points just fill up the hdfc bank regalia credit card rewards redemption form and send it to the hdfc credit card department mail id. 

  • Premium travel experience:

With this card, you will get complimentary membership of the Club Vistara Silver program. 

  • HDFC regalia lounge access benefit:

Under the hdfc regalia card lounge access program, you will get up to 8 free accesses per year to most of the leading airport lounges. Also under the hdfc regalia credit card priority pass program, you will get 6 free accesses to the priority pass lounges worldwide. 

If you are a Visa card user, then click here to find the list of participating Visa lounges. You can also find the list of MasterCard lounges here. 

  • Freedom from fuel surcharge:

If you use this HDFC regalia card to purchase fuel, you will get a 1% waiver on fuel surcharges. This offer is applicable at most fuel stations in India. The transaction amount should be between Rs. 400 to Rs. 5,000 and you can earn a maximum of Rs. 500 waiver in a hdfc regalia credit card credit cycle. 

Your earned benefits will be reflected on your monthly credit card statements, you can check your hdfc credit card statement online from the HDFC credit card net banking account

  • Complimentary insurance coverage:

You will get complimentary insurance and liability coverage with this card. The details of the hdfc bank regalia credit card scheme are illustrated in the table below. 

Particulars Total coverage amount
Air accidental coverage Rs. 1 crore. 
Emergency medical hospitalization coverage (When traveling outside India) Rs. 1 lakh. 
Delay of flights Rs. 15,000 (applicable for the primary cardholder)
Loss of baggage coverage Rs. 15,000 (applicable for the primary cardholder)
International flight missing Rs. 15,000 (applicable for the primary cardholder)
Corporate liability coverage for employee-level frauds  Rs. 2,00,000
Corporate liability coverage for corporate-level frauds Rs. 25,00,000

You can find the complete details from the HDFC credit card terms and conditions page.

  • Helpful tools that will save you a lot of time:

Using the useful features of hdfc regalia credit card you can save a lot of your precious time and the features will also help you to run your business much smoother. 

Individual services Benefits
Convenient resolution process
  • Easy access to domestic and international transaction reports.
  • Easy and convenient claiming process.
  • Minimal processing time. 
Extra savings
  • Up to 50 days of the interest-free period. 
  • Extra savings on flights and hotel bookings. 
Advanced reporting tools
  • Detailed reports on spend categories, expenses anytime you want. 
  • Detailed transaction history of each of your add-on members. 
  • A dedicated portal for all your business-related needs:

The HDFC SmartBuy portal is dedicated to all your business needs. You can use this portal for flight ticket/hotel booking, hdfc regalia credit card reward points redemption, etc. The hdfc regalia credit card reward points value in rupees in Smartbuy is Rs. 0.30.

  • Easy bill payment options:

You can make your monthly credit card bill payment through hdfc credit card net banking account, PayZapp, or by using any credit card payment app. But if you don’t like to make your hdfc credit card payment online , then you can pay your credit card bill offline via cheque, NEFT, ATM, or by visiting your nearby HDFC branch. If you need the hdfc credit card neft ifsc code then you can find it here

  • Advanced contactless payment system:

This card is equipped with an advanced contactless payment system; this feature allows you to make credit card payments with just a wave at any secure reader machine. 

For security reasons, the maximum contactless transaction amount is limited to Rs. 5000 per transaction. You can control the contactless payment option from the HDFC credit card mobile app

HDFC Credit Card Schedule Of Charges:

  • Cash Withdrawal Charge: 2.5% against the withdrawal amount (min Rs. 500). Check your hdfc credit card limit before making a withdrawal. 
  • Finance Charges: The HDFC business regalia credit card interest rate is 3.49% monthly or 41.88% annually. 
  • Foreign currency conversion charge: 2% against the transaction amount. 
  • Add-on card fee: Free for a lifetime. 

Regalia Credit Card Customer Care Contact Details: 

  • Call the hdfc credit card toll free number : 1800-266-4332 (Toll Free) or 022-616-6161
  • Write to the hdfc credit card email id :
  • You can chat with the hdfc credit card customer care online chat boat EVA.  

If you don’t use your old HDFC credit card account anymore then you can just close it. To close your credit card account just download the hdfc credit card closing form and send it to the hdfc credit card mailing address given on the form. 

100xGain Ratings: 


Final Opinion:

Hopefully, this hdfc bank regalia credit card review has helped you to understand this card better. It has a number of premium benefits and features that will help you to run your business much more smoothly. Also with free lounge access, liability coverage protection, and the complimentary Club Vistara Membership, this card can make your business trips much more luxurious and tension-free. 

There are some minor drawbacks to this card. It does not offer anything in the dining and entertainment categories, but apart from that there is nothing much to complain about, and if you are looking for a premium quality business card then you should definitely go for this card. 

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