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, accidental insurance coverage, and a lot of other useful hdfc regalia credit card features that will help you to run your business more smoothly. 

Hdfc regalia credit card eligibility criteria:

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

Required Documents 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. 

Hdfc bank business regalia credit card fees:

  • Joining Fee: Rs. 2500 + GST
  • Annual Fee: Rs. 2500 + GST

Benefits:

The hdfc business regalia credit card benefits are discussed below

  • 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 spends in Rs. 20,000 and you can earn a maximum of Rs. 500 cashback in a credit card billing cycle Also, if you are a current account holder, you will get double cash back on the above-stated categories.

  • Free hdfc regalia card lounge access:

Now your journey will be more comfortable for you as with your hdfc business regalia credit card , you will get free domestic and international lounge access. Under the hdfc visa credit card lounge access program, you will get up to 12 free accesses to most Indian airport lounges. IF you are a hdfc mastercard user then click here for the participating domestic lounges.  

Also under the hdfc priority pass program, you will get 6 free accesses to international lounges. You can get the complimentary priority pass membership just after completing 4 transactions with your HDFC business regalia credit card . Click here to apply for the membership. 

  • Premium dining experience:

This hdfc premium credit card offers up to a 25% discount on your dining bill at some of the most premium restaurants in India. You can also get an additional 10% discount if you link the Dineout app with your regalia business credit card and pay through it.  

Also if you can spend Rs. 75,000 with your card within a quarter, you will get a free Dineout Plus membership, it offers premium dining privileges like great hdfc regalia credit card dining offers on buffets at premium restaurants, priority access to most of the VIP events like Gourmet licious, etc. 

  • Opportunity to earn some extra benefits:

Depending on your annual spend you can earn some extra points. IF you can spend Rs, 5,00,000 with your card within a year, you will get 10,000 hdfc regalia credit card reward points as a bonus gift. You can also get 15,000 bonus hdfc bank credit card points on spending Rs. 8,00,000 in a year. 

 If you can spend Rs. 30,000 with your card and if the monthly volume of your POS machine is Rs. 25,000 you will get a waiver on your POS rental fee. You can get a maximum waiver of Rs. 1000 in a hdfc credit card billing cycle

You can get a clear idea about the bonus hdfc bank regalia rewards scheme from the table given below. 

Total spend Total benefit
Rs. 5,00,000 in a year. 10,000 bonus hdfc bank regalia rewards points.
Rs. 8,00,000 in a year. 15,000 bonus hdfc bank regalia rewards points.
Rs. 30,000 with your 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 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. 

  • Annual fee waiver:

You can easily get a complete waiver on your hdfc regalia credit card annual fee if you can spend Rs. 3,00,000 within 12 months, you will get a complete waiver on your next year’s annual fee. Also if you can spend Rs. 60,000 within the first 90 days of activating hdfc credit card , you will get a full waiver on the membership fee of the first year. 

You can track your credit hdfc credit card available balance from the mobile application for hdfc credit card , if you don’t know how to do it, then visit our FAQ page to know, how to know hdfc credit card balance online?

  • Accidental insurance coverage:

Accidents can happen anytime, and that’s why HDFC bank offers free accidental Insurance coverage on this card. You can have a better idea about the hdfc credit card insurance policy from the table given below.   

Particulars. 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. 

  • Freedom from fuel surcharges:

Use your hdfc bank business regalia credit card to purchase fuel and you will get a 1% waiver on fuel surcharges, this offer is applicable at any fuel station in India. The minimum hdfc credit card transaction amount should be Rs. 400 and you can get up to Rs. 250 waiver in a month. 

  • Lost card liability coverage:

On this business credit card hdfc bank offers complete liability coverage on lost or stolen cards. To get the benefits of the coverage you just have to report the missing card by calling the HDFC regalia customer care number and you will no longer be liable for anything unpleasant that may happen to your missing card. 

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

  • Automatic hdfc credit card bill payment option:

If you register your card for the SmartPay option, all your utility bills will be paid automatically within the due date. You can enable/disable the SmartPay option from your hdfc internet banking credit card account.   

  • Hdfc credit card no cost emi option:

Now you can handle your office-related expenses very easily, with the hdfc business regalia card you can purchase your office essentials in EMI. You can also have no-cost EMI on some selected brands like – Dash Squire, Durian industries, Furtinurewalla, Godrej, EVOK, Royal Oak, Stanley, Kelvinator, Reliance Digital, Blue Star, etc.

Click here for the details of available offers. If you want to calculate the applicable interest rate, then click here for 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 complete process.

  • Contactless payment option:

This hdfc business credit card is equipped with the advanced contactless payment option, this feature allows you to make payment with just a wave at any secure reader machine. This feature is very helpful in preventing credit card misplacement because you don’t need to hand over your card at the counter to make payments. 

For security reasons, the maximum credit card contactless transaction amount is limited to Rs. 5000 per transaction. You can set a hdfc regalia credit card limit for contactless transaction option from your hdfc credit card online banking account. 

 Applicable hdfc regalia credit card charges:

Particulars Payable amount
hdfc credit card withdrawal charges . 2.5% against the transaction amount, min Rs. 500.
Finance Charges. The hdfc regalia credit card interest rate is 3.6% monthly or 43.2% annually.
Foreign currency transaction charge. 2% against the transaction amount. 
hdfc add on credit card fee. Free for a lifetime.

HDFC regalia credit card customer care contact details:

  • Call the hdfc credit card 24×7 customer care number : 1800-266-4332 (Toll-free) or 022-616-6161
  • Write to the hdfc credit card helpline mail id : [email protected] 

This card also comes with a 24X7 active concierge service facility, you can contact the HDFC concierge team through the contact details given here. – Call: 1800 209 4006 (Toll-free) or write at [email protected]

100xGain Ratings: 

8/10

Final Opinion:

If you are looking for a premium quality business credit card 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 card will be a very good option for you and you should definitely go for this card. 

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