The HDFC business regalia first credit card is a premium quality hdfc corporate credit card designed to take care of your everyday business expenses by offering big cash backs, exclusive rewards, and other financial benefits. Traveling is a part of business management, and this card can make your travel more comfortable by offering free access to domestic and international lounges. Now let’s have a closer look at the benefits of hdfc regalia credit card, and see whether this card is worth applying for or not.
HDFC Bank Regalia Credit Card Eligibility Criteria:
This card is available for self-employed individuals only.
- Resident Type: Indian
- Employment type: Self-employed.
- Age: The age of the applicant should be between 21 to 65 years.
- Income: The annual income tax return should be greater than Rs. 7,20,000
- A long relationship with the bank will help you to get hdfc regalia first credit card.
- An excellent credit score (above 770) is mandatory to get this hdfc regalia credit card
Required Documents To Apply For The Business Regalia First Credit Card:
- Photocopy of Address proof (any 1)
- Last 6 months bank account Statement
- Aadhar Card
- Driving License
- Utility bills
- Photocopy of ID Proof (any 1)
- Aadhar card
- Voter Card
- 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
- Salaried Person (any 1)
Once your hdfc bank regalia first credit card application is submitted successfully, you can track your hdfc regalia business first credit card application status using your application number. You can click here to go to the hdfc bank credit card application tracking page.
HDFC Regalia Credit Card Yearly Charges:
- HDFC regalia card joining fee: Rs. 1000 + GST
- HDFC regalia credit card annual fee: Rs. 1000 + GST
HDFC Regalia First Card Benefits:
A hearty welcome benefit:
HDFC welcomes their customers in style, with the activation of your hdfc regalia first card you will get a Zomato Gold membership as a welcome gift. This hdfc credit card zomato gold offer gives you complimentary foods at partner’s restaurants or 2 free drinks at any Zomato partner’s restaurants. You can claim the membership benefit on spending Rs. 75,000 in a hdfc credit card billing cycle.
As per the rbi guidelines for hdfc bank credit card, all new credit cards should be delivered in an inactive state, to enhance security during shipment. You can activate your new card very easily from your nearby HDFC bank ATM or from your hdfc bank credit card netbanking account. Click here to know how to activate new hdfc credit card for the first time.
Attractive cashback benefit:
This hdfc bank regalia credit card offers exclusive cash backs on utility bill payments. On a minimum monthly spend of Rs. 15000 you will get a 5% discount on electricity/telecom bills, tax payments, railway tickets, and hotel bookings. You can earn a maximum of Rs. 500 cashback in a credit cycle.
Accelerated HDFC regalia rewards:
The hdfc regalia credit card offers reward points on almost every transaction made with this HDFC regalia first card . For each Rs. 150 spent with your card, you will get 4 points.
You can use your earned points to get a flight or hotel or to get a product from the SmartBuy or hdfc bank regalia credit card rewards redemption catalog. You can also convert your earned points into AirMiles. If you use your hdfc regalia first credit card reward points for flight or hotel booking, you can get up to 70% of your booking value through them, the rest of the amount should be paid via credit card.
Exclusive hdfc regalia first credit card lounge access benefit:
Under the regalia priority pass membership which comes with this card, you will get free access to more than 1000 domestic and international lounges. You will also get some additional privileges like refreshments, free internet, and conference rooms. The add-on members will get up to 3 free accesses per year to most of the international lounges.
Also under the MasterCard/Visa lounge program, you will get up to 8 free accesses per year. Click here for the list of the visa regalia credit card lounges and you can find the hdfc regalia credit card lounge access list of MasterCard lounges here.
Premium dining offers on hdfc regalia credit card:
Using this card you can enjoy dining at most of the premium restaurants with up to 15% discount on your dining bills along with some additional benefits. This offer is applicable to most of the frontline restaurants in India.
Extra benefit on milestone spend:
You can also earn some extra benefits from your card. The HDFC regalia credit card milestone benefit scheme is illustrated in the table below.
|Total spend||Total benefit|
|On spending Rs. 6,00,000 in a year||7500 hdfc regalia credit card rewards points.|
|On spending Rs. 3,00,000 in a year||5000 hdfc regalia credit card rewards points.|
Freedom from fuel surcharge:
Use this hdfc 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 eligible transaction amount is Rs. 400 and you can earn a maximum of Rs. 500 waiver in a credit cycle.
Insurance coverage protection:
This regalia first card comes with insurance coverage protection. The details of HDFC regalia credit card Insurance coverage are given in the table below.
|Coverage against air accidental deaths||Rs. 50 lakh.|
|Emergency hospitalization (Overseas)||Rs. 10 lakh. (Applicable when traveling outside India)|
|Fight delay coverage||Rs. 25,000|
|International flight missing||Rs. 25,000|
You can update your nominee details from here.
Security of the advanced EMV chip:
This HDFC regalia card comes with protection from the advanced EMV chip. This chip is specially designed to enhance the security of your card. It uses a very strong encryption method which makes this chip almost impossible to clone.
But fraudulent transactions can happen anytime; therefore if you notice something wrong with your credit card account, you should contact the hdfc regalia credit card helpline number given below. You can also block your card very easily using the hdfc bank online credit card account.
HDFC Regalia First Credit Card Charges:
|HDFC regalia card cash withdrawal charge||2.5% against the withdrawn amount, min Rs. 500, Check your hdfc regalia credit card limit before making a withdrawal.|
|HDFC regalia credit card finance charges||The rate of interest on hdfc credit card is 3.6% monthly or 43.2% annually.|
|HDFC regalia first credit card international transaction charge||2% against the transaction amount.|
|HDFC regalia first card add-on card fee||Free for a lifetime.|
HDFC Regalia Credit Card Customer Care Contact Details:
- Call the hdfc bank credit card customer care toll free number: 1800-266-4332 (Toll Free) or 022-616-6161
- Write to the hdfc credit card complaint email address: [email protected]
If you want a premium quality business credit card, this hdfc regalia credit card will be a good option for you. This HDFC regalia first card has the potential to fulfill most of your business-related needs. With exclusive cash backs, reward points, free lounge access, insurance coverage protection it can be a really good option for you.
But that does not mean that this hdfc regalia first card does not have any drawbacks. It does not offer travel booking offers. But apart from that, there is nothing much to complain about this card, and it is a very good credit card to have especially for small business owners.