HDFC Bank Business Regalia Credit Card Review

HDFC business regalia credit card is a premium business credit card from HDFC Bank, this card is specially designed to maintain your business-related expenses. It offers attractive cashback, free domestic and international hdfc card lounge access, No cost EMI on top brands, lost card liability coverage, complimentary hdfc credit card insurance coverage coverage, and a lot of other useful hdfc regalia credit card features that will help you to run your business more smoothly. 

How does the hdfc regalia credit card eligibility work?

**Since it is a business credit card, only a self-employed Indian can apply for this hdfc credit card

  • Resident Type: Indian
  • Age: The age of the applicant should be between 21 to 65 years. 
  • Income: The annual Income Tax Return should be greater than Rs.12 lakh. 
  • A long relationship with the bank will help you to get this hdfc business credit card
  • An excellent credit score of 780 is needed to apply for this hdfc regalia business credit card

If you are confused with the hdfc bank credit card application process, or if you want to know how to apply hdfc credit card online? then feel free to visit our FAQ page

What documents are required to apply for the business regalia 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

Once your hdfc credit card application form is submitted, you will get an application id, you can check your hdfc bank online credit card application status with it. 

What are the hdfc business regalia credit card fees?

  • HDFC regalia credit card joining fee: Rs. 2500 + GST
  • HDFC business regalia credit card annual fee: Rs.2500 + GST

What are the hdfc business regalia credit card benefits?

  • Attractive cashback on everyday credit card usage:

This hdfc bank regalia card offers exclusive cashback on hdfc credit card business-related expenses. You will get up to 5% cashback on utility and Tax payments. 

This hdfc credit card cashback offer is applicable if the monthly credit card spending is above Rs.20,000 and you can earn a maximum of Rs. 500 cashback in a credit card billing cycle

  • Complimentary hdfc regalia card lounge access facility:

Your hdfc business regalia credit card gives you free access to the domestic and international airport lounges. 

Lounge program



HDFC visa credit card lounge access program 12 accesses per year, 3 visits per quarter Indian airport lounges
HDFC priority pass program 6 free visits per year International lounges.

You can apply for the hdfc priority pass membership just after completing 4 retail transactions with your HDFC business regalia credit card.

  • Attractive hdfc regalia credit card dining offers:

This hdfc premium credit card offers up to a 20% discount on your dining bills paid using the hdfc dineout app.  

  • Make every transaction rewarding:

This card offers 4 regalia rewards with every Rs.150 transaction made using this regalia hdfc credit card (excluding fuel, wallet top-up, and EMI). You can also earn some extra hdfc regalia rewards depending on your credit card usage.

Total spend

Total benefit

Rs.5,00,000 in a year 10,000 bonus regalia reward points
Rs.8,00,000 in a year 15,000 bonus hdfc bank regalia rewards
Rs.30,000 with your hdfc regalia card and Rs.25,000 on POS machine in a month Up to Rs.1000 waiver on POS rental fee

You can redeem hdfc credit card reward points with a number of reward points redemption options. You can use the earned hdfc regalia credit card points for hotel and flight bookings. You can also click here for other hdfc regalia credit card reward points redemption options.  

  • Get an opportunity to make your card lifetime free:

Credit card usage


Rs.3,00,000 within 12 months A complete waiver on your hdfc regalia credit card annual fee
Rs.60,000 within the first 90 days of activating hdfc credit card A full waiver on 1st-year hdfc bank credit card joining fee

You can track your credit hdfc credit card available balance from the mobile application for hdfc credit card.

  • Complimentary insurance coverage protection:

The details of the hdfc credit card insurance policy are discussed below.   


Total coverage amount

Air accidental deaths Rs.1 crore
Emergency overseas hospitalization coverage Rs.15 lakh
Flight delay coverage Rs.25,000 (applicable for the primary cardholder)
International flights missing coverage   Rs.25,000 (applicable for the primary cardholder)

Click here for the complete terms and conditions for credit card insurance coverage. You can also update your nominee details from here

  • Get freedom from fuel surcharges:

Use your hdfc bank business regalia credit card to purchase fuel and you will get a 1% hdfc fuel surcharge waiver across all fuel stations in India. The minimum hdfc credit card transaction amount should be Rs.400 and you can get up to Rs.250 surcharge waiver in a hdfc credit card billing cycle

  • Complimentary lost card liability coverage:

This hdfc credit card features complete liability coverage on lost or stolen cards. That means if your card ever gets lost or stolen, you just have to file a lost credit card report by calling the HDFC regalia customer care number and you will no longer be liable for anything bad that may happen to your hdfc bank regalia card account.

You can also block your missing hdfc bank credit card account from your credit card net banking or hdfc credit card phone banking account. You can visit our FAQ page to know the complete process. 

  • Instant hdfc credit card bill payment options:

You are allowed to pay your hdfc credit card bill online from your hdfc internet banking credit card account or by using any credit card bill payment app like Cred, Paytm, Phone Pe, Google Pay, etc.

  • Enjoy the convenience of hdfc credit card no-cost EMI option:

Using this hdfc business regalia card you can purchase your office essentials in EMI without paying any extra charges. Click here for the current hdfc regalia offers. You can calculate the monthly installment amount from the hdfc credit card emi interest rate calculator.

If you don’t want to know; how to convert hdfc credit card bill to emi? then feel free to visit our FAQ page for the hdfc credit card emi conversion process. 

What are the hdfc regalia credit card charges?


Payable amount

HDFC credit card withdrawal charges  2.5% against the transaction amount, min Rs. 500, Check your hdfc regalia credit card limit before making a withdrawal
HDFC regalia card finance charges The hdfc regalia credit card interest rate is 3.6% monthly or 43.2% annually
Regalia card forex charges 2% against the transaction amount 
HDFC add-on credit card fee Free for a lifetime

How to contact the regalia credit card customer care department?

  • Call the hdfc credit card 24×7 customer care number: 1800-266-4332 (Toll-Free) or 1800-202-6161(Toll-Free) / 022-6160-6161
  • Write to the hdfc credit card helpline mail id: 

100xGain Ratings: 


Pros and cons of the regalia business credit card:



  • This hdfc card offers attractive cashbacks on business expenses.
  • You will get access to the hdfc regalia lounge access facility.
  • The hdfc credit card reward points earring rate is also impressive.
  • There are no travel booking benefits on this regalia card.

Final Opinion:

If you are looking for premium quality business credit cards then the hdfc bank business regalia credit card is the card you should take a look at. As a business credit card, this card offers some very useful and unique hdfc credit card features, the domestic and international lounge access, discount on dining, and the No-cost EMI option are very useful and can easily justify the Rs.2500 annual fee. 

So if you are looking for a credit card for your business-related needs then, this hdfc business credit card will be a very good option for you. You can also find some better options on our best business credit cards page.

Alternative cards of the business regalia credit card: 

  1. HDFC Bank CSC Small Business MoneyBack Credit Card (Best for reward and dining benefits)
  2. HDFC Bank Business Freedom Credit Card (Best for cashback and reward points)
  3. HDFC business regalia first credit card (Best for cashback and lounge benefits)

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